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 151–165 results
- First National Bank in OlneyCertificates of DepositCD · 23 months · $500 min
Bank · Add a location to see nearby branches
4.59%APY$898 over 23 months on $10,000Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
4.50% interest rate · Effective Sep 15, 2026
Rate checked
More details - Ridgewood Savings Bank2-Year Treasury Indexed CDCD · 24 months · $100 min
Bank · Add a location to see nearby branches
4.59%APY$939 over 24 months on $10,000Requirements
Product: Adjustable/variable yield account with no cap and a 0.25% floor. Yield is based on the 2-Year U.S. Treasury Rate on quarterly dates (March 1, June 1, September 1, December 1 or next business day) plus 0.25%. Maximum individual deposit of $500,000. Upon maturity rolls over into a regular 2-year fixed-rate CD. Available for consumers only.
Offer: Variable yield based on the quarterly 2-year U.S. Treasury rate (yielding 4.34% as of August 31, 2026) plus 0.25%. No cap, 0.25% floor. Maximum individual deposit $500,000.
4.43% interest rate · Balance cap $500,000
Rate checked
More details - Putnam County State BankCertificates of DepositCD · 60 months · $500 min · 3.66%–4.70% by balance
Bank · Add a location to see nearby branches
4.59%APY$2,516 over 60 months on $10,000Requirements
Product: Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
3.60% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 3.66% $10,000 – $100,000Your amount 4.59% $100,000 and up 4.70% Rate checked
More details - Austin Capital BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.58%APY$113 over 3 months on $10,000Requirements
Product: Offered to residents of greater Austin. CDs available with maturities up to 18 months. Early withdrawal penalty applies for CDs not held to maturity.
Offer: Assumes no compounding, interest paid annually or at maturity. Early withdrawal penalty applies.
4.50% interest rate · Effective Sep 28, 2026
Rate checked
More details - Belton Federal Credit UnionCDCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$458 over 1 year on $10,000Balance cap $20,000
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More details - Davis TrustCertificates of DepositCD · 25 months · $10,000 min
Bank · Add a location to see nearby branches
4.58%APY$978 over 25 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Substantial penalty for early withdrawal.
4.50% interest rate · Effective Oct 22, 2026
Rate checked
More details - 1st MidAmerica Credit UnionShare CertificatesCD · 35 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$1,395 over 35 months on $10,000intro rateRequirements
Product: Early withdrawal on share certificates may affect dividends earned.
Offer: 35 Month *Special*
Promotional rate · 4.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - Educational Community Alliance CUShare CertificateCD · 48 months
Credit union · Add a location to see nearby branches
4.58%APY$1,962 over 48 months on $10,000Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.50% interest rate · Effective Dec 31, 2024
Rate checked
More details - State Savings BankCertificate of DepositCD · 55 months · $2,000 min · 4.37%–4.58% by balance
Bank · Add a location to see nearby branches
4.58%APY$2,278 over 55 months on $10,000Requirements
Product: Deposit accounts are only available to residents of Iowa in Polk, Jasper, and surrounding counties. Substantial penalty for early withdrawal. Interest compounds quarterly. CD Rate Advantage: Once during the term, you may exchange your interest rate for the current 48-month CD rate. The new rate will equal the rate of the applicable tier based on your CD balance.
Offer: 55 Month Special Flex
4.50% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,000 – $245,000Your amount 4.58% Over $245,000 4.37% Rate checked
More details - Citizens National BankCertificates of DepositCD · 61 months · $2,500 min
Bank · Add a location to see nearby branches
4.58%APY$2,556 over 61 months on $10,000Requirements
Product: Rates may change without notice. Deposit Account Fee charged may affect the rate and annual percentage yield. Fees could reduce the earnings on the account.
Offer: CD Special
4.50% interest rate · Effective Oct 15, 2026
Rate checked
More details - Hometown Credit UnionShare CertificatesCD · 72 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$3,083 over 72 months on $10,000Requirements
Product: Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
Offer: Special offer. Early withdrawal penalty: 365 days dividends.
4.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - IRFCUTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$226 over 6 months on $10,000Requirements
Product: Interest is calculated on an average daily method and paid at maturity. Choose to have interest added to balance, transferred to another IRFCU account, or paid by check.
4.50% interest rate · Effective Oct 1, 2025
Rate checked
More details - De Soto Mo Pac Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.57%APY$457 over 1 year on $10,000Requirements
Offer: 1 year certificate rate stated as 4.50% APR - 4.57% APY.
4.50% interest rate
Rate checked
More details - The Community State Bank6 Month CDCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.55%APY$225 over 6 months on $10,000Requirements
Product: All interest-bearing accounts are calculated on the full amount of principal in the account each day. Rates are subject to change. A penalty may be imposed for early withdrawal, fees may reduce earnings on account.
4.50% interest rate · Effective Sep 29, 2026
Rate checked
More details - First Bank of the LakeCertificates of Deposit (CDs)CD · 7 months · $5,000 min
Bank · Add a location to see nearby branches
4.55%APY$263 over 7 months on $10,000Requirements
Product: Rates effective as of October 14, 2026. Opening deposits: $1,000 minimum (in-branch), $5,000 minimum (online). Max deposit $500,000 per account. FDIC insurance limited to legal maximum. Penalty may be imposed for early withdrawal. Fees could reduce earnings. No institutional funds in branch; no business or institutional funds online.
Offer: Online opening only.
Balance cap $500,000 · Effective Oct 14, 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 nationwide
37,729 CDs at 4,654 banks and credit unions · checked Oct 15–22
- Typical
- 3.19%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank