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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
    MASSMUTUALShare CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.18%APY$1,780 over 48 months on $10,000intro rate
  2. Top Carrot, Carrot Score 89
    Gulf Coast Business BankCertificates of DepositCD · 48 months · $5,000 min

    Bank · Add a location to see nearby branches

    4.18%APY$1,780 over 48 months on $10,000
  3. O'Bannon BankCertificates of DepositCD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.16%APY$1,771 over 48 months on $10,000
  4. Top Carrot, Carrot Score 87
    Austin Telco Federal Credit UnionShare CertificateCD · 48 months · $1,000 min · 4.16%–4.37% by balance

    Credit union · Add a location to see nearby branches

    4.16%APY$1,771 over 48 months on $10,000
  5. Top Carrot, Carrot Score 94
    New Albin Savings BankCertificates of DepositCD · 48 months · $1,000 min · 4.16%–4.27% by balance

    Bank · Add a location to see nearby branches

    4.16%APY$1,771 over 48 months on $10,000
  6. Top Carrot, Carrot Score 89
    Hoboken School Employees Federal Credit UnionShare CertificatesCD · 48 months · $5,000 min

    Credit union · Add a location to see nearby branches

    4.16%APY$1,771 over 48 months on $10,000
  7. Top Carrot, Carrot Score 99
    Knoxville TVA Employees Credit UnionCertificate AccountsCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000
  8. Top Carrot, Carrot Score 94
    Summit Choice Credit UnionCertificatesCD · 48 months · $300 min

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000intro rate
  9. Top Carrot, Carrot Score 89
    Ridgeline Credit UnionCertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000
  10. Top Carrot, Carrot Score 87
    Neighborhood Credit UnionStandard CertificatesCD · 48 months · $2,500 min

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000
  11. Top Carrot, Carrot Score 89
    First Bank ChicagoCertificates of Deposit (CD)CD · 48 months · $2,500 min

    Bank · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000
  12. Sun Federal Credit UnionRegular CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000
  13. Top Carrot, Carrot Score 90
    Cinfed Credit UnionStandard CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000
  14. Top Carrot, Carrot Score 91
    PCM Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 months on $10,000intro rate
  15. Top Carrot, Carrot Score 91
    North Central Area Credit UnionCertificate of DepositCD · 48 months · $500 min · 4.15%–4.25% by balance

    Credit union · Add a location to see nearby branches

    4.15%APY$1,766 over 48 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 4-year CDs pay nationwide

3,258 CDs at 2,924 banks and credit unions · checked Oct 16–23

Typical
3.00%
Top 10% from
3.99%
Banks, typical
2.50%
Credit unions, typical
3.20%

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