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 31–45 results in Indianapolis, IN metro
- 3.82%APY$189 over 6 months on $10,000
Requirements
Product: A Regular Savings Account is required. There may be penalties for early withdrawal. Membership is open to individuals who live, work, worship, or attend school in Tipton, Clinton, or Howard County, Indiana, and their immediate family members.
Offer: There may be penalties for early withdrawal. A Regular Savings Account is required.
3.75% interest rate
Rate checked
More details - 3.82%APY$779 over 24 months on $10,000
Requirements
Product: Hold a dollar amount (over $1,000) in a certificate for a term of 6, 12, 18, or 24 months and pay a fixed dividend rate every month. Dividends are paid monthly on anniversary date of opening. Minimum balance required is $1,000. Early withdrawal penalty applies.
Offer: Minimum balance required is $1,000. Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Early withdrawal penalty applies.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
Offer: Early withdrawal penalty is 30 days' dividends.
3.68% interest rate · Effective Oct 15, 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 - 3.75%APY$248 over 8 months on $10,000intro rate
Requirements
Product: Rates may vary by market. Personal deposits accepted online; visit branch or call for business deposits. Penalty for early withdrawal. Funds must be received within 7 days to receive current rate.
Offer: New money (funds not on deposit with Centier Bank in the last 90 days).
Promotional rate · 3.68% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.75%APY$407 over 13 months on $10,000
Requirements
Product: Rates are subject to change without notice. Union Savings does not accept deposits from outside its market area.
Rate checked
More details - 3.75%APY$471 over 15 months on $10,000with conditions
Requirements
Product: APY quoted requires an active STAR checking relationship. Penalty may apply for early withdrawal. APYs can change at any time.
Offer: APY quoted requires an active STAR checking relationship. Compound frequency monthly. Penalty may apply for early withdrawal.
Qualified rate · Effective May 27, 2026
Rate checked
More details - 3.65%APY$396 over 13 months on $10,000
Requirements
Product: Minimum deposit of $1,000 to open certificate ($500 for primary members under age 18). Minimum of $500 balance required to earn dividends. With the Advantage Certificate, one additional deposit may be credited to the certificate within the first 6 months up to the initial deposit amount. Automatically renews into a 1 year share certificate at maturity. Maximum 3 Advantage Certificates per household. Penalty for early withdrawal.
Offer: Opening minimum is $500 for primary members under age 18. One additional deposit up to initial deposit amount allowed in first 6 months. Renews into 1-year share certificate at maturity. Maximum 3 Advantage Certificates per household.
3.54% interest rate · Effective Oct 1, 2026
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More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: Fixed rate share certificate. Additional deposits are not allowed. Automatic renewal. Withdrawals allowed subject to transaction limitations.
Offer: Dividends compounded at maturity and credited monthly.
3.60% interest rate · Effective Mar 11, 2026
Rate checked
More details - 3.60%APY$1,520 over 48 months on $10,000
Requirements
Product: Increase rate by 0.10% when placing $50,000 or more in a term between 18 months and 60 months.
Offer: 6 Month early withdrawal penalty
3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Christian Family Credit UnionShare CertificatesCD · 6 months · $1,000 min · 3.55%–3.80% by balance
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Requirements
Product: Early withdrawals subject to penalty. Membership eligibility required. Opening minimum is $500 according to general disclosures, but rate schedule tiers begin at $1,000.
3.50% interest rate · Effective Oct 3, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $49,999Your amount 3.55% $50,000 and up 3.80% Rate checked
More details - 3.55%APY$325 over 11 months on $10,000with conditions
Requirements
Product: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Only one CD per tax identification number. Deposits may be made throughout the term but cannot exceed the initial deposit amount. One penalty-free withdrawal allowed after 30 days from account opening. Automatically renews into a 12 month CD at maturity.
Offer: Reflects 0.20% bonus for opening and/or maintaining an FFBT checking account with a $1,000 minimum daily balance therein. Interest paid monthly.
Qualified rate · Balance cap $250,000 · Effective Jan 6, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Penalty will, or may, be imposed for early withdrawal.
Offer: Penalty will, or may, be imposed for early withdrawal.
3.50% interest rate · Effective Aug 1, 2026
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
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