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 226–240 results
- Fort Community Credit UnionCertificateCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
4.13%APY$1,757 over 48 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Dividends compounded quarterly.
Promotional rate · 4.07% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Fort Community Credit UnionCertificateCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
4.13%APY$1,757 over 48 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Dividends paid quarterly. $250 minimum to open.
Promotional rate · 4.07% interest rate · Compounded quarterly
Rate checked
More details - Del Norte Credit UnionCertificatesCD · 48 months · $1,000 min · 4.08%–4.18% by balance
Credit union · Add a location to see nearby branches
4.13%APY$1,757 over 48 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
Promotional rate · 4.00% interest rate · Compounded daily · Effective Oct 3, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.08% $10,000 and upYour amount 4.13% $100,000 and up 4.18% Rate checked
More details - US Community Credit UnionCertificateCD · 48 months · $500 min · 4.13%–4.18% by balance
Credit union · Add a location to see nearby branches
4.13%APY$1,757 over 48 months on $10,000Requirements
Product: Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $100,000Your amount 4.13% $100,000 and up 4.18% Rate checked
More details - IAA Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.11%APY$1,748 over 48 months on $10,000with conditionsRequirements
Product: Federally insured up to at least $250,000. Penalties apply for early withdrawal. Jumbo rate quoted upon request (minimum $100,000). Youth savings certificates minimum $500 available to youth club members 18 years and under and Elite Club Checking members.
Qualified rate · 4.03% interest rate · Effective Oct 9, 2026
Rate checked
More details - Armstrong County Building and LoanCertificates of DepositCD · 36–48 months · $500 min
Bank · Add a location to see nearby branches
4.10%APYRequirements
Product: Daily compounding. Penalties for early withdrawals.
Offer: Early withdrawal penalty of 6 months interest; 1 Bump-Up option to current rate for remaining term while keeping original maturity date
3.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Armstrong County Building and LoanCD SpecialsCD · 36–48 months · $500 min
Bank · Add a location to see nearby branches
4.10%APYRequirements
Product: Daily Compounding. Penalties for early withdrawals.
3.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank of UticaCertificates of Deposit (CD)CD · 36–48 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%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; 3 years up to 4 years term; compounded quarterly.
4.04% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 48 months · $1,000 min · 4.10%–4.20% by balance
Credit union · Add a location to see nearby branches
4.10%APY$1,744 over 48 months on $10,000Requirements
Product: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
Offer: Regular certificate. Compounded daily, paid quarterly.
4.02% interest rate · Compounded daily · Effective Jul 1, 2026
Rate by balance
Rate by balance for Term Share Certificates/Certificates of Deposit Balance APY $1,000 and upYour amount 4.10% $95,000 and upJumbo certificate. 4.20% Rate checked
More details - Wolf River Community BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$1,744 over 48 months on $10,000Requirements
Product: Minimum balance to open is $1,000.00. No deposits can be added. Early withdrawals of principal prior to maturity date will result in substantial penalties and account closure. Interest credited at maturity on CDs less than 12 months; quarterly compounding on accounts 12 months and over. Fees may reduce earnings.
Offer: Quarterly compounding. Fees may reduce earnings.
4.04% interest rate · Effective Oct 14, 2026
Rate checked
More details - Adventure Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,744 over 48 months on $10,000Requirements
Product: Available to anyone who lives, works, worships, or attends school in the State of Michigan; credit union membership requires a $5 share deposit. Early withdrawal penalty on 6-month certificate is 90 days loss of interest; on 12-month term or longer is 180 days loss of interest.
Offer: Early withdrawal penalty is 180 days loss of interest.
4.04% interest rate · Effective Oct 1, 2026
Rate checked
More details - Payne County BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$1,744 over 48 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: 48 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest.
4.02% interest rate · Effective Sep 29, 2026
Rate checked
More details - Wings Credit UnionStandard Certificate of DepositCD · 48–53 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APYRequirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.03% interest rate · Effective Oct 15, 2026
Rate checked
More details - Houston Federal Credit UnionFlexible-Term CertificateCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APYRequirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
4.04% interest rate · Effective Oct 6, 2026
Rate checked
More details - Bridge Credit UnionStandard CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,744 over 48 months on $10,000Requirements
Offer: Everyday APY tier.
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 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank