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 166–180 results in Washington, DC-VA-MD-WV metro
- United States Senate Federal Credit UnionSmart Share CertificatesCD · 60 months · 2.99%–3.10% by balance
Credit union · 3 branches
2.99%APY$1,587 over 60 months on $10,000Requirements
Product: Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Higher returns for jumbo balances of $200,000 or more.
2.95% interest rate
Rate by balance
Rate by balance for Smart Share Certificates Balance APY Up to $99,999Your amount 2.99% $100,000 – $199,999 3.05% $200,000 and up 3.10% Rate checked
More details - 2.93%APY$1,225 over 48 months on $10,000
Requirements
Product: Fixed rate with option to bump up dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends compounded and paid monthly. Early withdrawal penalty may apply.
2.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - IDB Global Federal Credit UnionStep-Up CertificateCD · 48 months · $1,000 min
Credit union · 1 branch
2.90%APY$1,211 over 48 months on $10,000Requirements
Product: At your discretion, you may change the dividend rate on the account once during the life of the certificate if rates increase, as determined by the credit union board of directors. Account will not renew automatically at maturity. Must be a member of IDB Global Federal Credit Union.
Offer: Rate may be changed once during the term if rates increase.
2.86% interest rate · Effective Sep 22, 2025
Rate checked
More details - United States Senate Federal Credit UnionBump Rate Share CertificateCD · 60 months · $1,000 min · 2.89%–2.99% by balance
Credit union · 3 branches
2.89%APY$1,531 over 60 months on $10,000Requirements
Product: Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Not pledgeable as collateral for shared secured loans. One-time rate increase option during term.
Offer: Less than $99,999 balance tier. One-time bump option applicable.
2.85% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Rate Share Certificate Balance APY $1,000 – $99,999Your amount 2.89% $100,000 – $199,999 2.94% $200,000 and up 2.99% Rate checked
More details - 2.78%APY$278 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply. Standard CDs receive a 0.25% interest rate bump when paired with an accompanying qualifying F&M Bank primary checking account (Money Market Accounts do not qualify).
2.75% interest rate
Rate checked
More details - 2.78%APY$564 over 24 months on $10,000
Requirements
Product: Minimum to open is $1,000.00 and minimum to earn APY is $1,000.00. Early withdrawal penalty may apply. Membership required.
2.75% interest rate
Rate checked
More details - Advantage Financial Federal Credit UnionCertificatesCD · 60 months · $500 min · 2.69%–2.79% by balance
Credit union · 2 branches
2.69%APY$1,419 over 60 months on $10,000Requirements
Product: Dividends are fixed for the term of the certificate, declared, compounded and paid monthly based on average daily balance. Early withdrawal penalties may apply. No setup or maintenance fees.
2.65% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 2.69% $50,000 and upBonus Certificate rate tier 2.79% Rate checked
More details - 2.52%APY$252 over 1 year on $10,000
Requirements
Product: Allows one penalty-free withdrawal after six months. Penalty-free early withdrawal exception applies. Standard rate increase of 0.25% available with an accompanying primary checking account (Money Market Accounts do not qualify).
2.50% interest rate
Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - OAS Federal Credit UnionStep-Up Share CertificatesCD · 24 months · $2,500 min · 2.38%–2.43% by balance
Credit union · 1 branch
2.38%APY$482 over 24 months on $10,000Requirements
Product: The dividend rate in effect at opening is fixed for the term unless the account holder requests a rate increase after the certificate has been open for at least 12 months. Early withdrawal penalty may apply. Dividends compounded daily, credited quarterly.
Offer: Dividend rate 2.35%. Rate increase permitted one time after certificate has been open for at least 12 months. Compounded daily, credited quarterly.
2.35% interest rate · Compounded daily
Rate by balance
Rate by balance for Step-Up Share Certificates Balance APY $2,500 and upYour amount 2.38% $100,000 and upJumbo rate. Dividend rate 2.40%. 2.43% Rate checked
More details - Patriot Federal Credit Union9 Month No Penalty CertificateCD · 9 months · $10,000 min · 2.20%–2.30% by balance
Credit union · 1 branch
2.20%APY$165 over 9 months on $10,000Requirements
Product: Penalty for early withdrawal. Dividend earnings based on minimum tier balance.
Offer: Tier $10,000-$24,999.
Effective Sep 2, 2026
Rate by balance
Rate by balance for 9 Month No Penalty Certificate Balance APY $10,000 – $24,999Your amount 2.20% $25,000 – $99,999 2.20% $100,000 – $250,000 2.25% Over $250,000 2.30% Rate checked
More details - National Capital BankPlatinum Account Holders Certificates of DepositCD · 6 months · $1,000 min
Bank · 4 branches
2.18%APY$108 over 6 months on $10,000with conditionsRequirements
Product: For Platinum account holders. Rate is 0.10% higher than standard CD rates and may differ at renewal. Early withdrawal penalty and fees could reduce earnings. For Platinum Checking and ePlatinum Interest Checking, one penalty-free withdrawal up to $2,500 allowed under specified balance and time conditions.
Offer: Early withdrawal penalty: 90 days' simple interest.
Qualified rate · 2.16% interest rate · Effective Feb 19, 2026
Rate checked
More details - 2.14%APY
Requirements
Product: Time deposit with a fixed interest rate. Early withdrawal penalty may be imposed and may reduce earnings.
Offer: One Year (12 - 17 Months). Minimum balance to earn APY: None.
2.12% interest rate · Effective Oct 22, 2026
Rate checked
More details - 2.08%APY$103 over 6 months on $10,000
Requirements
Product: Fixed-rate terms ranging from 3 to 36 months. Interest is compounded and credited to the CD on a monthly basis. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty: 90 days' simple interest.
2.06% interest rate · Effective Feb 19, 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%
Is your bank paying you enough?
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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