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 1–12 results in Muncie, IN
- 4.35%APY$472 over 13 months on $10,000
Requirements
Product: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
Offer: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen.
4.27% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - Thrive Credit UnionSpecial Rate Share CertificatesCD · 32 months · $500 min
Credit union · 2 branches
4.16%APY$1,148 over 32 months on $10,000Requirements
Product: Limited time offer. Dividends posted monthly are subject to change without notice. All rates subject to change at discretion of Board of Directors.
Offer: Dividends posted monthly.
4.10% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.10%APY$2,225 over 60 months on $10,000
Requirements
Product: Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.
Offer: Dividends posted monthly.
4.10% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - Prime Trust Financial Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 4 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: No monthly service or origination fees. Early withdrawal penalty may apply. Consumer & Share Certificates receive an additional 0.25% for direct deposit where eligible.
Offer: No rate bump available. Early withdrawal penalty may apply.
3.92% interest rate · Effective Jan 5, 2026
Rate checked
More details - Prime Trust Financial Credit UnionSpecial Share CertificatesCD · 9 months · $1,000 min
Credit union · 4 branches
3.90%APY$291 over 9 months on $10,000Requirements
Product: No monthly service or origination fees. Penalties may be imposed for early withdrawal.
Offer: Not eligible for Direct Deposit discount. Early withdrawal penalty may apply.
3.83% interest rate · Effective Jan 5, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
Offer: Early withdrawal penalty is 30 days' dividends.
3.68% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$471 over 15 months on $10,000with conditions
Requirements
Product: APY quoted requires an active STAR checking relationship. Penalty may apply for early withdrawal. APYs can change at any time.
Offer: APY quoted requires an active STAR checking relationship. Compound frequency monthly. Penalty may apply for early withdrawal.
Qualified rate · Effective May 27, 2026
Rate checked
More details - 3.51%APY$1,883 over 60 months on $10,000
Requirements
Product: Minimum balance of $500. Rates subject to change without notice.
3.45% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY$0 over 0.4667 months on $10,000
Requirements
Product: STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Penalty may apply for early withdrawal. APYs can change at any time.
Offer: Requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Compound frequency at maturity. Penalty may apply for early withdrawal.
Effective May 27, 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 Muncie, IN
132 CDs at 8 banks and credit unions · checked Oct 15–16
- Typical
- 2.00%
- Top 10% from
- 3.80%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.43%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Muncie, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Indiana Members Credit UnionCredit union · 1 branch
- Thrive Credit UnionCredit union · 3 branches
- First County FCUCredit union · 2 branches