Highest CD Rates in Mississippi
80 Mississippi-specific CD products

By Aviel Fahl

Newest reading: October 7, 2026

Top Mississippi Rate:3.85% APYFDIC or NCUA Insured

The Mississippi market

Mississippi accounts

Institutions

Top Mississippi APY

3.85% APY

Nationally: 5.00% APY

FDIC national average

1.73%

As of Sep 2026

80 CDs are open only to Mississippi residents, from 8 institutions. The highest advertised APY among them is 3.85%.

The highest nationally available rate is 5.00% APY, 115 basis points above the Mississippi leader.

29 of the 80 Mississippi CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.

Mississippi-Specific CD Rates

CD rates specifically available to Mississippi residents. Business, youth and IRA CDs are not included.

Top 50 CD terms from 6 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Gateway First Bank 12 Month CD Term: 12 months	3.85%APY Observed: Oct 7, 2026 Branches: Yes	$500
#2	Gateway First Bank 18 Month CD Term: 18 months	3.85%APY Observed: Oct 7, 2026 Branches: Yes	$500
#3	Gateway First Bank 6 Month CD Term: 6 months	3.60%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#4	Gateway First Bank 3 Month CD Term: 3 months	3.50%APY Observed: Oct 7, 2026 Branches: Yes	$500
#5	Gateway First Bank 24 Month CD Term: 24 months	3.50%APY Observed: Oct 7, 2026 Branches: Yes	$500
#6	Concordia Bank & Trust Company 12 Month CD Term: 12 months	3.29%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#7	First Federal Savings and Loan Association 7 Month Smart Rate CD Special Term: 7 months	3.25%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#8	Gateway First Bank 36 Month CD Term: 36 months	3.25%APY Observed: Oct 7, 2026 Branches: Yes	$500
#9	Gateway First Bank 48 Month CD Term: 48 months	3.25%APY Observed: Oct 7, 2026 Branches: Yes	$500
#10	Gateway First Bank 60 Month CD Term: 60 months	3.25%APY Observed: Oct 7, 2026 Branches: Yes	$500
#11	Concordia Bank & Trust Company 18 Month CD Term: 18 months	3.03%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#12	Concordia Bank & Trust Company 24 Month CD Term: 24 months	3.03%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#13	First Federal Savings and Loan Association 13 Month Smart Rate CD Special Term: 13 months	3.00%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#14	Citizens Bank & Trust Co. 36 Month CD Term: 36 months	2.79%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#15	Citizens Bank & Trust Co. 48 Month CD Term: 48 months	2.79%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#16	Citizens Bank & Trust Co. 60 Month CD Term: 60 months	2.79%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#17	Concordia Bank & Trust Company 30 Month CD Term: 30 months	2.78%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#18	Concordia Bank & Trust Company 48 Month CD Term: 48 months	2.78%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#19	Concordia Bank & Trust Company 6 Month CD Term: 6 months	2.77%APY Observed: Oct 7, 2026 Branches: Yes	$2,500
#20	Concordia Bank & Trust Company 60 Month CD Term: 60 months	2.77%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#21	Citizens Bank & Trust Co. 24 Month CD Term: 24 months	2.53%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#22	First Federal Savings and Loan Association 1 Year Jumbo CD Term: 12 months	2.10%APY Observed: Oct 7, 2026 Branches: Yes	$100,000
#23	Citizens Bank & Trust Co. 12 Month CD Term: 12 months	2.00%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#24	First Federal Savings and Loan Association 1 Year CD Term: 12 months	2.00%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#25	First Federal Savings and Loan Association 5 Year Jumbo CD Term: 60 months	1.95%APY Observed: Oct 7, 2026 Branches: Yes	$100,000
#26	First Choice Bank 60 Month CD Term: 60 months	1.85%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#27	First Federal Savings and Loan Association 5 Year CD Term: 60 months	1.85%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#28	First Federal Savings and Loan Association 3 Year Jumbo CD Term: 36 months	1.80%APY Observed: Oct 7, 2026 Branches: Yes	$100,000
#29	First Choice Bank 48 Month CD Term: 48 months	1.75%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#30	First Federal Savings and Loan Association 3 Year CD Term: 36 months	1.70%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#31	First Choice Bank 36 Month CD Term: 36 months	1.65%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#32	First Federal Savings and Loan Association 6 Month Jumbo CD Term: 6 months	1.60%APY Observed: Oct 7, 2026 Branches: Yes	$100,000
#33	First Choice Bank 12 Month CD Term: 12 months	1.60%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#34	First Federal Savings and Loan Association 8 Year Jumbo CD Term: 96 months	1.60%APY Observed: Oct 7, 2026 Branches: Yes	$100,000
#35	First Choice Bank 24 Month CD Term: 24 months	1.55%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#36	Concordia Bank & Trust Company 2 Month CD Term: 2 months	1.51%APY Observed: Oct 7, 2026 Branches: Yes	$2,500
#37	Concordia Bank & Trust Company 3 Month CD Term: 3 months	1.51%APY Observed: Oct 7, 2026 Branches: Yes	$2,500
#38	Citizens Bank & Trust Co. 6 Month CD Term: 6 months	1.51%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#39	First Federal Savings and Loan Association 6 Month CD Term: 6 months	1.50%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#40	First National Bank of Clarksdale 180-269 Day CD Term: 6-9 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#41	First National Bank of Clarksdale 270-364 Day CD Term: 9-12 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#42	First National Bank of Clarksdale 12-18 Month CD Term: 12-18 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#43	First National Bank of Clarksdale 18-23 Month CD Term: 18-23 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#44	First National Bank of Clarksdale 24-29 Month CD Term: 24-29 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#45	First National Bank of Clarksdale 30-35 Month CD Term: 30-35 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#46	First National Bank of Clarksdale 36-41 Month CD Term: 36-41 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#47	First National Bank of Clarksdale 42-47 Month CD Term: 42-47 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#48	First Federal Savings and Loan Association 4 Year CD Term: 48 months	1.50%APY Observed: Oct 7, 2026 Branches: Yes	$1,000
#49	First National Bank of Clarksdale 48-59 Month CD Term: 48-59 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A
#50	First National Bank of Clarksdale 60 Month CD Term: 60 months	1.50%APY Observed: Oct 3, 2026 Branches: Yes	N/A

