Compare Bank & Credit Union Rates
Best CD rates in Mississippi
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Mississippi
- New Orleans Firemen's Federal Credit UnionCertificateCD · 12 months · $2,000 min · 4.00%–4.40% by balance
Credit union · 1 branch
4.40%APY$440 over 1 year on $10,000Requirements
Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.
Rate by balance
Rate by balance for Certificate Balance APY $2,000 – $9,999 4.00% $10,000 and upYour amount 4.40% Rate checked
More details - 4.33%APY$433 over 1 year on $10,000
Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded monthly.
4.25% interest rate · Compounded monthly · Effective Oct 7, 2026
Rate checked
More details - 4.32%APY$432 over 1 year on $10,000
Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded quarterly.
4.25% interest rate · Compounded quarterly · Effective Oct 7, 2026
Rate checked
More details - Gulf Coast Community Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 0.70%–4.25% by balance
Credit union · 4 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Early withdrawal penalty equal to one half of original term's projected dividend earnings (whether earned or not) with a 365-day maximum. No setup or maintenance fees. Rates subject to change at renewal.
Offer: This special rate is available for a limited time.
4.17% interest rate · Effective May 5, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 4.25% $100,000 and up 0.70% Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: May have an early withdrawal penalty. Can be set to automatically renew.
Offer: Early withdrawal penalty: 3 Months.
Effective Oct 15, 2026
Rate checked
More details - All In Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.18%–4.23% by balance
Credit union · 1 branch
4.18%APY$418 over 1 year on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
4.10% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.18% $100,000 and upJumbo 4.23% Rate checked
More details - 4.16%APY$416 over 1 year on $10,000
Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
Offer: 12 Month Variable
4.08% interest rate · Effective Oct 9, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 5 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - Triangle Federal Credit UnionShare CertificatesCD · 12 months · $10,000 min
Credit union · 5 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends can be withdrawn or added to the certificate. No setup or maintenance fees. All Share Certificates automatically renew at maturity if no action is taken. Save-up option available on 12, 18, 24, and 36 month terms (add in minimum increments of $100). Step-up option available on 24 and 36 month terms (one-time rate change). Early withdrawal penalty applies.
Offer: Dividends Compounded & Paid Quarterly. Penalty will be imposed for early withdrawal. Save-up option available.
4.00% interest rate · Effective Jun 26, 2026
Rate checked
More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 1 branch
3.95%APY$395 over 1 year on $10,000Requirements
Product: Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.
Offer: Term: 366 Days
Compounded daily
Rate checked
More details - Magnolia Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 2.02%–3.82% by balance
Credit union · 5 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Minimum balance of $1,000 required to open and obtain advertised APY for standard tiers, or $2,500 for higher-rate tiers. A penalty may be imposed for early withdrawal. Rates vary by branch location (Mississippi / Texas).
2.00% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 2.02% $2,500 and upYour amount 3.82% Rate checked
More details - Eagle Express Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
3.82%APY$382 over 1 year on $10,000intro rateRequirements
Product: Dividends compounded & credited monthly. Minimum balance to earn APY is $500.00. Early withdrawal penalty applies (90 days of dividends on amount withdrawn). Not automatically renewable. Additional deposits not permitted after account opening.
Offer: 12 Month Special; limited time offer.
Promotional rate · 3.75% interest rate · Effective Oct 3, 2025
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: $500 minimum opening deposit. Variable rates subject to change. Fees, if incurred, may reduce earnings.
3.74% interest rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
3.68% interest rate · Effective Oct 15, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay in Mississippi
73 CDs at 58 banks and credit unions · checked Oct 15–22
- Typical
- 2.85%
- Top 10% from
- 4.04%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.20%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Mississippi
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Triangle Federal Credit UnionCredit union · 5 branches
- New Orleans Firemen's Federal Credit UnionCredit union · 1 branch
- RiverLand Federal Credit UnionCredit union · 2 branches