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On August 26, 2024, the most useful official benchmark was the FDIC’s August national-rate table, revised August 19: its national average for a 12-month CD was 1.85%. These are historical national averages, not the highest CD offers available from individual banks that day.
What were CD rates on August 26, 2024?
The FDIC’s August 2024 national-rate table, revised August 19, reported the following average rates by CD term:
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| CD term | FDIC national average rate, August 2024 |
|---|---|
| 1 month | 0.23% |
| 3 months | 1.53% |
| 6 months | 1.82% |
| 12 months | 1.85% |
| 24 months | 1.58% |
| 36 months | 1.44% |
| 48 months | 1.35% |
| 60 months | 1.42% |
The highest figure in this FDIC table was 1.85% for a 12-month term. That is the highest national average among the listed terms, not the market’s highest CD rate or a promise that a customer could get that rate. See the FDIC August 2024 national rates table.
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The FDIC defines its national rate as the average rate paid by insured depository institutions and credit unions for which data is available, weighted by each institution’s share of domestic deposits. Its August 2024 table uses CD product tiers of $10,000 and $100,000 and draws on S&P Capital IQ Pro and SNL Financial Data. The FDIC describes the national-rate and rate-cap process as a monthly update. More detail is available on the FDIC National Rates and Rate Caps page.
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Because the table is a weighted national average, it summarizes rates across institutions; it does not identify a particular bank’s offer on August 26. It also does not establish an offer’s minimum deposit, eligibility requirements, compounding convention, or early-withdrawal penalty. Those terms must be checked against the dated rate sheet or offer for the specific account.
A separate three-year figure for the week of August 26
First Trust’s market summary for the week of August 26, 2024, listed a 1.43% three-year CD figure in its national-average banking-rates table. This is a secondary dated summary, not an individual bank offer, and it should not be merged with the FDIC’s monthly series. The figure appears in First Trust Market Watch: Week of August 26th.
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CD rates and Treasury yields measure different things
Treasury yields provide market context, but they are not the APY a bank necessarily offers on a CD. The FDIC rate-cap table also displays Treasury yields for its regulatory calculation; those figures should not be read as retail CD rates. For historical Treasury market yields, consult the U.S. Treasury’s Daily Treasury Rates archive.
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