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 211–225 results
- Hawaii State FCUTerm ShareCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$336 over 9 months on $10,000intro rateRequirements
Product: Credit Union membership and Hawaii residency required. Choose terms from 6 months to 5 years. A penalty may be imposed for early withdrawals. Fees may reduce earnings.
Offer: Special offer celebrating 90th Anniversary. All funds must come from another financial institution. Minimum to open and earn APY is $1,000. Maximum aggregate balance of $250,000 per member, per term. Fixed for initial term only; renewal rate may vary. Early withdrawal penalty may apply. Not applicable to IRA Term Share Accounts. Available to Hawaii residents only.
Promotional rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Honolulu Federal Credit Union (HOCU)90th Anniversary Certificate SpecialCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$336 over 9 months on $10,000intro rateRequirements
Product: Celebrate 90 years of serving Oahu with our best certificate rate yet. Deposits must come from another financial institution. Fees could reduce earnings. Early withdrawal penalties apply. The additional 0.05% APY for members 55 and over does not apply to this special. Membership required. Offer subject to change without notice.
Offer: Deposits must come from another financial institution. Fees could reduce earnings. Early withdrawal penalties apply. The additional 0.05% APY for members 55 and over does not apply to this special. Membership required.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Town Center Bank9-Month Certificate of DepositCD · 9 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$336 over 9 months on $10,000intro rateRequirements
Product: New deposits only.
Offer: New deposits only.
Promotional rate · 4.48% interest rate · Effective Oct 6, 2026
Rate checked
More details - Health Advantage Credit UnionPromotional CertificateCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$336 over 9 months on $10,000intro rateRequirements
Product: Promotional Certificate. Membership required ($5 minimum deposit). Maximum deposit $100,000. Only one account allowed per primary member SSN. Upon maturity, promotional certificate renews at the next lowest regular certificate term and rate (7 Month renews as regular 6 Month Certificate; 9 Month renews as regular 6 Month Certificate).
Offer: Must be opened with new money (deposits not previously or currently held at Health Advantage Federal Credit Union). Renews as regular 6 Month Certificate upon maturity. Maximum balance $100,000.
Promotional rate · 4.40% interest rate · Balance cap $100,000 · Effective Oct 5, 2026
Rate checked
More details - Members Source Credit UnionShare Certificates (CDs)CD · 11 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$412 over 11 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Dividends credited and compounded monthly. Rates subject to change without notice.
Offer: 11-Month Special.
Promotional rate · 4.41% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - HAB BankCertificate of DepositCD · 11 months · $1,500 min
Bank · Add a location to see nearby branches
4.50%APY$412 over 11 months on $10,000Requirements
Product: Compounded daily. Substantial early withdrawal penalties apply. Rates are subject to change.
Offer: Minimum balance of $1,500 is required to earn the posted APY.
4.40% interest rate · Compounded daily · Effective Jul 13, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000intro rate
Requirements
Product: Rates subject to change at any time.
Offer: CD Special - expires 10/31/26
Promotional rate · Effective Sep 15, 2026
Rate checked
More details - Arize Federal Credit UnionTerm Share CertificatesCD · 11 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$412 over 11 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal. As a condition of membership at Arize FCU, you must maintain the minimum required Par Value of One Share ($5.00) in the savings account.
Offer: 11-Month Special
Promotional rate · 4.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - G.P.O. Federal Credit UnionTerm Share CertificatesCD · 11 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$412 over 11 months on $10,000intro rateRequirements
Product: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: 11-Month Term Share Certificate Special. Minimum deposit to open and minimum balance to earn advertised APY is $1,000. Maximum deposit is $25,000. Limit one per member during promotional period. Early withdrawal penalties apply. Additional deposits not allowed. Automatically renews into 12-month Term Share Certificate at prevailing rate.
Promotional rate · 4.41% interest rate · Balance cap $25,000 · Effective Oct 1, 2026
Rate checked
More details - Together Credit UnionCertificate of Deposit (CD)CD · 11 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$412 over 11 months on $10,000Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - Hurricane Creek Federal Credit UnionShared CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000Effective Mar 11, 2026
Rate checked
More details - Christian Financial Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.
Offer: 12-Month Certificate; Minimum Balance $500.
4.41% interest rate · Effective Oct 16, 2026
Rate checked
More details - FreeStar Financial Credit UnionSave to WinCD · 12 months · $25 min
Credit union · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000with conditionsRequirements
Product: Must be 18 years or older and a legal resident of Michigan. All deposits must be made while in Michigan. No minimum deposit required after account opening. Maximum entries allowed per month is 10. One CD per member among any credit union that participates in Save to Win program. Monthly and quarterly cash prizes. Special certificates automatically renew on maturity date with a 10-day grace period before early withdrawal penalties apply.
Offer: Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty).
Qualified rate · 4.41% interest rate · Effective Oct 15, 2026
Rate checked
More details - Tennessee Valley Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Early withdrawals may incur penalties. No setup or maintenance fees.
Offer: A penalty applies for early withdrawal.
4.43% interest rate
Rate checked
More details - Arkansas Federal Credit UnionSpecial CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
4.41% interest rate · Effective Oct 9, 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 CDs pay nationwide
37,753 CDs at 4,650 banks and credit unions · checked Oct 16–23
- Typical
- 3.20%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank