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 76–90 results in Washington, DC
- United States Senate Federal Credit UnionSmart Share CertificatesCD · 60 months · 2.99%–3.10% by balance
Credit union · 1 branch
2.99%APY$1,587 over 60 months on $10,000Requirements
Product: Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Higher returns for jumbo balances of $200,000 or more.
2.95% interest rate
Rate by balance
Rate by balance for Smart Share Certificates Balance APY Up to $99,999Your amount 2.99% $100,000 – $199,999 3.05% $200,000 and up 3.10% Rate checked
More details - IDB Global Federal Credit UnionStep-Up CertificateCD · 48 months · $1,000 min
Credit union · 1 branch
2.90%APY$1,211 over 48 months on $10,000Requirements
Product: At your discretion, you may change the dividend rate on the account once during the life of the certificate if rates increase, as determined by the credit union board of directors. Account will not renew automatically at maturity. Must be a member of IDB Global Federal Credit Union.
Offer: Rate may be changed once during the term if rates increase.
2.86% interest rate · Effective Sep 22, 2025
Rate checked
More details - United States Senate Federal Credit UnionBump Rate Share CertificateCD · 60 months · $1,000 min · 2.89%–2.99% by balance
Credit union · 1 branch
2.89%APY$1,531 over 60 months on $10,000Requirements
Product: Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Not pledgeable as collateral for shared secured loans. One-time rate increase option during term.
Offer: Less than $99,999 balance tier. One-time bump option applicable.
2.85% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Rate Share Certificate Balance APY $1,000 – $99,999Your amount 2.89% $100,000 – $199,999 2.94% $200,000 and up 2.99% Rate checked
More details - 2.78%APY$564 over 24 months on $10,000
Requirements
Product: Minimum to open is $1,000.00 and minimum to earn APY is $1,000.00. Early withdrawal penalty may apply. Membership required.
2.75% interest rate
Rate checked
More details - Advantage Financial Federal Credit UnionCertificatesCD · 60 months · $500 min · 2.69%–2.79% by balance
Credit union · 2 branches
2.69%APY$1,419 over 60 months on $10,000Requirements
Product: Dividends are fixed for the term of the certificate, declared, compounded and paid monthly based on average daily balance. Early withdrawal penalties may apply. No setup or maintenance fees.
2.65% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 2.69% $50,000 and upBonus Certificate rate tier 2.79% Rate checked
More details - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - OAS Federal Credit UnionStep-Up Share CertificatesCD · 24 months · $2,500 min · 2.38%–2.43% by balance
Credit union · 1 branch
2.38%APY$482 over 24 months on $10,000Requirements
Product: The dividend rate in effect at opening is fixed for the term unless the account holder requests a rate increase after the certificate has been open for at least 12 months. Early withdrawal penalty may apply. Dividends compounded daily, credited quarterly.
Offer: Dividend rate 2.35%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly.
2.35% interest rate · Compounded daily
Rate by balance
Rate by balance for Step-Up Share Certificates Balance APY $2,500 and upYour amount 2.38% $100,000 and upJumbo rate. Dividend rate 2.40%. 2.43% Rate checked
More details - National Capital BankPlatinum Account Holders Certificates of DepositCD · 6 months · $1,000 min
Bank · 2 branches
2.18%APY$108 over 6 months on $10,000with conditionsRequirements
Product: For Platinum account holders. Rate is 0.10% higher than standard CD rates and may differ at renewal. Early withdrawal penalty and fees could reduce earnings. For Platinum Checking and ePlatinum Interest Checking, one penalty-free withdrawal up to $2,500 allowed under specified balance and time conditions.
Offer: Early withdrawal penalty: 90 days' simple interest.
Qualified rate · 2.16% interest rate · Effective Feb 19, 2026
Rate checked
More details - 2.08%APY$103 over 6 months on $10,000
Requirements
Product: Fixed-rate terms ranging from 3 to 36 months. Interest is compounded and credited to the CD on a monthly basis. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty: 90 days' simple interest.
2.06% interest rate · Effective Feb 19, 2026
Rate checked
More details - Department of Commerce Federal Credit UnionShare CertificatesCD · 48–59 months · $500 min
Credit union · 1 branch
2.08%APYRequirements
Product: Initial deposits as low as $500. No monthly service fees. No additional funds may be deposited during the certificate term. Early withdrawal penalties apply (90 days interest for 6-11 month maturities; 180 days interest for 12-84 month maturities). Dividends deposited/credited monthly. 10-day grace period following maturity date. Insured up to $250,000 by NCUA.
2.05% interest rate · Effective Apr 1, 2022
Rate checked
More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Open at nearest United Bank branch. Minimum opening deposit is $500.
Offer: Open at nearest United Bank branch.
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 22 branches
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 - D.C. Teachers' Federal Credit UnionShare CertificatesCD · 12 months · $10,000 min
Credit union · 1 branch
1.74%APY$174 over 1 year on $10,000Requirements
Product: Minimum deposit of $500. Dividends are compounded quarterly and paid quarterly. Penalty for early withdrawal. Certificates automatically renew with notice at least 30 days prior to maturity. Membership requires $50 par value in regular shares.
1.74% interest rate · Compounded quarterly · Effective Oct 20, 2026
Rate checked
More details - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.
Effective Sep 24, 2026
Rate checked
More details - Transit Employees Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · 1 branch
0.95%APY$484 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; penalty will or may be imposed for early withdrawal (1 quarter's dividend after 7 days); automatically renews at the same term at prevailing rate; no maintenance fees. Membership eligibility required.
0.95% interest rate · Effective Jun 2, 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%
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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