Compare Bank & Credit Union Rates
Best CD rates in Gardnerville, NV
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Douglas County, NV · Showing Douglas County, NV: too few institutions in Gardnerville, NV
- America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 2026
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.45%APY$2,432 over 60 months on $10,000Requirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.36% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.30%APY$2,343 over 60 months on $10,000
Requirements
Product: Fixed rate for the term. Dividends credited and compounded monthly unless otherwise paid. Non-compounding Certificates available at reduced rates and APYs. Penalty for early withdrawal.
4.22% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 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$237 over 7 months on $10,000
Requirements
Product: Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: 7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - America First Credit UnionFlexible Certificate AccountsCD · 12 months · $500 min
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000Requirements
Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.
Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.
3.74% interest rate · Balance cap $100,000 · Effective Oct 21, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.24%APY$379 over 14 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity from term accounts. Fees imposed on your account may affect the annual percentage yield.
3.19% interest rate · Effective Sep 1, 2026
Rate checked
More details - 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 - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
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More details - 2.10%APY$643 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
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 - 1.70%APY$170 over 1 year on $10,000with conditions
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Qualified rate · Balance cap $250,000 · 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 CDs pay in Douglas County, NV
203 CDs at 9 banks and credit unions · checked Oct 4–22
- Typical
- 1.24%
- Top 10% from
- 4.05%
- Banks, typical
- 0.20%
- Credit unions, typical
- 3.95%
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Gardnerville Ranchos, NV-CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Greater Nevada Credit UnionCredit union · 1 branch