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 136–150 results in Washington, DC-VA-MD-WV metro
- 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.
3.40% interest rate · Compounded daily
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Rates remain constant for the entire certificate term. Dividends calculated daily and compounded/credited quarterly. Early withdrawal penalty applies.
Offer: Rates set monthly. Penalty for early withdrawal.
3.41% interest rate
Rate checked
More details - Cedar Point Federal Credit UnionSoMD Saver CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
3.44%APY$171 over 6 months on $10,000intro rateRequirements
Product: Promotional 6-month certificate account. Fixed dividend rate of 3.40% yielding 3.44% APY. Automatically renews at the posted 6-month standard rate at the time of maturity. Early withdrawal penalty fee applies. Funds cannot be deposited into existing accounts until maturity.
Offer: Automatically renews at the posted 6-month standard rate at the time of maturity, which may be different than this promotional rate.
Promotional rate · 3.40% interest rate
Rate checked
More details - Cedar Point Federal Credit UnionEasy Builder Short Term Certificate AccountCD · 6 months · $50 min
Credit union · 1 branch
3.44%APY$171 over 6 months on $10,000Requirements
Product: Deposits allowed at any time. Renews at then current corresponding regular certificate rate when balance is at least $1,000.00 on maturity date.
Offer: Young Investor Option
3.40% interest rate · Effective Jan 26, 2026
Rate checked
More details - Cedar Point Federal Credit UnionShort Term Certificate AccountCD · 6 months · $1,000 min
Credit union · 1 branch
3.44%APY$171 over 6 months on $10,000Requirements
Product: APY assumes reinvestment at the same term for 12 months. Early withdrawal penalty applies. Funds cannot be deposited into existing accounts until maturity.
Offer: APY assumes reinvestment at the same term for 12 months
3.40% interest rate · Effective Jan 26, 2026
Rate checked
More details - 3.40%APY$340 over 1 year on $10,000
3.40% interest rate · Balance cap $249,999.99 · Effective Sep 25, 2026
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More details - 3.40%APY$692 over 24 months on $10,000
Requirements
Product: Interest accrues daily and credited in accordance with product statement cycle. Early withdrawal penalties apply. Fees may reduce earnings.
3.36% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
Rate checked
More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
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More details - 3.30%APY$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% 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 - USPS Federal Credit UnionMonthly Income Share Certificate Account (MISCA)CD · 24 months · $10,000 min
Credit union · 2 branches
3.30%APY$671 over 24 months on $10,000Requirements
Product: Transfers monthly dividend payments to USPS FCU Share Savings or Checking Account as income supplement. Penalty imposed for early withdrawal.
Offer: 2 Year Term. Rates set monthly.
3.25% interest rate · Balance cap $500,000
Rate checked
More details - Topside Federal Credit UnionRate Boost CertificateCD · 36 months · $100 min · 3.30%–3.40% by balance
Credit union · 2 branches
3.30%APY$1,023 over 36 months on $10,000Requirements
Product: Lock in dividend rate with the opportunity to increase it one time if the published Rate Boost Certificate rate for the same term rises during the certificate term. $100 minimum opening deposit. Available in 3-year and 5-year terms.
Offer: One-time rate increase option during the certificate term.
3.25% interest rate
Rate by balance
Rate by balance for Rate Boost Certificate Balance APY $100 – $25,000Your amount 3.30% $25,000 and up 3.40% Rate checked
More details - Prince George's Community Federal Credit UnionPot of Gold CertificateCD · 60 months · $0 min · 1.77%–3.30% by balance
Credit union · 4 branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Term is 60 months with financial goal between $3,000 and $20,000. Monthly or biweekly deposits must be set up automatically; no deposits allowed over the counter, via Audio or Home Banking. Paid the dividend rate applicable to the balance amount.
1.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Pot of Gold Certificate Balance APY Up to $2,500 1.77% $2,500 – $5,000 2.28% $5,000 – $7,500 2.79% $7,500 – $20,000Your amount 3.30% Rate checked
More details - USPS Federal Credit UnionMoney Market Add-On CertificateCD · 6 months · $5,000 min
Credit union · 2 branches
3.25%APY$161 over 6 months on $10,0003.20% interest rate · Balance cap $500,000
Rate checked
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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 Washington, DC-VA-MD-WV metro
1,176 CDs at 111 banks and credit unions · checked Oct 16–23
- Typical
- 3.30%
- Top 10% from
- 4.10%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.50%
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Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches