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 181–195 results in Washington, DC-VA-MD-WV metro
- Money One Federal Credit UnionCertificatesCD · 12 months · $1,000 min · 1.98%–2.28% by balance
Credit union · 1 branch
2.08%APY$208 over 1 year on $10,000Requirements
Product: Dividends for 6-month certificates are credited and compounded at maturity with a $10,000 minimum deposit to open. Other certificate dividends are compounded and credited monthly with a $1,000 minimum deposit to open. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $9,999 1.98% $10,000 – $49,999Your amount 2.08% $50,000 – $99,999 2.18% $100,000 and up 2.28% Rate checked
More details - Department of Commerce Federal Credit UnionShare CertificatesCD · 48–59 months · $500 min
Credit union · 1 branch
2.08%APYRequirements
Product: Initial deposits as low as $500. No monthly service fees. No additional funds may be deposited during the certificate term. Early withdrawal penalties apply (90 days interest for 6-11 month maturities; 180 days interest for 12-84 month maturities). Dividends deposited/credited monthly. 10-day grace period following maturity date. Insured up to $250,000 by NCUA.
2.05% interest rate · Effective Apr 1, 2022
Rate checked
More details - 2.02%APY$185 over 11 months on $10,000
Requirements
Product: Allows adding to the CD balance at any time. Early withdrawal penalty may be imposed. Fixed interest rate for the specified term.
2.00% interest rate · Effective Aug 3, 2026
Rate checked
More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Open at nearest United Bank branch. Minimum opening deposit is $500.
Offer: Open at nearest United Bank branch.
Rate checked
More details - 1.99%APY
Requirements
Product: Variable rate share certificate. Dividends compounded and paid quarterly. Deposit made by weekly payroll distribution or automated funds transfer. Opening deposit must equal contracted deposit amount. Penalty for early withdrawal of any funds before maturity.
Offer: Minimum $25/week deposit by payroll distribution or automated funds transfer.
1.97% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1.90%APY
Requirements
Product: This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Rate subject to change. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
1.89% interest rate · Effective Oct 15, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 118 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - D.C. Teachers' Federal Credit UnionShare CertificatesCD · 12 months · $10,000 min
Credit union · 1 branch
1.74%APY$174 over 1 year on $10,000Requirements
Product: Minimum deposit of $500. Dividends are compounded quarterly and paid quarterly. Penalty for early withdrawal. Certificates automatically renew with notice at least 30 days prior to maturity. Membership requires $50 par value in regular shares.
1.74% interest rate · Compounded quarterly · Effective Oct 20, 2026
Rate checked
More details - 1.65%APY$677 over 48 months on $10,000
Requirements
Product: Certificates require a deposit of $500.00 or more. Early withdrawal penalty of $100.00 or 3 months dividends, whichever is greater. Dividends are compounded and paid quarterly; funds must remain in account until end of quarter to earn dividends. Rates subject to change without notice.
1.64% interest rate
Rate checked
More details - 1.55%APY$799 over 60 months on $10,000
Requirements
Product: Interest accrues daily and compounds quarterly if added to the CD balance. Early withdrawal penalties apply. CD interest can be added to the CD balance, deposited into another First Bank account, or paid by check.
1.55% interest rate · Effective Sep 30, 2026
Rate checked
More details - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.
Effective Sep 24, 2026
Rate checked
More details - 1.15%APY$590 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty of 90 days or accrued interest if withdrawn in less than 90 days; principal is preserved. Fees may reduce earnings. Rates subject to change without notice.
1.15% interest rate · Effective Apr 18, 2023
Rate checked
More details - Transit Employees Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · 1 branch
0.95%APY$484 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; penalty will or may be imposed for early withdrawal (1 quarter's dividend after 7 days); automatically renews at the same term at prevailing rate; no maintenance fees. Membership eligibility required.
0.95% interest rate · Effective Jun 2, 2026
Rate checked
More details - Andrews Federal Credit UnionGenerator Share CertificateCD · 36 months · $50 min
Credit union · 7 branches
0.75%APY$227 over 36 months on $10,000Requirements
Product: Unlimited deposits: add funds anytime during term in branch, via automatic direct deposits, and online (transfers from another share). Minimum $50 deposit to open and maintain balance to earn advertised APY. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $50 balance to earn advertised APY. Unlimited deposits allowed anytime during term. Early withdrawal penalties apply.
0.75% interest rate
Rate checked
More details - Transit Employees Federal Credit UnionSAYGo CertificateCD · 12 months · $25 min
Credit union · 1 branch
0.45%APY$45 over 1 year on $10,000Requirements
Product: Additional deposits required through Electronic Funds Transfer (EFT) and other onetime deposits are allowed at any point during the 12-month term; minimum balance to start is $25; dividends compounded and credited quarterly; dividend period calendar month; balance method average daily balance; penalty will or may be imposed for early withdrawal.
Offer: Minimum balance to start is $25; additional deposits required through EFT and other onetime deposits allowed during term.
0.45% interest rate
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