CD Rates in Fairbanks, AK

Last updated: February 2026

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Fairbanks, Alaska CD Rates

Reviewed by

Brian McKay

CD Rates in Fairbanks, Alaska :

Search and compare Fairbanks, AK CD rates from banks and credit unions. Our CD interest rate tables for Fairbanks, AK include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Fairbanks, AK or by zip code. Once you have entered your search criteria a list of the highest Fairbanks, AK CD rates will be displayed. MonitorBankRates also offers a free CD calculator and CD ladder calculator you can use to calculate your certificate of deposit investment return. .

Fairbanks, Alaska Bank CD Rates

When comparing bank CD rates in Fairbanks, AK make sure to choose a Fairbanks, AK bank that has deposits insured by the Federal Deposit Insurance Corporation (FDIC). Deposits in Fairbanks, AK banks that are insured by the FDIC are guaranteed for up to $250,000 per depositor.This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a bank failure.

Best CD Rates in Fairbanks, Alaska February 2026

24 Months

Nuvision Federal Credit Union
375 Merhar Ave
Fairbanks, AK 99701

24-Month CD

2.90%

$1,000

Northrim Bank
360 Merhar Ave
Fairbanks, AK 99701

24-Month CD

1.65%

$500

First Bank Ketchikan, AK
331 Dock St
Ketchikan, AK 99901

24-Month CD

2.10%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Fairbanks, Alaska Jumbo CD Rates

Jumbo CD rates in Fairbanks, Alaska are usually higher than standard Fairbanks, AK CD rates because they require a larger opening deposit.While regular CDs can often be opened with minimal funds, Fairbanks, Alaska jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in Fairbanks, Alaska and the surrounding area reward this larger commitment with premium cd rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured

Fairbanks, Alaska Credit Union CD Rates

When comparing Fairbanks, AK CD rates from credit unions make sure to choose a Fairbanks, AK credit union that has deposits insured by the National Credit Union Administration (NCUA).This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a credit union failure.

Methodology & Data Sources

Local Rate Aggregation: MonitorBankRates tracks CD rates for Fairbanks, Alaska by aggregating data from local banks, local credit unions, and national online institutions. Our proprietary technology scans constantly to ensure you see the most competitive yields available in your area, including promotional offers from community institutions that may not be listed on national comparison sites.

Data Accuracy: The rates displayed for Fairbanks, Alaska reflect current market offers. We prioritize data from institutions that are FDIC or NCUA insured to ensure your deposits are safe, and we verify these figures against the institution's published deposit terms to maintain high reliability for savers in AK.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Fairbanks, Alaska. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.

Fairbanks, AK Rates & Resources

Fairbanks, Alaska Savings Rates

Fairbanks, Alaska Mortgage Rates

Banks in Fairbanks, AK

Fairbanks FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Denali State Bank

FDIC Cert #26530

119 North Cushman Street, Fairbanks, AK 99701

Denali State Bank

FDIC Cert #26530

1989 Airport Way, Fairbanks, AK 99701

Denali State Bank

FDIC Cert #26530

470 Chena Pump Road, Fairbanks, AK 99709

Denali State Bank

FDIC Cert #26530

975 Van Horn Road, Fairbanks, AK 99707

First National Bank Alaska

FDIC Cert #16130

1300 Washington Drive, Fairbanks, AK 99706

First National Bank Alaska

FDIC Cert #16130

407 Eighth Avenue, Fairbanks, AK 99701

First National Bank Alaska

FDIC Cert #16130

431 Merher Street, Fairbanks, AK 99701

KeyBank National Association

FDIC Cert #17534

100 Cushman Street, Fairbanks, AK 99707

KeyBank National Association

FDIC Cert #17534

33 College Road, Fairbanks, AK 99707

KeyBank National Association

FDIC Cert #17534

612 Gaffney Road, Fairbanks, AK 99701

Mt. McKinley Bank

FDIC Cert #19525

1248 Old Steese Highway, Fairbanks, AK 99701

Mt. McKinley Bank

FDIC Cert #19525

1380 University Avenue, Fairbanks, AK 99709

Mt. McKinley Bank

FDIC Cert #19525

45 St. Nicholas Drive, Fairbanks, AK 99701

Mt. McKinley Bank

FDIC Cert #19525

500 Fourth Ave, Fairbanks, AK 99701

NORTHRIM BANK

FDIC Cert #33216

360 Merhar Avenue, Fairbanks, AK 99701

Wells Fargo Bank, National Association

FDIC Cert #3511

40 College Road, Fairbanks, AK 99701

Wells Fargo Bank, National Association

FDIC Cert #3511

613 Cushman Street, Fairbanks, AK 99701

Wells Fargo Bank, National Association

FDIC Cert #3511

620 Gaffney Road, Fairbanks, AK 99701

Wells Fargo Bank, National Association

FDIC Cert #3511

794 University Avenue, Fairbanks, AK 99709

How to Find the Best CD in Fairbanks, Alaska

Compare APYThe APY determines how much interest you will earn. Always look for the highest APY to maximize your earnings over the CD term.
Check MinimumsSome high-yield CDs require a larger initial deposit (e.g. $1,000 or $5,000). Ensure you can meet these minimums.
Review PenaltiesCDs lock your money for a set term. If you withdraw early, you may face penalties (often 3-6 months of interest).
Verify InsuranceEnsure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured up to $250,000.

Frequently Asked Questions for Fairbanks, Alaska

What are the current CD rates in Fairbanks, Alaska? ▼

Below is a list of the top current CD rates available for Fairbanks, Alaska:

First Bank Ketchikan, AK 2.15% APY (36-Month CD)

First Bank Ketchikan, AK 2.10% APY (24-Month CD)

First Bank Ketchikan, AK 2.05% APY (18-Month CD)

First Bank Ketchikan, AK 2.05% APY (12-Month CD)

First Bank Ketchikan, AK 2.00% APY (60-Month CD)

First Bank Ketchikan, AK 2.00% APY (48-Month CD)

FinWise Bank3.85% APY (12-Month CD)

Unico Bank0.10% APY (6-Month CD)

First Federal Community Bank N.A.0.65% APY (48-Month CD)

The Huntington National Bank0.25% APY (36-Month CD)

Are CD rates fixed? ▼

Yes, typically CD rates are fixed for the entire term (e.g. 1 year, 5 years). This protects you if market rates drop, but means you won't benefit if rates rise.

Is my money safe in a CD? ▼

Yes, as long as the bank is FDIC insured or the credit union is NCUA insured, your deposit is protected up to $250,000.

Can I add money to a CD? ▼

Usually, no. Standard CDs require a one-time deposit at opening. To add more funds later, you would typically need to open a new CD.