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
- Coastal Credit UnionCertificatesCD · 24 months · $250 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Fixed rate locked for term. Dividends compound daily. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty applies. Must maintain membership share in Primary Savings.
Offer: Minimum balance of $250 required to earn stated APY. Fixed rate for 24 months.
4.17% interest rate · Effective Sep 1, 2026
Rate checked
More details - Town and Country Credit UnionCertificate of Deposit (CD)CD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Interest compounded and paid monthly on average daily balance. Penalty for early withdrawal. Terms of 36 months or greater allow for one bump-up / step-up to the current rate after 12 months.
Offer: Auto-renews at the current rate with a 10 day grace period.
Effective Oct 1, 2026
Rate checked
More details - Freedom Credit UnionTerm Share CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
4.18% interest rate · Effective Sep 24, 2026
Rate checked
More details - Utah Power Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Rates are as of October 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Minimum deposit of $500.00. Early withdrawal penalty may apply.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - EUCCUShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Effective Oct 1, 2026
Rate checked
More details - Nelnet BankPersonal Certificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Must be a U.S. citizen or permanent resident, at least 18 years of age, currently residing in the United States with a physical address in the U.S. Interest compounds daily using a 365/366-day basis and pays monthly.
Offer: Early withdrawal penalty applies (for terms more than 12 months and up to 2 years, penalty is 180 days' simple interest). $1000 minimum balance required to open and obtain advertised APY.
Effective Oct 1, 2026
Rate checked
More details - Elevate Credit UnionTraditional CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: $500 minimum opening deposit. Terms from 6 to 36 months. 18-month term features rate bump. Early withdrawal subject to dividend penalties.
Effective Sep 17, 2026
Rate checked
More details - APL Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Dividends are calculated daily, compounded and paid monthly and at maturity. Early withdrawal penalties apply and may reduce earnings.
Offer: Minimum balance of $1,000 to open.
4.17% interest rate · Effective Oct 4, 2026
Rate checked
More details - Pima Federal Credit UnionTerm Share Certificate (CD)CD · 24 months · $250 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Minimum deposit $250 with no maximum. Plus, enjoy a 0.25% APY increase on your new CD with a qualifying CareFREE Checking account (CareFREE Plus Checking with e-statements and at least $1,000 in monthly direct deposits).
Offer: Requires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits
Effective Oct 1, 2026
Rate checked
More details - Blue Federal Credit UnionMarket Index Term ShareCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. 24-month term share certificate. Deposits range from $1,000 minimum to $5,000,000 maximum. Dividends compounded and credited monthly. Early withdrawal penalty equal to 730 days of dividends. Membership required.
Offer: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. Rates up to 4.25% APY. Dividends compounded and credited monthly. Penalty equal to 730 days of dividends if withdrawn before maturity. Membership required.
Balance cap $5,000,000
Rate checked
More details - Greenwood Credit UnionCertificates of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Only $1,000 minimum balance to open. Interest is compounded daily and credited monthly. Rates are locked for the term chosen.
4.16% interest rate · Compounded daily · Effective Sep 30, 2026
Rate checked
More details - BankNewportLimited Time Offers CDCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000with conditionsRequirements
Offer: With existing money. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer can be withdrawn at any time.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000with conditions
Requirements
Product: To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account.
Offer: To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account. A penalty will be imposed for early withdrawal during the term of the CD.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - BankNewportCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Offer: A penalty will be imposed for early withdrawal during the term of the CD.
Effective Oct 2, 2026
Rate checked
More details - Westmark Credit UnionTerm CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Minimum deposit of $500 required for all Term Certificates. Automatically renews at maturity with a 10-day grace period. Dividend rates are tiered for larger deposits. Compounded and paid at maturity for terms under 12 months, compounded quarterly for terms of 12 months or more. Early withdrawal penalty applies (90 days dividends for terms under 12 months, 180 days dividends for terms 12 months or longer).
Offer: 24 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty.
Compounded quarterly · Effective Sep 21, 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 2-year CDs pay nationwide
4,629 CDs at 4,048 banks and credit unions · checked Oct 16–23
- Typical
- 3.05%
- Top 10% from
- 4.06%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
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