Gateway First Bank

12 Month CD

Term: 12 months

3.85%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

Gateway First Bank

18 Month CD

Term: 18 months

3.85%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

Gateway First Bank

6 Month CD

Term: 6 months

3.60%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

Gateway First Bank

3 Month CD

Term: 3 months

3.50%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

Gateway First Bank

24 Month CD

Term: 24 months

3.50%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

Concordia Bank & Trust Company

12 Month CD

Term: 12 months

3.29%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

First Federal Savings and Loan Association

7 Month Smart Rate CD Special

Term: 7 months

3.25%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

Gateway First Bank

36 Month CD

Term: 36 months

3.25%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

Gateway First Bank

48 Month CD

Term: 48 months

3.25%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#10

Gateway First Bank

60 Month CD

Term: 60 months

3.25%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#11

Concordia Bank & Trust Company

18 Month CD

Term: 18 months

3.03%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#12

Concordia Bank & Trust Company

24 Month CD

Term: 24 months

3.03%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#13

First Federal Savings and Loan Association

13 Month Smart Rate CD Special

Term: 13 months

3.00%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#14

Citizens Bank & Trust Co.

36 Month CD

Term: 36 months

2.79%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#15

Citizens Bank & Trust Co.

48 Month CD

Term: 48 months

2.79%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#16

Citizens Bank & Trust Co.

60 Month CD

Term: 60 months

2.79%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#17

Concordia Bank & Trust Company

30 Month CD

Term: 30 months

2.78%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#18

Concordia Bank & Trust Company

48 Month CD

Term: 48 months

2.78%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#19

Concordia Bank & Trust Company

6 Month CD

Term: 6 months

2.77%

APY

Observed: Oct 7, 2026

Min Deposit

$2,500

Branches

Yes

#20

Concordia Bank & Trust Company

60 Month CD

Term: 60 months

2.77%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#21

Citizens Bank & Trust Co.

24 Month CD

Term: 24 months

2.53%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#22

First Federal Savings and Loan Association

1 Year Jumbo CD

Term: 12 months

2.10%

APY

Observed: Oct 7, 2026

Min Deposit

$100,000

Branches

Yes

#23

Citizens Bank & Trust Co.

