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
- Community Savings BankFive-In-One CertificateCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000with conditionsRequirements
Product: Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.
Offer: Optional renewal - 5th year bonus rate of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026.
Qualified rate · 4.25% interest rate · Effective Oct 10, 2026
Rate checked
More details - SUMA Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Rates effective as of 10/13/2026. Early withdrawal penalties apply as shown per term. Minimum opening balance applies.
Offer: Penalty for early withdrawal: 9 Months Dividends.
4.16% interest rate · Effective Oct 13, 2026
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More details - Hatboro Federal SavingsCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$2,313 over 60 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 180 days interest.
4.18% interest rate · Compounded quarterly · Effective Oct 16, 2026
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More details - S&T BankGrowth/Income CD Time DepositsCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.
Balance cap $500,000 · Effective Oct 12, 2026
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More details - Stanford Federal Credit UnionCertificatesCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Standard rate tier.
Qualified rate · 4.17% interest rate · Effective Sep 18, 2026
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More details - Luminate BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
Offer: Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
4.19% interest rate · Effective Oct 15, 2026
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More details - Midwest BankCertificates of Deposit (CDs)CD · 60 months · $500 min · 4.25%–4.40% by balance
Bank · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fixed rate that will not change for the term. Automatic renewal when certificate meets maturity. No setup or maintenance fees.
Offer: Term: 60 Month. Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance.
4.18% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 and upYour amount 4.25% $25,000 and upTerm: 60 Month ($25,000 or more). 4.40% Rate checked
More details - CSD Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Penalty for early withdrawal.
4.18% interest rate · Effective Oct 9, 2026
Rate checked
More details - FreeStar Financial Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000with conditionsRequirements
Product: Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.
Offer: Qualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account.
Qualified rate · 4.17% interest rate · Effective Oct 15, 2026
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More details - New Orleans Firemen's Federal Credit UnionCertificateCD · 60 months · $2,000 min · 4.00%–4.25% by balance
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.
Rate by balance
Rate by balance for Certificate Balance APY $2,000 – $9,999 4.00% $10,000 and upYour amount 4.25% Rate checked
More details - Payne County BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: $1,000 minimum deposit to open; Interest payable monthly on deposits of $5,000 or more; Early withdrawal penalty applies (3 months interest for < 18 months maturity, 6 months interest for 18 months or longer).
Offer: Term: 60 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest.
4.17% interest rate · Effective Sep 29, 2026
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More details - SUN Credit UnionStandard Certificates of DepositCD · 60 months · $2,000 min
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Minimum deposit as low as $1,000.
4.17% interest rate · Effective Oct 1, 2026
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More details - Republic BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
4.16% interest rate · Balance cap $2,000,000 · Effective Oct 15, 2026
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More details - Jordan Credit UnionCertificate AccountCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Dividends are paid monthly. Membership eligibility required.
4.17% interest rate · Effective Oct 1, 2026
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More details - Dirigo Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
4.17% 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 5-year CDs pay nationwide
3,413 CDs at 3,038 banks and credit unions · checked Oct 16–23
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- 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