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 1–15 results in Richmond, IN metro
- 4.35%APY$1,525 over 40 months on $10,000intro rate
Requirements
Product: Fixed rate certificates with terms from 3 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: 40 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty.
Promotional rate · 4.26% interest rate · Effective Sep 24, 2026
Rate checked
More details - 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 - 3.91%APY$458 over 14 months on $10,000with conditions
Requirements
Product: Options range from 182 days to 5 years. Opening minimum is $1,000.00.
Offer: *Upon maturity of the initial term, CD will renew as a 12-month CD. You must maintain an existing checking account or open a new checking account with a minimum opening deposit of $500. A penalty may be imposed for early withdrawal. Interest compounds semiannually.
Qualified rate · 3.87% interest rate · Effective Jun 26, 2026
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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
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More details - 3.75%APY$407 over 13 months on $10,000
Requirements
Product: Interest paid monthly.
Offer: Interest paid monthly.
3.69% interest rate · Effective Oct 6, 2026
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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 - Perfect Circle Credit UnionShare Certificate of Deposit (CD)CD · 12 months · $500 min
Credit union · 2 branches
3.56%APY$356 over 1 year on $10,000Requirements
Product: Dividends are paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty applies: 30 days' dividends for terms of less than one year, and 90 days' dividends for terms of one year or longer. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in a Regular Share account.
Offer: Dividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends.
3.50% 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 - 3.25%APY$1,007 over 36 months on $10,000
3.20% interest rate
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 1.00%APY$25 over 3 months on $10,000
Requirements
Product: Penalty for early withdrawal may apply. Automatically renewable.
Offer: Penalty for early withdrawal may apply.
Effective Oct 1, 2026
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More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal may apply.
Offer: Penalty for early withdrawal may apply.
Effective Oct 1, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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 Richmond, IN metro
149 CDs at 10 banks and credit unions · checked Oct 6–16
- Typical
- 2.00%
- Top 10% from
- 3.28%
- Banks, typical
- 0.45%
- Credit unions, typical
- 2.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Richmond, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Merchants BankBank · 2 branches