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 196–210 results
- Bank of UticaCertificates of Deposit (CD)CD · 6–12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APYRequirements
Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
Offer: Under $100,000 tier; 6 months up to 1 year term; compounded quarterly.
3.94% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
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More details - Oxford Federal Credit UnionShare CertificatesCD · 6–11 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) Share Certificates rates are available by phone.
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More details - Farmers Trust & Savings BankCertificate of DepositCD · 7–18 months · $5,000 min
Bank · Add a location to see nearby branches
4.00%APY3.94% interest rate · Effective Sep 29, 2026
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More details - Security Bank of Southwest MissouriCertificate of DepositCD · 9 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000Requirements
Offer: $1,000.00 minimum deposit. Substantial penalty for early withdrawal.
3.94% interest rate
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More details - Fox Communities Credit UnionCertificate SpecialCD · 9 months · $5,000 min
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000with conditionsRequirements
Product: For individual depositors. Specials may end at any time, without prior notice. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: Without active checking account. Early withdrawal penalty: 180 Days.
Qualified rate · 3.94% interest rate · Effective Oct 22, 2026
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More details - First Community Credit UnionProsper Max Share CertificateCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000Requirements
Product: Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).
3.93% interest rate
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More details - People Driven Credit UnionCD SpecialCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000Requirements
Product: Early withdrawals and applicable fees may reduce earnings. Loss of 90 days' interest for terms 12 months or less, 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.
3.94% interest rate
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More details - Reading Cooperative BankCertificate of Deposit AccountsCD · 9 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Fixed-rate CD. Terms from 6 months to 5 years. Early withdrawal penalties may be imposed. Maximum online deposit of $500,000.00 for certain terms. Monthly maintenance fee: No.
Offer: Excludes IRAs. Maximum deposit of $500,000.00 when opened online. Each renewal term will be standard six-month term beginning on maturity date.
Promotional rate · 4.00% interest rate · Effective Oct 21, 2026
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More details - Mills42 Federal Credit UnionShare CertificateCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000Requirements
Product: Member eligibility is required. Highest dividend rates require eStatements; without eStatements, lower standard rate applies. Minimum balance of $500 required to open account and earn dividends. Dividends compounded daily and posted monthly and at maturity date. Substantial penalty for early withdrawal. Does not automatically renew at maturity.
Offer: Standard rate without eStatements.
3.93% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - Nebraska BankCertificates of Deposit (CDs)CD · 9 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$299 over 9 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).
3.94% interest rate · Effective Oct 20, 2026
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More details - Magyar Bank (New Brunswick, NJ)Certificates of Deposit (CDs)CD · 9 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000Requirements
Product: Early withdrawals from CDs are subject to penalties: maturities less than 12 months, loss of 3 months interest; 12-35 months, loss of 9 months interest; 36–60 months, loss of 12 months interest; 120 months, loss of 24 months interest.
Offer: New Money Only.
3.98% interest rate · Effective Oct 15, 2026
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More details - Goldenwest Credit UnionStandard CertificateCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000Requirements
Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
3.93% interest rate · Effective Oct 1, 2026
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More details - Summit Credit UnionJumbo CertificateCD · 9 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Quarterly compounding. Penalties may apply for early withdrawal. After the account is opened, no additional deposits may be made until maturity. Automatically renews at maturity with a 10-day grace period.
Offer: Special certificate. Quarterly compounding. Early withdrawal penalty up to 90 days dividends. Automatically renews into a non-special standard certificate.
Promotional rate · 3.94% interest rate · Effective Oct 22, 2026
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More details - Greater Waterbury Healthcare Federal Credit UnionShare CertificateCD · 9 months
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,0004.00% interest rate · Effective Jul 16, 2026
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More details - Sebasticook Valley Federal Credit UnionShare CertificatesCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Available terms range from 3 months to 4 years (48 months). Must be eligible for credit union membership (serving Franklin, Kennebec, Penobscot, Piscataquis, Somerset, and Waldo Counties in Maine).
Offer: Limited time offer available July 6-11, 2026 and August 3-8, 2026. Rate as of July 2026. Minimum deposit is $500.
Promotional rate
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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 9-month CDs pay nationwide
1,356 CDs at 1,186 banks and credit unions · checked Oct 16–23
- Typical
- 3.50%
- Top 10% from
- 4.10%
- Banks, typical
- 3.39%
- Credit unions, typical
- 3.56%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank