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 181–195 results
- Wichita Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Minimum opening deposit: $500. Terms available from 3 months to 5 years. Automatic renewal available at maturity. Early withdrawal penalty applies (90 days interest for terms up to 6 months, 180 days interest for terms 1 year and longer).
Offer: Early withdrawal penalty: 180 days interest. Dividend period: Quarterly.
4.18% interest rate · Effective Sep 30, 2025
Rate checked
More details - SouthEast BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000with conditionsRequirements
Product: Available online or in-branch. FDIC insured up to $250,000 per depositor. Promotional CD rates are valid during the initial term and do not apply to renewals. Early withdrawal penalty applies. Promotional CDs are not eligible for interest checks. Active Thrive Checking account holders can receive a 0.10% (10 basis points) rate increase.
Offer: Limited-time promotional offer. Promotional rate is valid during initial term and does not apply to renewals. No minimum balance to earn the APY. Compounded and credited quarterly. Penalty for early withdrawal. Not eligible for interest checks.
Qualified rate · 4.18% interest rate · Effective Sep 24, 2026
Rate checked
More details - Crescent BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Offer: Limited time offer. Interest compounds quarterly. Subject to early withdrawal penalty.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - Proponent Federal Credit UnionShare CertificatesCD · 24 months · $500 min · 4.20%–4.30% by balance
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Membership eligibility required. Penalties apply for early withdrawals from certificate accounts. Fees may reduce earnings. Dividends are compounded daily and credited monthly. Funds insured by NCUA up to $250,000 per depositor.
4.12% interest rate · Compounded daily · Effective Oct 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 4.20% $10,000 – $25,000Your amount 4.25% $25,000 and up 4.30% Rate checked
More details - Nebraska BankCertificates of Deposit (CDs)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: No setup or maintenance fees. CDs renew automatically upon maturity. Early withdrawals subject to penalty (3 months interest penalty on terms 12 months and under, 6 months interest penalty on terms more than 12 months).
4.18% interest rate · Effective Oct 20, 2026
Rate checked
More details - Metrum Community Credit UnionCertificate of DepositCD · 24 months · $500 min · 4.25%–4.35% by balance
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.25% $100,000 and up 4.35% Rate checked
More details - Ferguson FCUShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Fixed-term share certificate. Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: Minimum deposit $500. Early withdrawal subject to penalty.
Effective Oct 20, 2026
Rate checked
More details - Aroostook Savings & LoanCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 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.
4.11% interest rate · Effective Oct 21, 2026
Rate checked
More details - AERO FinancialShare Certificate (CD)CD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
Offer: Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - Pioneer Federal Credit UnionTerm CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 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.
4.17% interest rate · Effective Oct 21, 2026
Rate checked
More details - Mass Bay Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Assumes dividends remain in account until maturity. Early withdrawal penalty applies. Rate effective September 3, 2026 on promotional page; schedule effective October 16, 2026. $250,000 maximum deposit per Member.
Promotional rate · Balance cap $250,000 · Effective Oct 16, 2026
Rate checked
More details - USC Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
Offer: Minimum opening deposit $1,000. Early withdrawal penalties apply.
4.17% interest rate · Effective Oct 17, 2026
Rate checked
More details - Flagstar BankCertificates of Deposit (CD)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - First New York Federal Credit UnionShare CertificatesCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Open a Certificate with a minimum deposit of $500 ($2,500 for 9-month and 24-month Share Certificates). Terms ranging from 3 months to 5 years. Lock in rate for entire certificate term. Competitive dividends compounded and credited monthly; withdraw earned dividends at any time without penalty. Automatic renewal at maturity for the same term as originally opened. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Funds federally insured by the NCUA up to applicable limits.
Offer: Annual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $2,500.
4.17% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - Hatboro Federal SavingsCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Fixed rate CDs with terms from 91 days to 5 years. Minimum investment of $1,000. Early withdrawal penalties apply.
Offer: Interest compounded quarterly. Early withdrawal penalty is 90 days interest.
4.18% interest rate · Compounded quarterly · Effective Oct 16, 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 2-year CDs pay nationwide
4,629 CDs at 4,048 banks and credit unions · checked Oct 16–23
- Typical
- 3.05%
- Top 10% from
- 4.06%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank