Compare Bank & Credit Union Rates
Best CD rates in Washington, DC
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Washington, DC
- 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
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - City First BankCertificates of Deposit (CD) (Retail/Consumer Only)CD · 12 months · $1,000 min
Bank · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
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.
4.16% interest rate · Effective Oct 16, 2026
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 19 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: Minimum balance to open and earn promotional rate is $500. A penalty may be imposed for early withdrawal of funds. Fees could reduce earnings.
Promotional rate · Effective Aug 17, 2026
Rate checked
More details - Justice Federal Credit UnionSpecial 10-Month Share CertificateCD · 10 months · $500 min
Credit union · 5 branches
4.15%APY$345 over 10 months on $10,000with conditionsRequirements
Product: Certificate is subject to penalty for early withdrawal (terms of 12 months or less will lose 90 days of dividends; terms of 13 months or more will lose 180 days of dividends). Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.
Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).
Qualified rate · 4.09% interest rate · Effective Oct 1, 2026
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More details - 4.15%APY$450 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
Offer: Renews to Standard CD 12 Month (1 Year) term upon maturity.
Promotional rate · 4.08% interest rate · Effective Oct 16, 2026
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More details - Andrews Federal Credit UnionSpecial 13-Month Share CertificateCD · 13 months · $500 min
Credit union · 1 branch
4.15%APY$450 over 13 months on $10,000intro rateRequirements
Product: Must be opened with existing maturing Andrews Federal share certificate funds or new money not currently vested with the Credit Union. Maximum balance is $250,000. Limited time offer. Automatically renews at maturity 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 to earn advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal certificate funds or new money. No early withdrawal penalty. At maturity automatically renews to 12-month share certificate.
Promotional rate · 4.09% interest rate · Balance cap $250,000
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More details - 4.10%APY$237 over 7 months on $10,000intro rate
Requirements
Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited at maturity for terms less than 1 year. Fixed rate.
Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.
Promotional rate · Effective Oct 1, 2026
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $500 Minimum Opening Balance. Dividends are Compounded/Credited Quarterly on Regular Share Certificate terms. Term Certificate accounts may be subject to penalties for early withdrawal.
Offer: 13 Months Share Certificate promotional offer. Limited to two per member. Dividends posted quarterly. Not available for the Earn More rate. Accurate as of August 1, 2026. At renewal, balances under $50,000 renew into 12 month Share Certificate; balances $50,000 or more renew into 12 month Mini-Jumbo Share Certificate.
Promotional rate · Balance cap $250,000 · Effective Aug 1, 2026
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More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
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More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
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More details - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited monthly for terms 1 year or more. Fixed rate.
Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.
Promotional rate · Effective Oct 1, 2026
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More details - 4.03%APY$233 over 7 months on $10,000intro rate
Requirements
Product: Can only be opened online at www.amalgamatedbank.com. Cannot be opened at an Amalgamated Bank branch. Opening deposits must be new money only (deposits not previously held by the bank). Maximum opening deposit of $249,999.99 if opened online.
Offer: Must be opened online. Opening deposits must be new money only. Maximum opening deposit of $249,999.99 if opened online.
Promotional rate · 4.00% interest rate · Balance cap $249,999.99 · Effective Sep 25, 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 Washington, DC
608 CDs at 53 banks and credit unions · checked Oct 16–22
- Typical
- 3.03%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.35%
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Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches