Rate Alert: Las Vegas residents can earn up to 7x the national average on their savings. Nevada has no state income tax — every dollar of CD interest you earn, you keep. That makes high-yield CDs even more valuable here than in most states. The top accessible rate is 4.30% online through Raisin, or 4.15% locally at InTouch Credit Union for 7 months.

Best CD Rates — Las Vegas, NV

Institution	APY	Term	Min. Deposit	Insured By	Standing
Raisin (Online)	4.30%	12 months	$1	FDIC/NCUA	Best Rate — NV Residents
InTouch Credit Union	4.15%	7 months	$2,500	NCUA	Best Local Rate
America First Credit Union	4.10%	24–29 months	$500	NCUA	Nevada’s Largest CU
America First Credit Union	4.10%	60 months	$500	NCUA	5-Year Rate
America First Credit Union	3.95%	12–23 months	$500	NCUA	Short-Medium Term
Marcus by Goldman Sachs	3.90%	12 months	$500	FDIC	Strong Online Rate
Rize Federal Credit Union	3.75%	12 months	$1,000	NCUA	Las Vegas Local CU
Navy Federal Credit Union	3.75%	12 months	$100,000	NCUA	Military/Veterans Only
National Average	0.55%	12 months	Varies	—	Benchmark

💡 Pro Tip — Las Vegas Residents

America First Credit Union is one of the largest credit unions in the country and has extensive branch coverage throughout the Las Vegas valley — membership is open to anyone who lives, works, or worships in the Las Vegas area. Their 24-month certificate at 4.10% with just a $500 minimum is a solid long-term pick. If you want a shorter window, InTouch CU’s 7-month CD at 4.15% is the best local short-term rate. And since Nevada has zero state income tax, every dollar you earn in CD interest is yours to keep — no state tax bite, unlike most other states.

Best Savings Rates — Las Vegas, NV

Institution	APY	Min. Balance	Type	Standing
Raisin (Online)	4.30%	$1	Money Market	Top Pick
Marcus by Goldman Sachs	3.90%	$0	High-Yield Savings	Strong
National Average	0.46%	Varies	Savings	Benchmark