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 76–90 results in District of Columbia
- 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
Rate checked
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 - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 1 branch
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
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 - United States Senate Federal Credit UnionSmart Share CertificatesCD · 60 months · 2.99%–3.10% by balance
Credit union · 2 branches
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 - 2.93%APY$1,225 over 48 months on $10,000
Requirements
Product: Fixed rate with option to bump up dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends compounded and paid monthly. Early withdrawal penalty may apply.
2.90% interest rate · Effective Oct 1, 2026
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 · 2 branches
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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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