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 Ridgeland, MS
- 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: Promotional Annual Percentage Yields (APY) are available for new money only. IRA CDs are not eligible for certificate specials. Early withdrawals subject to penalty (loss of 30 days interest for 8 and 12 month certificates; loss of 90 days interest for 18 month certificates). Dividend rate for renewed term determined at maturity date.
Offer: Promotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 30 days interest. IRA CDs not eligible.
Promotional rate · Effective Nov 18, 2024
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 - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Product: Dividends are compounded monthly and posted monthly. All certificates are set to auto renew. Early withdrawal penalty applies (90 or 180 days).
Offer: Early withdrawal penalty: 90 days. Dividends compounded and posted monthly. Auto renews.
3.50% interest rate · Compounded monthly · Effective Dec 31, 2025
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 - Keesler Federal Credit UnionShare Certificate AccountsCD · 18 months · $1,000 min
Credit union · 1 branch
3.25%APY$491 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Ten-day grace period renewal at maturity.
3.21% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.40%APY$720 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fixed rate. Once opened, no additional deposits. MEFCU offers rate match under specific conditions.
Offer: Fixed rate. Minimum earning balance $1,000.
1.29% interest rate · Effective Oct 1, 2025
Rate checked
More details - 0.75%APY$303 over 48 months on $10,000intro rate
Requirements
Product: Promotional Annual Percentage Yields (APY) are available for new money only. Early withdrawals are subject to penalties (3, 6, and 12 month certificates subject to loss of 30 days interest; 18, 24, and 30 month certificates subject to loss of 90 days interest). Dividend rate for renewed term determined at maturity date.
Offer: Promotional APY available for new money only. Requires $1,000 minimum balance to open.
Promotional rate · Effective Feb 8, 2023
Rate checked
More details - 0.55%APY$278 over 60 months on $10,000
Requirements
Product: Interest rate is variable and subject to change at the discretion of the Bank. Fees may reduce earnings on the account. An early withdrawal penalty may apply.
Offer: Interest Credited: Quarterly
Effective Oct 4, 2026
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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Ridgeland, MS
148 CDs at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.50%
- Top 10% from
- 3.55%
- Banks, typical
- 0.25%
- Credit unions, typical
- 1.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Jackson, MS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- RiverLand Federal Credit UnionCredit union · 1 branch
- Keesler Federal Credit UnionCredit union · 6 branches
- Veritas Federal Credit UnionCredit union · 1 branch