Compare Bank & Credit Union Rates
Best CD rates in District of Columbia
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in District of Columbia
- 4.60%APY$941 over 24 months on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - 4.55%APY$1,992 over 49 months on $10,000
Requirements
Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
Offer: Available for Certificate and IRA funds. Minimum $10,000 new funds brought from an external source required to open certificate. Early withdrawal penalties apply and may reduce earnings. A minimum of $10,000 must be deposited between October 1, 2026, and October 31, 2026. Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice. Special certificate renews automatically to a standard 48-month term at the rate in effect at the time of renewal unless instructed otherwise.
4.46% interest rate · Effective Oct 1, 2026
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More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
4.40% interest rate · Compounded daily · Effective Oct 7, 2026
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More details - Library of Congress Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · 1 branch
4.47%APY$2,444 over 60 months on $10,000Requirements
Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.
Offer: Compounded quarterly
4.40% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - 4.45%APY$445 over 1 year on $10,000
Requirements
Product: Interest is compounded daily and credited periodically. Penalty for early withdrawal may reduce earnings. APY assumes interest remains on deposit until maturity date. Fixed rate paid for the full term.
4.35% interest rate · Compounded daily · Effective Sep 24, 2026
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More details - 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
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More details - Congressional Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · 4 branches
4.40%APY$440 over 1 year on $10,000intro rateRequirements
Product: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
Offer: Special Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal.
Promotional rate · Effective Aug 3, 2026
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More details - Andrews Federal Credit UnionSpecial 15-Month Share CertificateCD · 15 months · $500 min
Credit union · 1 branch
4.40%APY$553 over 15 months on $10,000with conditionsRequirements
Product: Must be opened with existing maturing Andrews Federal share certificate funds or must be new money, not currently vested within the Credit Union. Maximum balance allowed is $250,000. Limited time offer. At maturity, all 15-Month Share Certificates automatically renew to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
Offer: Minimum of $500 to open and maintain account as well as earn the advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal share certificate funds or new money. Limited time offer. No penalties apply for early withdrawal. At maturity, automatically renews to a 12-Month share certificate.
Qualified rate · 4.33% interest rate · Balance cap $250,000
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More details - 4.40%APY$899 over 24 months on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
Offer: Opened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Rate checked
More details - 4.39%APY$439 over 1 year on $10,000intro rate
Requirements
Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.
Promotional rate · 4.30% interest rate · Effective Oct 16, 2026
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More details - Library of Congress Federal Credit UnionMonthly Dividend CertificateCD · 24 months · $5,000 min
Credit union · 1 branch
4.39%APY$897 over 24 months on $10,000Requirements
Product: $5,000 minimum deposit/balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly. Dividends earned monthly are automatically transferred or mailed.
Offer: Paid and compounded monthly
4.30% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - 4.37%APY$437 over 1 year on $10,000intro rate
Requirements
Product: Dividend payment postings for Share Certificates are paid on the last day of each quarter. Transaction grace period of 10 days from renewal date. Early withdrawal penalty may be imposed.
Offer: Paycheck Certificate Promo.
Promotional rate · 4.30% interest rate
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More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
4.26% interest rate · Effective Oct 16, 2026
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More details - InFirst Federal Credit UnionShare Certificate SpecialsCD · 15 months · $1,000 min
Credit union · 1 branch
4.30%APY$540 over 15 months on $10,000intro rateRequirements
Product: Must be entirely funded with new money (funds not currently on deposit at InFirst FCU). Limit 4 per member. No add-on features. Minimum opening balance $1,000; maximum balance $750,000. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to 6-month, 11-month to 6-month, 15-month to 1-year). Early withdrawal penalty applies. Membership required.
Offer: Must be entirely funded with new money. Limit 4 per member. No add-on features. At maturity rolls over to 1-year standard certificate term. Early withdrawal penalty applies. Membership required.
Promotional rate · 4.23% interest rate · Balance cap $750,000 · Effective Oct 1, 2026
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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 District of Columbia
670 CDs at 60 banks and credit unions · checked Oct 16–22
- Typical
- 3.10%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.40%
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District of Columbia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- EagleBankBank · 3 branches
- PenFed Credit UnionCredit union · 3 branches
- American Airlines Federal Credit UnionCredit union · 1 branch