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 Elkhart, IN
- 4.75%APY$804 over 20 months on $10,000
Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
Offer: 20 Month Special
4.65% interest rate
Rate checked
More details - 4.47%APY$562 over 15 months on $10,000intro rate
Requirements
Product: Must be an Everwise member ($5 initial Share deposit required). Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Offer: Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500.
Promotional rate · 4.38% interest rate · Effective Oct 1, 2026
Rate checked
More details - Chiphone Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · 3 branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.26% interest rate · Compounded daily · Effective Sep 24, 2024
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Offer: Dividends paid at end of each month.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - Notre Dame Federal Credit UnionStandard CertificateCD · 24–35 months · $0 min
Credit union · 1 branch
4.25%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - First State Bank9-Month Certificate of Deposit SpecialCD · 9 months · $5,000 min · 4.00%–4.10% by balance
Bank · 2 branches
4.10%APY$306 over 9 months on $10,000intro ratePromotional rate · 3.94% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 9-Month Certificate of Deposit Special Balance APY $5,000 and up 4.00% $10,000 and upYour amountRequires new funds not currently on deposit with First State Bank. 4.10% Rate checked
More details - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.05%APY$2,690 over 72 months on $10,000
Requirements
Product: Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.
3.98% interest rate
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
Offer: Special rate; limited time only, rate subject to change.
Compounded annually · Balance cap $5,000,000 · Effective Oct 14, 2026
Rate checked
More details - 3.90%APY$423 over 13 months on $10,000with conditions
Requirements
Product: Requires having or opening a Lake City Bank checking account. Deposits and withdrawals not allowed. Penalty for early withdrawal.
Offer: Requires checking account. Penalty for early withdrawal.
Qualified rate · Effective Oct 4, 2026
Rate checked
More details - 3.75%APY$248 over 8 months on $10,000intro rate
Requirements
Product: Rates may vary by market. Personal deposits accepted online; visit branch or call for business deposits. Penalty for early withdrawal. Funds must be received within 7 days to receive current rate.
Offer: New money (funds not on deposit with Centier Bank in the last 90 days).
Promotional rate · 3.68% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - First Federal Savings Bank2 Year / 2 Option Certificate of DepositCD · 24 months · $500 min
Bank · 1 branch
3.55%APY$723 over 24 months on $10,000Requirements
Product: Make two additional deposits of $1,000 or more anytime without extending maturity date. Raise the interest rate one time during the term to the current 2 Year 2 Option rate. Penalty for early withdrawal except credited interest.
3.50% interest rate · Effective Feb 9, 2026
Rate checked
More details - First Federal Savings Bank18-Month Flexible Certificate of DepositCD · 18 months · $500 min
Bank · 1 branch
3.44%APY$520 over 18 months on $10,000Requirements
Product: Make additional deposits of $100 or more anytime without extending maturity date. Penalty for early withdrawal except credited interest.
3.40% interest rate · Effective Feb 9, 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 Elkhart, IN
202 CDs at 14 banks and credit unions · checked Oct 15–22
- Typical
- 2.25%
- Top 10% from
- 4.12%
- Banks, typical
- 1.38%
- Credit unions, typical
- 4.00%
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Elkhart, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityWide Federal Credit UnionCredit union · 2 branches
- EverenceCredit union · 2 branches
- Everwise Credit UnionCredit union · 4 branches