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 Reno, NV
- 4.55%APY$2,492 over 60 months on $10,000intro rate
Requirements
Product: Share Savings with a minimum balance and membership eligibility is required. Early withdrawals are subject to penalty. No setup or monthly maintenance fees.
Offer: Penalty may be imposed for withdrawals prior to maturity.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
4.41% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.30%APY$2,343 over 60 months on $10,000
Requirements
Product: Fixed rate for the term. Dividends credited and compounded monthly unless otherwise paid. Non-compounding Certificates available at reduced rates and APYs. Penalty for early withdrawal.
4.22% interest rate · Compounded monthly · Effective Oct 1, 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 - 4.24%APY$866 over 24 months on $10,000
Requirements
Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.
Offer: Includes one-time rate bump option during certificate term.
4.16% interest rate · Effective Jul 9, 2026
Rate checked
More details - 4.10%APY$237 over 7 months on $10,000
Requirements
Product: Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: 7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - Farm Bureau BankCertificate of Deposit [CD]CD · 12 months · $1,000 min · 4.00%–4.10% by balance
Bank · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.92% interest rate · Compounded daily
Rate by balance
Rate by balance for Certificate of Deposit [CD] Balance APY $1,000 – $49,999Your amount 4.00% $50,000 and upJumbo CD tier. 4.10% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Farm Bureau BankCD with Step-Up OptionCD · 12 months · $1,000 min · 3.65%–3.75% by balance
Bank · 1 branch
3.65%APY$365 over 1 year on $10,000Requirements
Product: Allows for a one-time rate increase to a Step-Up CD of the same term. Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.59% interest rate · Compounded daily
Rate by balance
Rate by balance for CD with Step-Up Option Balance APY $1,000 – $49,999Your amount 3.65% $50,000 and upJumbo CD tier. 3.75% Rate checked
More details - Great Basin Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · 3 branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Share Certificates automatically renew upon maturity for the same term at current rates. Dividends paid quarterly; subject to early withdrawal penalties.
3.55% interest rate · Effective Aug 24, 2026
Rate checked
More details - Great Basin Federal Credit UnionPayday CertificateCD · 12–Unknown months · $250 min
Credit union · 3 branches
3.50%APYRequirements
Product: Requires minimum term of 1 year with monthly contributions of $25. Certificate dividends paid quarterly; subject to early withdrawal fee/penalties.
Offer: Requires $25 monthly contributions. Minimum 1-year (12-month) term.
3.46% interest rate · Effective Aug 24, 2026
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
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 Reno, NV
262 CDs at 17 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 4.10%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.89%
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Find your bank or credit union to see all its rates and how they compare near you.
Reno, NV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Greater Nevada Credit UnionCredit union · 7 branches
- Mountain America Credit UnionCredit union · 2 branches