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 Reno, NV metro
- 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 - Farm Bureau BankCD with Step-Up OptionCD · 12 months · $1,000 min · 3.65%–3.75% by balance
Bank · 1 branch
3.65%APY$365 over 1 year on $10,000Requirements
Product: Allows for a one-time rate increase to a Step-Up CD of the same term. Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.59% interest rate · Compounded daily
Rate by balance
Rate by balance for CD with Step-Up Option Balance APY $1,000 – $49,999Your amount 3.65% $50,000 and upJumbo CD tier. 3.75% Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - Great Basin Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · 4 branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Share Certificates automatically renew upon maturity for the same term at current rates. Dividends paid quarterly; subject to early withdrawal penalties.
3.55% interest rate · Effective Aug 24, 2026
Rate checked
More details - Great Basin Federal Credit UnionPayday CertificateCD · 12–Unknown months · $250 min
Credit union · 4 branches
3.50%APYRequirements
Product: Requires minimum term of 1 year with monthly contributions of $25. Certificate dividends paid quarterly; subject to early withdrawal fee/penalties.
Offer: Requires $25 monthly contributions. Minimum 1-year (12-month) term.
3.46% interest rate · Effective Aug 24, 2026
Rate checked
More details - 3.50%APY$560 over 19 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
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 - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: Rates effective as of October 22, 2026. Dividends credited and compounded monthly. Minimum deposit $250.
Offer: 1 Year term. Minimum deposit $250.
3.25% interest rate · Compounded monthly · Effective Oct 22, 2026
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
Rate checked
More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - Financial Horizons Credit UnionTriple Option Share CertificateCD · 24 months · $2,500 min
Credit union · 1 branch
3.00%APY$609 over 24 months on $10,000Requirements
Product: Choose terms from 24 to 60 months. Make additional deposits as you wish. Withdraw money once (up to half of your original deposit). If overall interest rates rise, you may adjust your Certificate rate once. Dividends can be paid monthly or compounded monthly and paid at maturity.
2.96% interest rate · Compounded monthly · Effective Sep 4, 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 Reno, NV metro
324 CDs at 21 banks and credit unions · checked Oct 6–22
- Typical
- 2.08%
- Top 10% from
- 4.18%
- Banks, typical
- 0.40%
- Credit unions, typical
- 3.90%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Reno, NV 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 · 7 branches
- Mountain America Credit UnionCredit union · 2 branches