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 61–75 results in Washington, DC
- 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.
3.40% interest rate · Compounded daily
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Rates remain constant for the entire certificate term. Dividends calculated daily and compounded/credited quarterly. Early withdrawal penalty applies.
Offer: Rates set monthly. Penalty for early withdrawal.
3.41% interest rate
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More details - 3.40%APY$340 over 1 year on $10,000
3.40% interest rate · Balance cap $249,999.99 · Effective Sep 25, 2026
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More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 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 - USPS Federal Credit UnionMonthly Income Share Certificate Account (MISCA)CD · 24 months · $10,000 min
Credit union · 1 branch
3.30%APY$671 over 24 months on $10,000Requirements
Product: Transfers monthly dividend payments to USPS FCU Share Savings or Checking Account as income supplement. Penalty imposed for early withdrawal.
Offer: 2 Year Term. Rates set monthly.
3.25% interest rate · Balance cap $500,000
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More details - USPS Federal Credit UnionMoney Market Add-On CertificateCD · 6 months · $5,000 min
Credit union · 1 branch
3.25%APY$161 over 6 months on $10,0003.20% interest rate · Balance cap $500,000
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More details - 3.25%APY$1,007 over 36 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
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 - OAS Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 3.05%–3.10% by balance
Credit union · 1 branch
3.05%APY$305 over 1 year on $10,000Requirements
Product: Fixed dividend rate. Early withdrawal penalties apply. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period. No monthly service fees. NCUA insured up to $250,000.
Offer: Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period.
Compounded daily
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.05% $100,000 and upJumbo rate for deposits of $100,000 or more. 3.10% Rate checked
More details - OAS Federal Credit UnionRegular Share CertificatesCD · 12 months · $500 min · 3.05%–3.10% by balance
Credit union · 1 branch
3.05%APY$305 over 1 year on $10,000Requirements
Product: Fixed dividend rate. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly. Auto-renews at maturity with a 10-day grace period. No monthly service fees.
Offer: Dividend rate 3.00%. Compounded daily, credited quarterly. Early withdrawal penalty may apply.
3.00% interest rate · Compounded daily
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $500 and upYour amount 3.05% $100,000 and upJumbo rate. Dividend rate 3.05%. 3.10% Rate checked
More details - 3.03%APY$616 over 24 months on $10,000
Requirements
Product: No dividends are paid on balances that fall below account minimum balance requirements. Early withdrawal penalties apply to dividends only and do not reduce principal balance (penalty is between 5 and 90 days of simple interest on amount withdrawn).
Offer: Minimum opening deposit: $500.
3.00% interest rate
Rate checked
More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
2.96% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Rates subject to change daily and fixed for term. Dividends calculated daily, paid and compounded quarterly and at maturity. Early withdrawal penalty applies.
2.97% interest rate · Compounded quarterly · Effective Oct 3, 2026
Rate checked
More details - BankFund Credit UnionExtended Term Share CertificateCD · 84 months · $1,000 min
Credit union · 4 branches
3.00%APY$2,299 over 84 months on $10,000Requirements
Product: Rates subject to change daily and fixed for term. Dividends calculated daily, paid and compounded quarterly and at maturity. Early withdrawal penalty applies.
2.97% interest rate · Compounded quarterly · Effective Oct 3, 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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