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 106–120 results in Washington, DC-VA-MD-WV metro
- 3.75%APY$343 over 11 months on $10,000with conditions
Requirements
Product: Standard CDs have a $500 minimum opening deposit. Specials require a $5,000 minimum deposit, relationship eligibility, and are available to current City customers only.
Offer: Relationship special. Available to current City customers only with one of: 1 year+ checking or savings account, a money market account, a new checking with direct deposit, or a loan.
Qualified rate · 3.70% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
Effective Oct 22, 2026
Rate checked
More details - Andrews Federal Credit UnionJumbo Fixed Rate Share CertificatesCD · 12 months · $10,000 min
Credit union · 7 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply.
3.70% interest rate
Rate checked
More details - 3.75%APY$535 over 17 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-time offer. No minimum balance to obtain the stated APY. Guaranteed fixed return.
Promotional rate
Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Interest rate is fixed for the full term and earned on the entire balance. Interest compounds quarterly for terms of 12 months and longer; shorter terms pay at maturity. Early withdrawal penalty applies: 7-91 days: 60 days loss of interest; 92-182 days: 182 days loss of interest; 183 to <60 months: 1 year loss of interest; 60 months: 2 years loss of interest.
Offer: 18-Month term.
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal on certificate accounts. Fees could reduce earnings.
3.69% interest rate · Effective Oct 8, 2026
Rate checked
More details - 3.72%APY$372 over 1 year on $10,000
Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty is 90 days dividends. Fixed rate for initial term. Automatic renewal with a 7-day grace period. Requires credit union membership (1 share at $10.00 par value).
Offer: Dividends compounded and credited quarterly. Automatically renewable.
3.70% interest rate · Compounded quarterly · Effective Sep 1, 2026
Rate checked
More details - Andrews Federal Credit UnionFixed Rate Share CertificatesCD · 12 months · $1,000 min
Credit union · 7 branches
3.70%APY$370 over 1 year on $10,000Requirements
Product: Must open and maintain a minimum $1,000 balance to earn advertised APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - Topside Federal Credit UnionPick-A-Term CertificateCD · 12 months · $100 min · 3.70%–3.80% by balance
Credit union · 2 branches
3.70%APY$370 over 1 year on $10,000Requirements
Product: Dividends paid at maturity for certificates less than 12 months; compounded and paid quarterly on 1 to 10 year certificates. $100 minimum balance to open and earn APY. Early withdrawal penalties apply.
3.65% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Pick-A-Term Certificate Balance APY $100 – $25,000Your amount 3.70% $25,000 and up 3.80% Rate checked
More details - Spectra Credit UnionTraditional Share CertificatesCD · 12 months · $500 min
Credit union · 3 branches
3.70%APY$370 over 1 year on $10,000Requirements
Product: Minimum balance required to open and earn stated dividends is $500. A penalty may be imposed for early withdrawal.
3.64% interest rate
Rate checked
More details - Arlington Community Federal Credit UnionNo-Penalty CertificateCD · 15 months · $500 min
Credit union · 4 branches
3.70%APY$465 over 15 months on $10,000with conditionsRequirements
Product: No penalty when balance is withdrawn anytime during the term. Not eligible for IRA certificates. Automatic renewal options available. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher with Relationship Rewards at Platinum level (combined monthly household average balances $50,000+).
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - Andrews Federal Credit UnionRaise Your Rate Share CertificateCD · 24 months · $1,000 min
Credit union · 7 branches
3.70%APY$754 over 24 months on $10,000Requirements
Product: Offers up to a maximum of 3 opportunities to request a rate raise to the current Fixed Rate Share Certificate rate of the same term. Account must be opened for at least 6 months before first rate raise, and at least 6 months between raises. Minimum $1,000 deposit and balance. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - 3.67%APY$121 over 4 months on $10,000
Requirements
Product: $1,000 minimum to open. Early withdrawal penalties may be imposed. CDs do not have a maximum balance limit.
3.60% interest rate · Effective Oct 5, 2026
Rate checked
More details - AFL-CIO Employees Federal Credit UnionRegular Share CertificateCD · 8 months · $500 min
Credit union · 1 branch
3.66%APY$243 over 8 months on $10,000Requirements
Product: Rates are fixed for the term of the certificate. Dividends are compounded and credited quarterly. Penalty may be imposed for early withdrawal.
Offer: Minimum to earn APY is $100.01.
Effective Aug 1, 2026
Rate checked
More details - 3.66%APY$366 over 1 year on $10,000
Requirements
Product: Open for $250 and deposit a minimum of $50 whenever you can. Compounded daily and credited monthly. Penalty for early withdrawal before maturity.
Offer: May add a minimum of $50 at any time during the term. Compounded daily and credited monthly. Early withdrawal penalty applies.
3.60% interest rate · Compounded daily · Effective Oct 1, 2025
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