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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.

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Top CD rates

Showing 196–210 results

  1. Top Carrot, Carrot Score 89
    FedFinancial Credit UnionShare CertificatesCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.23%APY$1,323 over 36 months on $10,000
  2. Shrewsbury Federal Credit UnionRegular Share CertificatesCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.23%APY$1,323 over 36 months on $10,000
  3. Top Carrot, Carrot Score 93
    Town of Cheektowaga Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.22%APY$1,320 over 36 months on $10,000
  4. TLC Community Credit UnionRegular CertificatesCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.22%APY$1,320 over 36 months on $10,000with conditions
  5. First BankRaise-A-Rate CDCD · 36 months · $5,000 min

    Bank · Add a location to see nearby branches

    4.21%APY$1,317 over 36 months on $10,000
  6. Top Carrot, Carrot Score 89
    Horizon Credit UnionCertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000
  7. Top Carrot, Carrot Score 99
    Educational Systems Federal Credit UnionCertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000intro rate
  8. Top Carrot, Carrot Score 93
    Commstar Credit UnionCertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000
  9. Arbuckle Federal Credit UnionShare Certificates ($1,000 – $99,999)CD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000
  10. Top Carrot, Carrot Score 89
    Greater Nevada Credit UnionShare CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000
  11. NCPA Federal Credit UnionShare Term Certificate (STC)CD · 36 months · $250 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000
  12. Top Carrot, Carrot Score 92
    Desert Rivers Credit UnionCDCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000
  13. Planites Credit UnionInvestment CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000
  14. Top Carrot, Carrot Score 88
    MSU Federal Credit UnionCertificateCD · 36 months · $500 min · 4.20%–4.35% by balance

    Credit union · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000intro rate
  15. Bank of CashtonCertificate of DepositsCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.20%APY$1,314 over 36 months on $10,000

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 3-year CDs pay nationwide

4,164 CDs at 3,673 banks and credit unions · checked Oct 16–23

Typical
3.00%
Top 10% from
4.00%
Banks, typical
2.50%
Credit unions, typical
3.15%

Is your bank paying you enough?

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Nationwide

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate