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 1–15 results in Waterbury, CT metro
- Skyline Financial Federal Credit Union7-Month Promotional Share CertificateCD · 7 months · $500 min
Credit union · 1 branch
5.00%APY$289 over 7 months on $10,000intro rateRequirements
Product: Must bring money not already on deposit at Skyline Financial Federal Credit Union. Minimum deposit is $500.00 to get started, with no cap on deposit amount. Upon maturity, the certificate will mature into a term of 6 months at the current rate published at the time of maturity. 7 day grace period. Certificate early withdrawal penalty is 90 days of interest.
Offer: Requires funds not already on deposit at Skyline Financial Federal Credit Union.
Promotional rate
Rate checked
More details - Nutmeg State Financial Credit UnionShare CertificatesCD · 14 months · $1,000 min
Credit union · 2 branches
4.60%APY$539 over 14 months on $10,000Requirements
Product: Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.
Offer: Promotional Rate. At maturity, rolls into a 12-month non-promotional certificate at the then-current rate. Minimum deposit is $1,000 per member on new money only (not available for funds withdrawn from existing Nutmeg savings or certificate accounts). Online enrollment only. Cannot be combined with other offers.
4.51% interest rate · Effective Oct 19, 2026
Rate checked
More details - Skyline Financial Federal Credit Union18-Month Promotional CDCD · 18 months · $500 min
Credit union · 1 branch
4.35%APY$660 over 18 months on $10,000intro rateRequirements
Product: Minimum deposit to open and earn APY is $500. Dividends are compounded and credited monthly. For certificate accounts, the dividend rate and APY are fixed for the term of the account. A withdrawal of dividends will reduce earnings. Upon maturity the account will renew to a regular 12-month certificate account at the rate in effect at that time. 7 days grace period after maturity to withdraw funds without penalty. Limited time promotion.
Offer: Existing members. Dividend rate is 4.267%.
Promotional rate · 4.27% interest rate · Effective Aug 28, 2026
Rate checked
More details - 4.28%APY$2,332 over 60 months on $10,000
Requirements
Product: Minimum Balance for all share certificates is $1,000 and is required to earn the stated APY. Dividends compounded monthly. Penalty will be imposed for early withdrawal.
4.20% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - FD Community Federal Credit UnionShare CertificatesCD · 9 months · $500 min
Credit union · 3 branches
4.25%APY$317 over 9 months on $10,000Requirements
Product: Certificate terms from 6 months to 5 years. Minimum $500 to open. Rates subject to change at any time. Early withdrawal penalties apply.
Offer: $500 minimum, dividends compounded monthly. Early withdrawal penalty = 90 days dividend.
4.16% interest rate · Compounded monthly
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: Interest is compounded daily or from day of deposit to day of withdrawal and credited monthly. Substantial interest penalty for early withdrawal. Premium CDs must be opened with new money (money not currently on deposit with Torrington Savings Bank).
Offer: Premium CD; must be opened with new money (money not currently on deposit with Torrington Savings Bank). Early withdrawal penalty is 3 months simple interest.
4.16% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty applies. Minimum opening deposit $500; minimum balance to earn APY $500. Maximum deposit $250,000.00. Account owner under 16 must be joint with parent/guardian. Fees could reduce earnings.
Offer: 13-Month CD Special. Promotional rate is for consumer accounts only; not available for trusts or IRA CDs. Automatically renews to a 1-Year CD at maturity. Maximum deposit $250,000.00. Early withdrawal penalty applies.
Promotional rate · 4.17% interest rate · Balance cap $250,000 · Effective Oct 14, 2026
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More details - America's First Network Credit UnionShare CertificatesCD · 15 months · $500 min
Credit union · 1 branch
4.25%APY$534 over 15 months on $10,000intro rateRequirements
Offer: Limited time certificate special
Promotional rate · 4.18% interest rate · Effective Oct 1, 2026
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More details - 4.20%APY$747 over 21 months on $10,000
Requirements
Product: There is no monthly service charge. Guaranteed interest rate for the term of the CD. Interest credited monthly. Principal withdrawn before maturity subject to early withdrawal penalty, unless taking a distribution from an IRA. CDs automatically renew at maturity with a 10-day grace period.
Offer: Limited time only and subject to change without notice.
4.12% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.07%APY$442 over 13 months on $10,000intro rate
Requirements
Product: Promotional CD special rates. $1,000 min opening deposit. Max deposit $750,000 branch / $100,000 online. No monthly service charge. Early withdrawal penalty applies.
Offer: 13-Month Promo. Renewal term is 12 months. Minimum balance to earn APY is $0.01.
Promotional rate · 4.00% interest rate
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Rates are subject to change without notice. Early withdrawal of a Certificate will incur a penalty. Fees may reduce earnings.
3.93% interest rate · Effective Jan 13, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Certificate of Deposit Specials (No Bonus Rate). Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.
Offer: Fixed until maturity. Substantial penalty for early withdrawal.
3.87% interest rate · Effective Oct 3, 2026
Rate checked
More details - Greater Waterbury Healthcare Federal Credit UnionShare CertificateCD · 9 months
Credit union · 1 branch
4.00%APY$299 over 9 months on $10,0004.00% interest rate · Effective Jul 16, 2026
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More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.
Offer: Fixed until maturity. Substantial penalty for early withdrawal.
3.87% interest rate · Effective Oct 3, 2026
Rate checked
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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 Waterbury, CT metro
280 CDs at 24 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.50%
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Waterbury, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MSCUCredit union · 3 branches
- Police Credit Union of CTCredit union · 1 branch
- CSE Credit UnionCredit union · 1 branch