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
- CrossRoads Financial Federal Credit UnionCertificates of DepositCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: Competitive rates are offered on certificates for terms ranging from six months to five years. A minimum of $1,000 is required to open a share certificate. LifeSaver Kids Club members qualify for a $500 minimum balance. Substantial penalty for early withdrawal of share certificate. Rates effective as of 7/3/2026.
Offer: LifeSaver Club certificate minimum balance is $500. Substantial penalty for early withdrawal of share certificate.
4.00% interest rate · Effective Jul 3, 2026
Rate checked
More details - Valley Credit UnionTerm Share CertificateCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Certificate special. Limited time special! Penalty for early withdrawal.
Promotional rate · Effective Oct 1, 2026
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More details - Malden Federal Credit UnionCertificate AccountCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.
Offer: Minimum amount $500.00.
4.00% interest rate · Compounded monthly · Effective Aug 28, 2026
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More details - Riverbank Federal Credit UnionTerm Share CertificatesCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: $500 minimum balance required to open account and earn posted dividend. Dividends paid monthly based on Average Daily Balance. Account automatically rolls over at maturity. Early withdrawal penalty equals 6 months (180 days) dividends.
Offer: Outside Funds
4.00% interest rate · Effective Oct 8, 2026
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More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 9 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
Offer: Loyalty Program Silver Tier (Base + 0.30% IR)
Effective Oct 9, 2026
Rate checked
More details - Paragon Bank9 month CD SpecialCD · 9 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000with conditionsRequirements
Product: Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate. Automatic renewal upon maturity for the standard rate and term. Early withdrawal penalties may apply.
Offer: Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate. Early withdrawal penalties may apply.
Qualified rate · 4.05% interest rate · Effective Oct 1, 2026
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More details - Eastmill Federal Credit UnionCertificatesCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.
4.00% interest rate · Effective Apr 1, 2026
Rate checked
More details - Owensboro Federal Credit UnionCertificate of DespositCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: Rates subject to change weekly. Penalty applies for early withdrawal.
Offer: Early withdrawal penalty: 90 Day Interest Penalty. Rates subject to change weekly.
4.00% interest rate · Effective Nov 21, 2025
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More details - TLCU FinancialShare CertificatesCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$304 over 9 months on $10,000Requirements
Product: Dividends may be added to the certificate, mailed monthly, or posted to another account at the credit union.
4.00% interest rate
Rate checked
More details - Library of Congress Federal Credit UnionShare CertificateCD · 6–11 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APYRequirements
Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.
Offer: Compounded quarterly
4.00% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - Ingersoll Rand Federal Credit UnionShare CertificateCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$303 over 9 months on $10,000Requirements
Product: Dividends reported annually via 1099-INT. Early withdrawal penalties apply. Rate is based on date/time funds received and processed. NCUA insured.
Effective Oct 16, 2026
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More details - Adams State BankCertificates of DepositCD · 9 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$303 over 9 months on $10,000Requirements
Product: Minimum balance above is to open: No minimum balance required to earn interest. Substantial penalty for early withdrawal of certificates.
4.00% interest rate · Effective Oct 13, 2026
Rate checked
More details - Tendto Credit UnionShare Certificate SpecialsCD · 9 months · $1,000 min · 4.06%–4.47% by balance
Credit union · Add a location to see nearby branches
4.06%APY$303 over 9 months on $10,000intro rateRequirements
Product: All rates and yields stated are accurate as of September 1, 2026 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened. 50% New Money required for 9 Month Term Certificate.
Offer: 50% New Money
Promotional rate · 4.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Share Certificate Specials Balance APY $1,000 and upYour amount 4.06% $75,000 and up 4.27% $200,000 and up 4.47% Rate checked
More details - The Peoples Bank Co.Certificate of DepositCD · 9 months · $500 min · 3.80%–4.06% by balance
Bank · Add a location to see nearby branches
4.06%APY$303 over 9 months on $10,0003.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $5,000 3.80% $5,000 and upYour amount 4.06% Rate checked
More details - Federated Employees Credit Union$ave-N-GrowCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$303 over 9 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Minimum balance to open is $100 for Kids Club certificate and $1,000 for all others. Early withdrawal penalty applies. 10 day grace period at end of term.
Offer: Minimum balance to open is $100 for Kids Club certificate and $1,000 for all others.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
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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 9-month CDs pay nationwide
1,356 CDs at 1,186 banks and credit unions · checked Oct 16–23
- Typical
- 3.50%
- Top 10% from
- 4.10%
- Banks, typical
- 3.39%
- Credit unions, typical
- 3.56%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank