Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Indianapolis, IN metro
- 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal. Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0%. Interest rate may change at any time based on changes in the index.
Offer: Must maintain minimum balance of $1000 every day to earn APY. Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0%. Interest rate may change at any time based on changes in the index. Penalty may be imposed for early withdrawal.
Effective Sep 17, 2026
Rate checked
More details - Home National BankCertificates of DepositCD · 6 months · $1,000 min · 4.06%–4.11% by balance
Bank · 2 branches
4.06%APY$201 over 6 months on $10,000with conditionsRequirements
Product: Earn a bonus on all normal CD rates (excludes special CDs) when you have or open a Home Green, Home Plus or Home Grand 55 checking account. Jumbo rate applies to balances of $100,000.00 and over. Penalty for early CD withdrawal CDs maturing in 1 year or less – penalty is 3 months of interest earned or would have been earned. CDs maturing in over 1 year – penalty is 6 months of interest earned or would have been earned.
Qualified rate · 4.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Any balanceYour amount 4.06% $100,000 and up 4.11% Rate checked
More details - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.01%APY$367 over 11 months on $10,000
Requirements
Product: Fixed interest rate locked in at time of deposit. Early withdrawal penalties apply.
Offer: Special CD. Based on monthly compounding. No public funds. 11 month CD renews for a 12-month term at maturity at current market rate. Early withdrawal penalty applies.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Offer: Under $50,000 (Dividends Paid at Maturity)
Effective Oct 13, 2024
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Terms available ranging from 3 months to 60 months. Penalty will be imposed for early withdrawal.
Offer: New accounts only with $10,000 new money deposit. Penalty will be imposed for early withdrawal.
Promotional rate · Effective Apr 20, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Rates are subject to change and may change after the account is open. Fees could reduce earnings. A penalty may be imposed for early withdrawal of CDs.
Offer: Under $100,000.00. Penalty may be imposed for early withdrawal.
3.93% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Terms from 3 to 60 months. Minimum opening balance $1,000. Rates fixed for term. Auto-renews at maturity with 10-day grace period for penalty-free withdrawal. Early withdrawal penalty based on term length: 90 days interest for 1–3 months; 180 days interest for 4–18 months; 360 days interest for 19+ months.
Offer: Interest compounded and credited monthly. Early withdrawal penalty: 180 days interest.
3.93% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Minimum deposit is $500. Terms and Conditions subject to change without notice. Penalty may be imposed for early withdrawal.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
Offer: Special rate; limited time only, rate subject to change.
Compounded annually · Balance cap $5,000,000 · Effective Oct 14, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Rates effective as of October 1, 2026. Penalty may be imposed for early withdrawal. Rates will normally change every Wednesday, but are subject to change at any time.
Offer: Penalty may be imposed for early withdrawal.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal.
4.00% interest rate · Effective Apr 1, 2026
Rate checked
More details - 3.90%APY$423 over 13 months on $10,000with conditions
Requirements
Product: Requires having or opening a Lake City Bank checking account. Deposits and withdrawals not allowed. Penalty for early withdrawal.
Offer: Requires checking account. Penalty for early withdrawal.
Qualified rate · Effective Oct 4, 2026
Rate checked
More details - 3.85%APY$2,041 over 59 months on $10,000intro rate
Requirements
Product: Limited-time promotional CD offer. Fixed-rate deposit product. Minimum balance of $500.00 required to open the account and earn the stated APY. Early withdrawal penalty applies.
Offer: Promotional CD. Interest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies.
Promotional rate · 3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.82%APY$94 over 3 months on $10,000
Requirements
Product: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Offer: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Effective Sep 17, 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 metro
528 CDs at 48 banks and credit unions · checked Oct 15–22
- Typical
- 2.52%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.15%
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