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 1–13 results in Putnam, CT metro
- 4.30%APY$357 over 10 months on $10,000intro rate
Requirements
Product: Certificates renew automatically with a 10-day grace period. Early withdrawal penalties: 90 days dividends for terms 1 year or less; 182 days dividends for terms from 1 year up to 2 years; 365 days dividends for terms greater than 2 years. Interest is compounded and paid monthly. Must be a Waypoint member.
Offer: Special rate effective September 28 – October 16, 2026. Valid for new and/or existing money. Minimum balance $1,000; maximum $100,000. Limited to one special share certificate per SSN.
Promotional rate · 4.22% interest rate · Balance cap $100,000 · Effective Sep 28, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Requires a minimum of $10,000.00 in new money (defined as funds not currently on deposit with us). Funds on deposit in a maturing Jewett City Savings Bank (JCSB) CD are eligible when an additional $10,000 in new money is added to the JCSB CD and the APY remains in effect on the date you notify us of renewal within your grace period. Minimum daily balance to obtain the APY is $0.01. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. Open in branch only.
Offer: Requires a minimum deposit of $10,000.00 in new money. Funds on deposit in a maturing JCSB CD eligible when an additional $10,000 in new money is added. Open in branch only.
Promotional rate · Effective Oct 5, 2026
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More details - 4.25%APY$246 over 7 months on $10,000with conditions
Requirements
Product: All funds deposited must be New Money (funds not on deposit with Centreville Bank within the last 30 days). Early withdrawal penalty may apply.
Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.
Qualified rate
Rate checked
More details - Centreville Bank15-Month CD Special ($10,000 New Money)CD · 15 months · $10,000 min
Bank · 4 branches
4.25%APY$534 over 15 months on $10,000with conditionsRequirements
Product: $10,000 in New Money required to open the account (funds not on deposit with Centreville Bank within the last 30 days). Early withdrawal penalty may apply.
Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.
Qualified rate
Rate checked
More details - America's First Network Credit UnionShare CertificatesCD · 15 months · $500 min
Credit union · 1 branch
4.25%APY$534 over 15 months on $10,000intro rateRequirements
Offer: Limited time certificate special
Promotional rate · 4.18% interest rate · Effective Oct 1, 2026
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More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
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More details - 4.10%APY$237 over 7 months on $10,000intro rate
Requirements
Product: Requires up to $10,000 in new money. Funds on deposit in a maturing Jewett City Savings Bank (JCSB) CD are eligible when renewed within grace period. Open in branch only. Penalty may be imposed for early withdrawal. Available for a limited time only.
Offer: Requires up to $10,000 in new money. Funds on deposit in a maturing JCSB CD are eligible when renewed within grace period. Open in branch only. Available for a limited time only.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: At account holder's request, interest rate and APY may be increased prior to maturity without penalty if rates increase (one time during 18-month term or two times during 42-month term). Early withdrawal penalty may apply.
Offer: Interest rate and APY may be increased one time during the 18-month term prior to maturity without penalty to current interest rate/APY for new CDs of the same type.
Effective Oct 5, 2026
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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
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More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
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More details - 3.00%APY$74 over 3 months on $10,000with conditions
Requirements
Product: Early withdrawal penalty may apply. $1,000 minimum balance to open.
Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.
Qualified rate
Rate checked
More details - 2.00%APY$1,041 over 60 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01.
Effective Oct 5, 2026
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More details - 0.49%APY$247 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty may apply.
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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 Putnam, CT metro
66 CDs at 7 banks and credit unions · checked Oct 22
- Typical
- 2.50%
- Top 10% from
- 4.25%
- Banks, typical
- 2.50%
- Credit unions, typical
- 2.75%
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Putnam, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self-Help Federal Credit UnionCredit union · 1 branch