Compare Bank & Credit Union Rates
Best CD rates in Indianapolis, IN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in Indianapolis, IN
- 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 - Professional Police Officers Credit UnionShare Certificates - Two YearCD · 24 months · $10,000 min
Credit union · 2 branches
3.05%APY$619 over 24 months on $10,000Requirements
Product: Dividends are compounded daily and paid at maturity. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty may apply.
3.00% interest rate · Compounded daily
Rate checked
More details - 3.04%APY$1,615 over 60 months on $10,000
Requirements
Product: Substantial interest penalties apply for early withdrawal of funds from Certificates of Deposits/IRA's.
Offer: Min. Balance to Earn APY: None.
3.00% interest rate · Effective Mar 24, 2026
Rate checked
More details - 3.04%APY$1,968 over 72 months on $10,000
Requirements
Product: Must be an Everwise member ($5 initial Share deposit required). Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Offer: Minimum balance required to earn APY is $500. Early withdrawal penalty may apply.
3.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 2.75%APY$91 over 4 months on $10,000
Requirements
Product: Penalty for early withdrawal. Deposits and withdrawals not allowed.
Offer: Penalty for early withdrawal.
Effective Oct 4, 2026
Rate checked
More details - 2.65%APY$400 over 18 months on $10,000
Requirements
Product: Unlimited deposits and up to one withdrawal per month allowed. Penalty for early withdrawal.
Offer: Unlimited deposits and up to one withdrawal per month. Penalty for early withdrawal.
Effective Oct 4, 2026
Rate checked
More details - 2.40%APY$995 over 48 months on $10,000
Requirements
Product: Allows withdrawal and reinvestment of deposit once without penalty, as long as new CD's term equals time remaining in original Rate-Riser CD. Deposits and withdrawals not allowed otherwise. Penalty for early withdrawal.
Offer: Allows one penalty-free withdrawal and reinvestment for remaining term. Penalty for early withdrawal.
Effective Oct 5, 2026
Rate checked
More details - 2.25%APY$690 over 36 months on $10,000intro rate
Requirements
Product: Ability to withdraw funds without penalty at any six month interval.
Offer: New Money rate for 6th Six Months interval.
Promotional rate · 2.23% interest rate · Effective Jun 16, 2026
Rate checked
More details - 2.25%APY$1,177 over 60 months on $10,000intro rate
Requirements
Product: Ability to withdraw funds without penalty at any one year interval.
Offer: New Money rate for 5th Year interval.
Promotional rate · 2.23% interest rate · Effective Jun 16, 2026
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited deposits and up to one withdrawal per month allowed. Penalty for early withdrawal.
Offer: Unlimited deposits and up to one withdrawal per month. Penalty for early withdrawal.
Effective Oct 4, 2026
Rate checked
More details - 0.75%APY$75 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply. Minimum $500 required to open. Rates subject to change without notice.
Offer: Term: 52 weeks. Early withdrawal penalties apply.
0.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY$0 over 0.4667 months on $10,000
Requirements
Product: STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Penalty may apply for early withdrawal. APYs can change at any time.
Offer: Requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Compound frequency at maturity. Penalty may apply for early withdrawal.
Effective May 27, 2026
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 Indianapolis, IN
339 CDs at 28 banks and credit unions · checked Oct 15–22
- Typical
- 2.65%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Indianapolis, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Elements FinancialCredit union · 5 branches
- FORUM Credit UnionCredit union · 16 branches
- Indiana Members Credit UnionCredit union · 24 branches