Compare Bank & Credit Union Rates
Best CD rates in Middletown, CT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Middletown, CT
- Connecticut State Police Credit UnionCertificates of DepositCD · 120 months · $500 min
Credit union · 1 branch
4.86%APY$6,065 over 120 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Accounts compound monthly.
Offer: Early withdrawal penalty of 270 days dividends. Compounded monthly.
4.75% interest rate · Compounded monthly · Effective Sep 21, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: Share Certificate APY assumes dividends are retained in the certificate. A certificate dividend penalty will be imposed for early withdrawal and will affect APY; fees may reduce earnings. Rates are fixed for the term of the share certificate.
Offer: To earn the advertised Annual Percentage Yield, a $1,000 minimum balance is required for a Share Certificate. Offer is subject to change without notice and may be withdrawn at any time. Certificate will renew at a 12 month term upon maturity and will earn the 12 month rate available on that date. APY accurate as of 10/1/2026.
4.16% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty applies. Minimum opening deposit $500; minimum balance to earn APY $500. Maximum deposit $250,000.00. Account owner under 16 must be joint with parent/guardian. Fees could reduce earnings.
Offer: 13-Month CD Special. Promotional rate is for consumer accounts only; not available for trusts or IRA CDs. Automatically renews to a 1-Year CD at maturity. Maximum deposit $250,000.00. Early withdrawal penalty applies.
Promotional rate · 4.17% interest rate · Balance cap $250,000 · Effective Oct 14, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.
3.93% interest rate · Effective Oct 6, 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
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Minimum deposit is $500. Automatically renewed. Dividends compounded daily. Early withdrawal penalties apply: maturity of one year or less is 31 days dividend; maturity of more than one year is 91 days dividend.
Offer: Dividends compounded daily.
3.68% interest rate · Compounded daily · Effective Oct 7, 2026
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$375 over 1 year on $10,000
Requirements
Product: The Freestyle Certificate is for a 12 month term. The minimum deposit to open is $1,000.00. If the balance falls below $1,000.00 the certificate will be closed. Unlimited deposits may be made during the certificate term not to exceed a maximum balance of $500,000.00. Three (3) penalty-free withdrawals are allowed, afterward a penalty may be imposed for the early withdrawal of principal. The certificate will be automatically renewed to the same type and term at maturity. Share Certificate APY assumes dividends are retained in the certificate. Fees may reduce earnings.
Offer: Minimum deposit to open is $1,000.00. Certificate will be closed if balance falls below $1,000.00. Maximum balance is $500,000.00. Unlimited deposits allowed during term. Up to 3 penalty-free withdrawals allowed, after which a penalty may be imposed. Automatically renews to the same type and term at maturity.
3.68% interest rate · Balance cap $500,000 · Effective Oct 1, 2026
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 - Ellafi Federal Credit UnionAmplifi Saver Certificate AccountCD · 12 months · $500 min · up to $10,000
Credit union · 1 branch
3.00%APY$300 over 1 year on $10,000Requirements
Product: No withdrawals permitted until maturity. Only the first $10,000 earns dividends. Add funds anytime. Automatic renewal into the same term.
Offer: Maximum dividend-earning balance: $10,000. Withdrawals not permitted until maturity.
2.96% interest rate
Rate checked
More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: A $25 minimum balance is required to earn dividends. Share Certificate APY assumes dividends are retained in the certificate. A certificate dividend penalty will be imposed for early withdrawal and will affect APY; fees may reduce earnings. Rates are fixed for the term of the share certificate.
Offer: A $25 minimum balance is required to earn dividends.
1.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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 Middletown, CT
88 CDs at 8 banks and credit unions · checked Oct 4–22
- Typical
- 2.25%
- Top 10% from
- 4.12%
- Banks, typical
- 1.15%
- Credit unions, typical
- 3.38%
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Hartford, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- COMTRUST Federal Credit UnionCredit union · 1 branch
- Riverbank Federal Credit UnionCredit union · 1 branch
- Connecticut State Police Credit UnionCredit union · 1 branch