12 Month CD

Term: 12 months

2.00%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#24

First Federal Savings and Loan Association

1 Year CD

Term: 12 months

2.00%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#25

First Federal Savings and Loan Association

5 Year Jumbo CD

Term: 60 months

1.95%

APY

Observed: Oct 7, 2026

Min Deposit

$100,000

Branches

Yes

#26

First Choice Bank

60 Month CD

Term: 60 months

1.85%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#27

First Federal Savings and Loan Association

5 Year CD

Term: 60 months

1.85%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#28

First Federal Savings and Loan Association

3 Year Jumbo CD

Term: 36 months

1.80%

APY

Observed: Oct 7, 2026

Min Deposit

$100,000

Branches

Yes

#29

First Choice Bank

48 Month CD

Term: 48 months

1.75%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#30

First Federal Savings and Loan Association

3 Year CD

Term: 36 months

1.70%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#31

First Choice Bank

36 Month CD

Term: 36 months

1.65%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#32

First Federal Savings and Loan Association

6 Month Jumbo CD

Term: 6 months

1.60%

APY

Observed: Oct 7, 2026

Min Deposit

$100,000

Branches

Yes

#33

First Choice Bank

12 Month CD

Term: 12 months

1.60%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#34

First Federal Savings and Loan Association

8 Year Jumbo CD

Term: 96 months

1.60%

APY

Observed: Oct 7, 2026

Min Deposit

$100,000

Branches

Yes

#35

First Choice Bank

24 Month CD

Term: 24 months

1.55%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#36

Concordia Bank & Trust Company

2 Month CD

Term: 2 months

1.51%

APY

Observed: Oct 7, 2026

Min Deposit

$2,500

Branches

Yes

#37

Concordia Bank & Trust Company

3 Month CD

Term: 3 months

1.51%

APY

Observed: Oct 7, 2026

Min Deposit

$2,500

Branches

Yes

#38

Citizens Bank & Trust Co.

6 Month CD

Term: 6 months

1.51%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#39

First Federal Savings and Loan Association

6 Month CD

Term: 6 months

1.50%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#40

First National Bank of Clarksdale

180-269 Day CD

Term: 6-9 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#41

First National Bank of Clarksdale

270-364 Day CD

Term: 9-12 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#42

First National Bank of Clarksdale

12-18 Month CD

Term: 12-18 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#43

First National Bank of Clarksdale

18-23 Month CD

Term: 18-23 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#44

First National Bank of Clarksdale

24-29 Month CD

Term: 24-29 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#45

First National Bank of Clarksdale

30-35 Month CD

Term: 30-35 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#46

First National Bank of Clarksdale

36-41 Month CD

Term: 36-41 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#47

First National Bank of Clarksdale

42-47 Month CD

Term: 42-47 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#48

First Federal Savings and Loan Association

4 Year CD

Term: 48 months

1.50%

APY

Observed: Oct 7, 2026

Min Deposit

$1,000

Branches

Yes

#49

First National Bank of Clarksdale

48-59 Month CD

Term: 48-59 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

#50

First National Bank of Clarksdale

60 Month CD

Term: 60 months

1.50%

APY

Observed: Oct 3, 2026

Min Deposit

N/A

Branches

Yes

Nationally Available CD Rates

The 8 highest CD rates available nationwide, including in Mississippi.

Institution	Product / Term	Category	APY	Min. Deposit
Popular Direct	60 Months60 months	CD Fixed	5.00%	$10,000
Popular Direct	48 Months48 months	CD Fixed	4.95%	$10,000
Popular Direct	36 Months36 months	CD Fixed	4.85%	$10,000
E*TRADE from Morgan Stanley	12-Month Certificates of Deposit12 months	CD Fixed	4.75%	$0
Bread Savings	18-Month CD18 months	CD Fixed	4.75%	$1,500
Barclays	24-Month CD24 months	CD Fixed	4.75%	$0
Barclays	60-Month CD60 months	CD Fixed	4.75%	$0
Popular Direct	24 Months24 months	CD Fixed	4.70%	$10,000

See the full national list