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 136–150 results
- 4.25%APY$644 over 18 months on $10,000
Requirements
Product: All certificates can be opened with just $500 (only $250 for minors). Offered at terms from 3 to 60 months. Dividends compound daily and are posted monthly to your certificate or savings account. Renewable with a 10-day grace period. Penalty for early withdrawal.
Offer: Renewable with a 10-day grace period. Penalty for early withdrawal.
4.16% interest rate · Effective Oct 14, 2026
Rate checked
More details - Midwest BankCentreTraditional CDsCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earning. Minimum balance of $1,000 to earn APY.
4.18% interest rate · Effective Oct 16, 2026
Rate checked
More details - FreeStar Financial Credit Union18-Month SpecialCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000with conditionsRequirements
Product: 18-Month Special: At maturity, the CD will be renewed into a 24-month CD. Special certificates will automatically renew on their maturity date. Members receive a 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Penalties for early withdrawal: 1 Year: 90 days of interest; 2 Years: 180 days of interest. Limited time offer subject to end at any time.
Qualified rate · 4.17% interest rate · Effective Oct 15, 2026
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More details - COMTRUST Federal Credit UnionCertificates of Deposit (CDs)CD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Certificate requires $1,000 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. Federally insured up to $250,000 by NCUA. Opening a CD online is available to existing members; new members can open an account online and add a certificate once membership is established.
Offer: Annual Percentage Yield is based on monthly compounding. Penalty for early withdrawal. Automatically renews at the end of the term.
4.17% interest rate
Rate checked
More details - FORUM Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Minimum $500 required to open. Early withdrawal penalties apply. Rates subject to change without notice.
Offer: Early withdrawal penalties apply.
4.16% interest rate · Effective Oct 1, 2026
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More details - Energy Credit UnionCertificate of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.17% interest rate · Effective Oct 12, 2026
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More details - Bristol County Savings BankPRIME TIME™ Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000with conditionsRequirements
Product: Must maintain a Prime Time Checking account to be eligible for product. An early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Must maintain a Prime Time Checking account.
Qualified rate · 4.16% interest rate · Effective Oct 13, 2026
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More details - Greater Alliance Federal Credit UnionShare Certificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Membership at credit union requires a savings account with $100 minimum balance to earn interest. $500 minimum deposit required to open. Early withdrawal penalty applies (90 days dividends for term 1 year or less; 180 days dividends for term greater than 1 year). Dividends compounded daily and credited monthly.
4.16% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Archer Cooperative Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,0004.18% interest rate · Effective Oct 15, 2026
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More details - Class Act Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: Offers include terms from 91 days to 48 months and a 60-month Bump-Up Share Certificate allowing a one-time rate bump-up if rates improve. Rate effective 2026-10-15 and subject to change at any time.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
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More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
Offer: All balance tiers.
Compounded daily
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More details - Security National Bank of South DakotaCertificates of Deposit (Dakota Dunes)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Dakota Dunes location.
4.21% interest rate
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More details - Security National Bank of South DakotaTraditional CD (Sioux Falls)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Offer good for initial term only. Rates shown for Sioux Falls location.
Promotional rate · 4.21% interest rate
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More details - Tennessee Valley Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Early withdrawals may incur penalties. No setup or maintenance fees.
Offer: A penalty applies for early withdrawal.
4.18% interest rate
Rate checked
More details - Pittsford Federal Credit UnionCertificatesCD · 18 months · $50 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Dividends compounded and credited monthly to regular share account. Early withdrawal penalty applies: lesser of dividends since issuance/renewal or 90 days dividends for terms under 24 months; lesser of dividends since issuance/renewal or 180 days dividends for terms 24 months or greater.
4.25% interest rate · Balance cap $89,999.99 · Effective Oct 7, 2026
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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 18-month CDs pay nationwide
3,156 CDs at 2,800 banks and credit unions · checked Oct 16–23
- Typical
- 3.24%
- Top 10% from
- 4.08%
- Banks, typical
- 2.90%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank