Compare Bank & Credit Union Rates
Best CD rates in Indiana
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Indiana
- Central Soya Federal Credit UnionShare CertificatesCD · 12–24 months · $5,000 min
Credit union · 1 branch
4.50%APYRequirements
Product: $500.00 minimum deposit required. APR/APY subject to change at any time without notice.
Offer: CD Special: You pick the term, 1 or 2 years. Minimum balance of $5,000.00.
4.50% interest rate
Rate checked
More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Must be opened with new money transferred from lower-paying accounts at other financial institutions. Transfers between Tech Credit Union accounts do not qualify. Requires $25.00 in Membership Savings. Penalty imposed for early withdrawal. Principal and interest transfer to Membership Savings at end of term.
Offer: Requires minimum $1,000 new money to open.
Promotional rate
Rate checked
More details - 4.50%APY$722 over 19 months on $10,000intro rate
Requirements
Product: CLFCU membership required (open a $5 membership savings account; eligible if living, working, worshipping, or going to school in Huntington County, or having an immediate family member who is a member). Early withdrawal penalties may be assessed.
Offer: Limited time special. Must have eStatements to be eligible for special certificate rates. Rate Guard does not apply.
Promotional rate · Effective Sep 28, 2026
Rate checked
More details - 4.47%APY$562 over 15 months on $10,000intro rate
Requirements
Product: Must be an Everwise member ($5 initial Share deposit required). Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Offer: Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500.
Promotional rate · 4.38% interest rate · Effective Oct 1, 2026
Rate checked
More details - Professional Police Officers Credit UnionCD SpecialCD · 11 months · $10,000 min
Credit union · 2 branches
4.45%APY$407 over 11 months on $10,000Requirements
Product: Dividends are compounded daily and paid at maturity. Early withdrawal penalty may apply.
Offer: Dividends are compounded daily and paid at maturity. Early withdrawal penalty may apply.
4.35% interest rate · Compounded daily
Rate checked
More details - Professional Police Officers Credit UnionShare Certificates - One YearCD · 11 months · $10,000 min
Credit union · 2 branches
4.45%APY$407 over 11 months on $10,000Requirements
Product: Dividends are compounded daily and paid at maturity. Additional deposits not allowed. Automatic renewal. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty may apply.
4.35% interest rate · Compounded daily
Rate checked
More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: Variable rate. Additional deposits required. Membership eligibility required. $5 deposit in Member Ownership Share required.
Offer: Dividend Rate formula: T-Bill + 0.25%. Variable rate.
Effective Oct 1, 2026
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More details - 4.40%APY$1,379 over 36 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open and earn desired APY on all Banterra CDs. Online applicants must be 18 years old, a US citizen with a US address, and resident of AZ, CO, ID, IL, IN, KY, MO, or UT.
Offer: Promotional rate special. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 13, 2026
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More details - 4.35%APY$288 over 8 months on $10,000
Requirements
Product: Fixed-rate, fixed-term certificate account. Dividends can be deposited into a Member Loyalty Account.
Offer: Requires checking account
4.27% interest rate · Effective Aug 11, 2026
Rate checked
More details - 4.35%APY$472 over 13 months on $10,000
Requirements
Product: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
Offer: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen.
4.27% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
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More details - 4.35%APY$1,525 over 40 months on $10,000intro rate
Requirements
Product: Fixed rate certificates with terms from 3 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: 40 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty.
Promotional rate · 4.26% interest rate · Effective Sep 24, 2026
Rate checked
More details - Chiphone Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · 6 branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.26% interest rate · Compounded daily · Effective Sep 24, 2024
Rate checked
More details - Purdue Federal Credit UnionSpecial Share CertificatesCD · 15 months · $5,000 min
Credit union · 14 branches
4.33%APY$544 over 15 months on $10,000intro rateRequirements
Product: Membership eligibility required. $5 deposit in Member Ownership Share required. Special Share Certificates are available for a limited time. Early withdrawal penalty applies.
Offer: Diamond Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
Promotional rate · 4.24% interest rate · Compounded daily
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More details - Dubois-Pike Federal Credit UnionShare CertificatesCD · 11 months · $1,000 min
Credit union · 1 branch
4.31%APY$394 over 11 months on $10,000Requirements
Product: Available to members of Dubois-Pike Federal Credit Union. Membership savings account required. Not eligible for online opening. Penalty for early withdrawal. Non-renewable.
Offer: Penalty for early withdrawal. Non-renewable. Membership savings account required. Not eligible for online opening.
4.25% interest rate · Effective Jul 18, 2025
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
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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 Indiana
1,673 CDs at 171 banks and credit unions · checked Oct 15–22
- Typical
- 2.94%
- Top 10% from
- 4.03%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.04%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Indiana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityWide Federal Credit UnionCredit union · 11 branches
- Haynes Community FCUCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch