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
- 4.45%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
Rate checked
More details - 4.40%APY$440 over 1 year 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
Rate checked
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
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
Rate checked
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
Rate checked
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
Rate checked
More details - 4.35%APY$435 over 1 year 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: Annual Percentage Yield as of October 1, 2026. Minimum $50 deposit to open. Must be age 23 or under to be eligible. Additional deposits of at least $25 can be made at any time, but are not required. Balance, including dividends, cannot exceed $50,000 and any excess will be automatically transferred to the Prime Savings account. Early withdrawal penalties apply and may reduce earnings. Unless otherwise instructed, at age 24, an Early Savers Certificate will automatically renew to a standard 12-month term at the rate in effect at the time of renewal unless the certificate has a balance of less than $1,000, in which case, the balance will be transferred to the Prime Savings account.
4.27% interest rate · Balance cap $50,000 · Effective Oct 1, 2026
Rate checked
More details - NASA Federal Credit UnionShare CertificatesCD · 12 months · $250 min · 4.25%–4.35% by balance
Credit union · 2 branches
4.35%APY$435 over 1 year on $10,000Requirements
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: Annual Percentage Yield as of October 1, 2026. Minimum $250 deposit to open; maximum $2,500 per month add on. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless otherwise instructed. Additional deposits of at least $25 must be made by automated means (i.e. account-to-account transfers, Online Banking recurring or non-recurring transfers, etc.) but are not required. Early withdrawal penalties apply and may reduce earnings. Additional conditions apply.
4.17% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $250 and up 4.25% $1,000 and upYour amount 4.35% Rate checked
More details - 4.30%APY$430 over 1 year 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
Rate checked
More details - 4.30%APY$430 over 1 year 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 Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Rate checked
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
Rate checked
More details - 4.25%APY$425 over 1 year 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.
4.16% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - Library of Congress Federal Credit UnionShare CertificateCD · 12–17 months · $500 min
Credit union · 1 branch
4.22%APYRequirements
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
4.15% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).
Offer: Early withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal.
4.00% interest rate · Effective Oct 1, 2026
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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 1-year CDs pay in District of Columbia
81 CDs at 57 banks and credit unions · checked Oct 16–22
- Typical
- 3.50%
- Top 10% from
- 4.30%
- Banks, typical
- 2.51%
- Credit unions, typical
- 3.65%
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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