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 46–60 results in Washington, DC-VA-MD-WV metro
- 4.10%APY$445 over 13 months on $10,000
Requirements
Product: $500 required to open a Certificate of Deposit, $100 for add-on CD, $100,000 for jumbo CD. Early withdrawal penalty may apply. Membership eligibility required.
4.04% interest rate · Effective Aug 26, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $500 Minimum Opening Balance. Dividends are Compounded/Credited Quarterly on Regular Share Certificate terms. Term Certificate accounts may be subject to penalties for early withdrawal.
Offer: 13 Months Share Certificate promotional offer. Limited to two per member. Dividends posted quarterly. Not available for the Earn More rate. Accurate as of August 1, 2026. At renewal, balances under $50,000 renew into 12 month Share Certificate; balances $50,000 or more renew into 12 month Mini-Jumbo Share Certificate.
Promotional rate · Balance cap $250,000 · Effective Aug 1, 2026
Rate checked
More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 11 branches
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 48 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - Healthcare Systems Federal Credit UnionShare CertificateCD · 30 months · $1,000 min · 4.00%–4.10% by balance
Credit union · 3 branches
4.10%APY$1,057 over 30 months on $10,000Requirements
Product: Dividends compounded daily, credited quarterly. Early withdrawal penalty may be imposed. Bump-up option available for 36-month term or longer to increase rate once to current published equivalent term rate.
Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 4.00% $10,000 and upYour amount 4.10% Rate checked
More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).
Offer: Early withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Partners 1st Federal Credit UnionJumpStart Term SavingsCD · 24 months · $0 min
Credit union · 1 branch
4.07%APY$831 over 24 months on $10,000Requirements
Product: JumpStart Term Savings is a 24-month Share Certificate. No starting deposit allowed. Maximum $200 automatic weekly deposit. Minimum $5 monthly deposits. Upon maturity, certificate will renew as a standard 24-month term share certificate at current rate. Early redemption penalty equals forfeiture of 180 days earnings. Dividends earned daily and paid monthly.
Offer: No starting deposit allowed. Maximum $200 automatic weekly deposit; minimum $5 monthly deposits. Early redemption penalty equals forfeiture of 180 days earnings.
4.00% interest rate
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - 4.06%APY$441 over 13 months on $10,000with conditions
Requirements
Product: Limited-time special. Minimum deposit of $1,000 required. Additional 0.25% rate increase (earning 4.06% APY) available when paired with a qualifying F&M Bank primary checking account (Money Market Accounts do not qualify). Early withdrawal penalties may apply.
Offer: Requires pairing with a qualifying F&M Bank primary checking account. Money Market Accounts do not qualify.
Qualified rate · Effective Oct 5, 2026
Rate checked
More details - Cedar Point Federal Credit Union13 Month Special Certificate OfferCD · 13 months · $1,000 min
Credit union · 1 branch
4.06%APY$441 over 13 months on $10,000intro rateRequirements
Product: Cannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews to corresponding regular 12-month certificate rate and term. APY assumes reinvestment at same term for 12 months.
Offer: Cannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews for 12 months. APY assumes reinvestment at same term for 12 months.
Promotional rate · 4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
Rate checked
More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate checked
More details - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited monthly for terms 1 year or more. Fixed rate.
Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.05%APY$509 over 15 months on $10,000
Requirements
Product: Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.
Offer: Dividends are compounded and credited quarterly and at maturity.
Effective Oct 1, 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 16–22
- 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