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 241–255 results
- Acadia Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.
4.07% interest rate
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More details - Canopy Credit UnionTerm Share AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fixed rates with dividends compounded and credited monthly. Zero fees.
Offer: Special Rate!
4.07% interest rate · Effective Oct 6, 2026
Rate checked
More details - Ascent Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.
Offer: Interest compounded and paid quarterly.
Effective Oct 15, 2026
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More details - Skyla Credit UnionRegular Certificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,0004.07% interest rate · Effective Oct 1, 2026
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More details - Meredith Village Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: $500.00 minimum to open Certificate of Deposit. A substantial interest penalty may be required for early withdrawals. Fees could reduce earnings.
4.07% interest rate · Effective Oct 14, 2026
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More details - Ciera BankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
Offer: Interest compounded: Quarterly. Interest credited: Quarterly.
4.09% interest rate · Effective Oct 10, 2026
Rate checked
More details - Citizens Savings BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: FDIC insured up to $250,000. Substantial penalties for early withdrawals on all CDs.
Offer: Compounded semi-annually. Substantial penalty for early withdrawal.
4.11% interest rate
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More details - Bank of WashingtonCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: APY is calculated using the daily balance method, assuming interest remains in the account until maturity. A penalty may be imposed for early withdrawal.
Offer: Interest paid quarterly.
4.09% interest rate
Rate checked
More details - Port Washington State BankCertificate of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Fixed rate account and time deposit. Penalty may be imposed for early withdrawal before maturity. Minimum balance to open is $1,000.00. For 9-month and 18-month CD specials, minimum balance to open is $1,000; $1,000 required minimum balance to obtain stated APY for Minors, Students or Organizations.
Offer: Special offer. Minimum balance to open: $1,000.00. $1,000 required minimum balance to obtain stated APY for Minors, Students or Organizations.
4.07% interest rate · Effective Oct 2, 2026
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More details - Winchester Co-operative BankTerm Deposit Certificates (TDC)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account.
Offer: 18 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00.
4.07% interest rate · Effective Oct 1, 2026
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More details - Southeastern Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Dividends may be paid quarterly or at maturity; compounded quarterly.
4.09% interest rate · Compounded quarterly · Effective Jun 26, 2025
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More details - Spero FinancialTerm Share CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Early withdrawal fees could reduce earnings and principal on the account. Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms. Automatic renewal at maturity available.
Offer: Certificate dividends paid quarterly.
Effective Oct 1, 2026
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More details - CIBC Bank USACIBC Agility Certificate of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000Requirements
Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.
Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.
4.07% interest rate · Balance cap $5,000,000
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More details - Expree Credit UnionSavings CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,0004.09% interest rate · Effective Sep 23, 2026
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More details - Bellwether Community Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$629 over 18 months on $10,000with conditionsRequirements
Product: Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Loyalty Pays Premium Certificate Rate requires an active consumer checking account and active debit card with at least one debit card transaction in the current month.
Qualified rate · 4.07% interest rate · Effective Sep 1, 2026
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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 18-month CDs pay nationwide
3,156 CDs at 2,800 banks and credit unions · checked Oct 16–23
- Typical
- 3.24%
- Top 10% from
- 4.08%
- Banks, typical
- 2.90%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank