Compare Bank & Credit Union Rates
Best CD rates in Ocean Springs, MS
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–9 results in Ocean Springs, MS
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: $1,000 minimum balance to open. Term 6 months to 8 years. Early withdrawal penalties apply (term < 1 yr: 3 mos interest; 1 to 1.75 yrs: 6 mos interest; 2 yrs+: 12 mos interest). Interest is simple and pays at maturity. APY assumes principal remains on deposit. Limited time specials: 7 mo. Smart CD Special, 13 mo. Smart CD Special, and Bump & Run 24 Mo. CD Special.
Offer: Limited offer. Minimum balance to open is $1,000. Interest is simple and pays at maturity. APY assumes principal remains on deposit.
3.93% interest rate
Rate checked
More details - 3.60%APY$148 over 5 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. Choose a term from 3 months to 5 years. No setup or maintenance fees. Early withdrawals are subject to penalty. Fixed, guaranteed rates.
Effective Jan 21, 2026
Rate checked
More details - Keesler Federal Credit UnionShare Certificate AccountsCD · 18 months · $1,000 min
Credit union · 1 branch
3.25%APY$491 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Ten-day grace period renewal at maturity.
3.21% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
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 - Navigator Credit UnionShare CertificatesCD · 60 months · 1.35%–1.40% by balance
Credit union · 1 branch
1.35%APY$693 over 60 months on $10,000Requirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Additional deposits cannot be made after opening.
1.34% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $25,000Your amount 1.35% $25,000 – $100,000 1.40% Rate checked
More details - Navigator Credit Union1st Nvestor CertificatesCD · 6 months · 0.45%–0.48% by balance
Credit union · 1 branch
0.45%APY$22 over 6 months on $10,000Requirements
Product: Requires ongoing deposits of at least $10 per week. Designed to help you grow into a full certificate. No large upfront deposit needed. Subject to membership eligibility. Early withdrawal penalty may apply.
Offer: Requires ongoing deposits of at least $10 per week
0.45% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for 1st Nvestor Certificates Balance APY Up to $25,000Your amount 0.45% $25,000 – $100,000 0.48% 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 Ocean Springs, MS
80 CDs at 7 banks and credit unions · checked Oct 16–22
- Typical
- 1.06%
- Top 10% from
- 3.80%
- Banks, typical
- 1.50%
- Credit unions, typical
- 0.90%
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Gulfport, MS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- All In Credit UnionCredit union · 1 branch
- Keesler Federal Credit UnionCredit union · 20 branches
- Southern Energy Credit UnionCredit union · 1 branch