How does your deposit amount affect CD rates?
Compare the tracked CD quotes applicable to $500, $1,000, $5,000, $10,000 and $100,000 deposits at exact terms.
Which quotes apply to your deposit amount?
A higher minimum can unlock a different tier, but adding money does not always increase the applicable APY. For each amount and exact term, we select the applicable known tier for each product, then the highest quote per independent regulator.
These are tracked quote opportunities, including regional and credit union offers; they are not a list every reader can open. Different amounts can contain different institutions. Differences between the medians therefore do not measure the effect of adding money at the same bank.
| Deposit amount | Independent institutions | Median APY | P90 APY | Highest tracked quote / evidence |
|---|---|---|---|---|
| $500 | 201 | 3.40% | 4.00% | 5.00% Empower Federal Credit Union Share Certificate Oct 24, 2026 snapshot |
| $1,000 | 340 | 3.35% | 4.00% | 5.00% Empower Federal Credit Union Share Certificate Oct 24, 2026 snapshot |
| $5,000 | 374 | 3.40% | 4.04% | 5.00% Empower Federal Credit Union Share Certificate Oct 24, 2026 snapshot |
| $10,000 | 381 | 3.40% | 4.05% | 5.00% Empower Federal Credit Union Share Certificate Oct 24, 2026 snapshot |
| $100,000 | 385 | 3.50% | 4.07% | 5.10% Justice Federal Credit Union 6-Month Special Certificate Oct 24, 2026 snapshot |
| Deposit amount | Independent institutions | Median APY | P90 APY | Highest tracked quote / evidence |
|---|---|---|---|---|
| $500 | 241 | 3.55% | 4.25% | 5.00% Coastal Credit Union 12-Month Certificate Oct 24, 2026 snapshot |
| $1,000 | 384 | 3.50% | 4.25% | 5.00% Coastal Credit Union 12-Month Certificate Oct 24, 2026 snapshot |
| $5,000 | 411 | 3.54% | 4.25% | 5.00% Coastal Credit Union 12-Month Certificate Oct 24, 2026 snapshot |
| $10,000 | 416 | 3.55% | 4.25% | 5.00% Coastal Credit Union 12-Month Certificate Oct 24, 2026 snapshot |
| $100,000 | 419 | 3.65% | 4.25% | 5.00% Coastal Credit Union 12-Month Certificate Oct 24, 2026 snapshot |
| Deposit amount | Independent institutions | Median APY | P90 APY | Highest tracked quote / evidence |
|---|---|---|---|---|
| $500 | 222 | 3.48% | 4.25% | 5.20% Tower Federal Credit Union Regular Share Certificate Oct 24, 2026 snapshot |
| $1,000 | 370 | 3.35% | 4.25% | 5.20% Tower Federal Credit Union Regular Share Certificate Oct 24, 2026 snapshot |
| $5,000 | 398 | 3.38% | 4.25% | 5.20% Tower Federal Credit Union Regular Share Certificate Oct 24, 2026 snapshot |
| $10,000 | 401 | 3.40% | 4.25% | 5.20% Tower Federal Credit Union Regular Share Certificate Oct 24, 2026 snapshot |
| $100,000 | 403 | 3.49% | 4.25% | 5.20% Tower Federal Credit Union Regular Share Certificate Oct 24, 2026 snapshot |
What the amount filter can and cannot establish
Unknown minimums, ambiguous tiers and relationship-only rates are excluded. The highest known lower bound at or below the deposit determines the applicable tier; we do not reuse an attractive lower-balance rate when a different tier applies. Each product's tiers must share a UTC verification day. Separate products may have different verification dates within the seven-day freshness window.
Groups below 30 independent institutions do not receive a median or P90. A stated minimum does not establish maximum balances, residency, new-money or membership eligibility; confirm those conditions on the source page.
Calculate interest for your amount · Filter rates by deposit and location · See matched jumbo-tier comparisons
Sources, scope and methodology
All findings are generated from verified D1 records using fixed calculations and templates. No language model writes these findings. Stale and future-dated quotes are excluded, as are relationship-only quotes. A regulator ID counts once in each institution-level comparison. This tracked sample is not a deposit-weighted national average.
Index comparisons use the highest applicable $10,000 quote at each exact term per regulator. A median or P90 requires at least 30 independent institutions in its group. Fresh regional and promotional offers can be included; availability and membership conditions still apply. ZIP comparisons instead match a stated product, term and tier.
Routine re-verification does not change the financial-content modification date. Tables can change as rates, coverage or freshness change. Download index data and source snapshots · Download current rate quotes · Full methodology · Corrections
Cite APY Ledger, “How does your deposit amount affect CD rates?,” facts changed 2026-10-24, https://apyledger.com/guides/cd-rates-by-deposit-amount. Data: CC BY 4.0.