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 151–165 results in Washington, DC-VA-MD-WV metro
- Topside Federal Credit Union1 Year Add-On CertificateCD · 12 months · $100 min
Credit union · 2 branches
3.25%APY$325 over 1 year on $10,000Requirements
Product: Start with $100 and add funds anytime during the 12-month term. Fixed rate on the entire balance. Dividends compound daily and are paid at maturity. Automatically renews as a new 1-Year Add-On Certificate.
Offer: Dividends compounded daily and paid in full at maturity.
3.21% interest rate · Compounded daily
Rate checked
More details - 3.25%APY$1,007 over 36 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 18 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - Prince George's Community Federal Credit UnionBump-Up Share CertificateCD · 36 months · $1,000 min
Credit union · 4 branches
3.20%APY$991 over 36 months on $10,000Requirements
Product: Features a Rate Increase Option allowing a one-time increase to interest rate and APY during the term without extending the maturity date. Accrues dividends from day of deposit and credits quarterly on the last day of each calendar quarter.
3.15% interest rate · Effective Oct 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 - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - OAS Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 3.05%–3.10% by balance
Credit union · 1 branch
3.05%APY$305 over 1 year on $10,000Requirements
Product: Fixed dividend rate. Early withdrawal penalties apply. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period. No monthly service fees. NCUA insured up to $250,000.
Offer: Early withdrawal penalty applies. Dividends compounded daily, credited quarterly or at maturity. Auto-renews at maturity with a 10-day grace period.
Compounded daily
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.05% $100,000 and upJumbo rate for deposits of $100,000 or more. 3.10% Rate checked
More details - OAS Federal Credit UnionRegular Share CertificatesCD · 12 months · $500 min · 3.05%–3.10% by balance
Credit union · 1 branch
3.05%APY$305 over 1 year on $10,000Requirements
Product: Fixed dividend rate. Early withdrawal penalty applies. Dividends compounded daily, credited quarterly. Auto-renews at maturity with a 10-day grace period. No monthly service fees.
Offer: Dividend rate 3.00%. Compounded daily, credited quarterly. Early withdrawal penalty may apply.
3.00% interest rate · Compounded daily
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $500 and upYour amount 3.05% $100,000 and upJumbo rate. Dividend rate 3.05%. 3.10% Rate checked
More details - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 1 branch
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
Rate checked
More details - 3.03%APY$616 over 24 months on $10,000
Requirements
Product: No dividends are paid on balances that fall below account minimum balance requirements. Early withdrawal penalties apply to dividends only and do not reduce principal balance (penalty is between 5 and 90 days of simple interest on amount withdrawn).
Offer: Minimum opening deposit: $500.
3.00% interest rate
Rate checked
More details - WSSC Federal Credit Union9 Month Add-on CertificateCD · 9 months · $100 min
Credit union · 3 branches
3.03%APY$226 over 9 months on $10,000Requirements
Product: Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.
Offer: Fixed Rate. Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.
3.00% interest rate · Effective Apr 29, 2026
Rate checked
More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
2.96% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.00%APY$275 over 11 months on $10,000
Requirements
Product: Required minimum deposit of $500. No penalty imposed for the first withdrawal during term; subsequent withdrawals may impose a penalty (lesser of dividends earned since issuance/renewal or 180 days dividends). 10-day grace period following maturity date. Not available as an IRA certificate.
Offer: One no-penalty withdrawal permitted during the term.
Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Rates subject to change daily and fixed for term. Dividends calculated daily, paid and compounded quarterly and at maturity. Early withdrawal penalty applies.
2.97% interest rate · Compounded quarterly · Effective Oct 3, 2026
Rate checked
More details - 3.00%APY$954 over 37 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Renews as a 37-month CD at current board rate. Limited time offer.
Offer: Limited time offer. Renews as a 37-month CD at the current board rate. Penalty for early withdrawal may apply.
Promotional rate · Effective Sep 21, 2026
Rate checked
More details - BankFund Credit UnionExtended Term Share CertificateCD · 84 months · $1,000 min
Credit union · 4 branches
3.00%APY$2,299 over 84 months on $10,000Requirements
Product: Rates subject to change daily and fixed for term. Dividends calculated daily, paid and compounded quarterly and at maturity. Early withdrawal penalty applies.
2.97% interest rate · Compounded quarterly · Effective Oct 3, 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 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