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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 181–195 results
- Central Bank UtahCertificates of DepositCD · 12–23 months · $500 min
Bank · Add a location to see nearby branches
4.22%APYRequirements
Product: A minimum deposit of $500.00 is required to open any Certificate of Deposit. A minimum daily balance of $500 is required to earn interest. Penalty may be imposed for early withdrawal.
Offer: Term is 12 Months to 23 Months. Minimum balance $500+ to earn interest.
4.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.22%APY$640 over 18 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months (once during term). Child CDs for members under 18 may be opened with a minimum of $100.
4.15% interest rate
Rate checked
More details - Ingersoll Rand Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.22%APY$640 over 18 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
Rate checked
More details - Freedom Credit UnionCertificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.22%APY$640 over 18 months on $10,000Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
4.15% interest rate · Effective Oct 7, 2026
Rate checked
More details - Minnesota Valley Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.22%APY$640 over 18 months on $10,000Requirements
Product: Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
Offer: Dividends compound quarterly. Early withdrawal penalty of 180 days dividend applies.
4.15% interest rate · Effective Sep 22, 2026
Rate checked
More details - Auburn University Credit UnionShare CertificatesCD · 18–23 months · $2,500 min · 4.22%–4.32% by balance
Credit union · Add a location to see nearby branches
4.22%APYintro rateRequirements
Product: Dividends accrue daily and are paid quarterly (or at maturity for short terms). Early withdrawal penalty: for less than 18 months, forfeiture of all dividends on amount withdrawn for 90 days; for greater than 18 months, forfeiture of all dividends on amount withdrawn for 180 days.
Offer: Compound Period: Quarterly
Promotional rate · 4.15% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and upYour amount 4.22% $100,000 and upJumbo Rate ($100,000+ Deposit); 4.32% Rate checked
More details - Citizens Bank & Trust CompanyCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.21%APY$638 over 18 months on $10,000Requirements
Product: Accounts cannot be opened online or over the phone; must visit a branch location to open an account. Early withdrawal penalties and fees may reduce earnings.
4.20% interest rate · Effective Sep 17, 2026
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More details - 4.20%APY$637 over 18 months on $10,000
Effective Oct 22, 2026
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More details - Martha’s Vineyard BankCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Rates effective: October 21, 2026. $1,000 minimum to open and $1,000 balance needed to earn the stated APY. APY assumes funds remain in the account until maturity. Early withdrawals may incur penalties and fees may reduce savings. Rates are guaranteed for the length of the term with fixed rate term accounts.
Offer: Term: 18 months.
4.12% interest rate · Effective Oct 21, 2026
Rate checked
More details - Timberland BankSpecial Promotional CDsCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000intro rateRequirements
Product: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.
Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 20, 2026
Rate checked
More details - Sioux Valley Co-op Federal Credit UnionShare CertificatesCD · 18 months · $0 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Earn a fixed rate by keeping your funds deposited for a set term. Dividends are accrued annually.
Offer: Compounded annually
Compounded annually · Effective Oct 13, 2026
Rate checked
More details - Dakota Community Bank & TrustCD SpecialsCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: CD interest payments available via Auto Transfer or electronic deposit. For 9 month CD: interest is not compounded, credited at maturity. For 18, 27, 39, 54, 69, 78, 89 month CDs: interest is compounded and credited annually. Early withdrawal penalty may apply.
Offer: Interest compounded annually and credited annually.
4.20% interest rate · Compounded annually · Effective Oct 15, 2026
Rate checked
More details - Aroostook Savings & LoanCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: Interest is compounded continuously. A penalty may be imposed for early withdrawal. Rates subject to change prior to issuance; fixed after issuance. Automatic renewal at maturity.
Offer: Interest compounded continuously; early withdrawal penalty may apply. Rate fixed after issuance.
4.06% interest rate · Effective Oct 21, 2026
Rate checked
More details - Pioneer Federal Credit UnionTerm CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$637 over 18 months on $10,000Requirements
Product: All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
Offer: Minimum balance of $500 to earn APY; early withdrawal penalty applies.
4.12% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000
Requirements
Product: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
4.12% interest rate · Compounded monthly · Effective Oct 13, 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 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