Compare Bank & Credit Union Rates
Best CD rates in Darien, CT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Darien, CT
- 4.45%APY$910 over 24 months on $10,000
Requirements
Product: Digital certificate of deposit accounts. Must be funded within 30 days to remain open. Early withdrawal penalty applies. Automatic renewal at maturity with 10-day grace period. No maintenance fees.
Offer: Minimum Deposit of $500.00 required. Minimum Daily Balance required to earn APY is $500.00. Early withdrawal penalty is 270 days of interest.
4.36% interest rate · Effective Sep 15, 2026
Rate checked
More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: Interest credited and compounded monthly or at maturity. Early withdrawal penalty applies based on term. Account automatically renews at maturity with a 10-calendar-day grace period. No monthly maintenance fees.
Offer: Early withdrawal penalty is 270 days of interest. Minimum daily balance required to earn APY is $500.00.
4.36% interest rate · Compounded monthly · Effective Sep 15, 2026
Rate checked
More details - 4.35%APY$509 over 14 months on $10,000intro rate
Requirements
Product: Must be opened in branch with new money (funds not currently on deposit with First County Bank). Principal may be withdrawn without penalty during the 5-calendar-day window beginning 7 months after account opening. Other early withdrawals subject to 6 months' interest penalty. Automatically renews at maturity as a 12-month CD without the Easy Out feature. Additional deposits not permitted. Must maintain minimum collected daily balance of $1,000.00 to obtain disclosed APY.
Offer: Must be opened in branch with new money. $1,000 minimum opening deposit. Principal penalty-free withdrawal during 5-day window starting 7 months after opening; other early withdrawals penalized 6 months' interest. Renews as standard 12-month CD.
Promotional rate · 4.27% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$99 over 3 months on $10,000
Requirements
Product: Must maintain a minimum collected daily balance of $1,000.00 to obtain the disclosed APYs. A penalty for early withdrawal will be imposed. Fees could reduce earnings. 3 Month CD requires new money (funds not currently on deposit with First County Bank).
Offer: Must be opened with funds not currently on deposit with First County Bank (New Money Only). Must be opened in branch.
3.93% interest rate · Effective Oct 2, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.
Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
3.73% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
3.68% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.70%APY$183 over 6 months on $10,000
Requirements
Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.
Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
3.63% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.65%APY$552 over 18 months on $10,000
Requirements
Product: Must maintain a minimum collected daily balance of $1,000.00 to obtain disclosed APYs. No withdrawal of any kind during the first 6 calendar days after initial deposit; after that, full balance may be withdrawn without penalty. No partial withdrawals allowed.
Offer: Must be opened in branch. Minimum opening deposit $1,000. No withdrawal during first 6 calendar days after deposit; thereafter full balance withdrawal allowed without penalty. No partial withdrawals.
3.59% interest rate · Effective Oct 2, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Fixed Rate Accounts – The interest rate in effect on the day your CD is opened will remain in effect until the maturity date of the CD, unless a withdrawal is made that brings your balance below the minimum balance shown above for each product type listed. Effect of Interest Withdrawal – The Annual Percentage Yield assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings. Early Withdrawal Penalties – Substantial penalty for early withdrawal. Automatically Renewable Time Accounts – At maturity, the above accounts will automatically renew after the grace period.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.25%APY$491 over 18 months on $10,000
Requirements
Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
3.20% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Fairfield County BankCertificates of DepositCD · 6 months · $2,500 min · 1.00%–1.76% by balance
Bank · 1 branch
1.00%APY$50 over 6 months on $10,000Requirements
Product: Tiered rates of interest guaranteed until account maturity. Automatically renewable. Early withdrawal penalties apply.
Offer: 182 Day / 6 Month. Interest compounded monthly and credited monthly. Tiered rate applies throughout the term based on balance at account opening or renewal date.
1.00% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $2,500 – $25,000Your amount 1.00% $25,000 – $100,000 1.51% $100,000 and up 1.76% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Darien, CT
128 CDs at 8 banks and credit unions · checked Oct 4–22
- Typical
- 0.53%
- Top 10% from
- 3.82%
- Banks, typical
- 0.53%
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Bridgeport, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MSCUCredit union · 6 branches
- Affinity Federal Credit UnionCredit union · 1 branch
- Albright Credit UnionCredit union · 2 branches