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 271–285 results
- Community Link FCUShare CertificatesCD · 19 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$722 over 19 months on $10,000intro rateRequirements
Product: CLFCU membership required (open a $5 membership savings account; eligible if living, working, worshipping, or going to school in Huntington County, or having an immediate family member who is a member). Early withdrawal penalties may be assessed.
Offer: Limited time special. Must have eStatements to be eligible for special certificate rates. Rate Guard does not apply.
Promotional rate · Effective Sep 28, 2026
Rate checked
More details - Abbott Laboratories Employees Credit UnionCertificatesCD · 20 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$761 over 20 months on $10,000Requirements
Product: Dividends paid monthly based on daily average balance. Automatically reinvested dividends.
Offer: Special certificate rate; early withdrawal penalty may apply.
4.41% interest rate · Effective Feb 1, 2026
Rate checked
More details - Fidelity BankCD Special OffersCD · 20 months · $5,000 min
Bank · Add a location to see nearby branches
4.50%APY$761 over 20 months on $10,000intro rateRequirements
Product: Exclusive for new depository money. Zero setup or maintenance fees. Subject to credit qualifications. Early withdrawal penalties may apply.
Offer: Rollover into a 24-month term at maturity, current 24-month term CD rates will apply.
Promotional rate · 4.49% interest rate
Rate checked
More details - Skyla Credit UnionRegular Certificate AccountCD · 21 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$801 over 21 months on $10,0004.41% interest rate · Effective Oct 1, 2026
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More details - Teachers Federal Credit UnionCertificate AccountsCD · 22 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$840 over 22 months on $10,000Requirements
Product: $1,000.00 minimum balance to earn APY and to open an account. Certificates automatically renew at maturity. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account. Penalty may be imposed for early withdrawal. Maintenance fee is $0.00.
Offer: Certificate is available for New Money deposits only. New Money is defined as money not currently on deposit or held by Teachers FCU within the previous 12 months.
4.40% interest rate · Effective Sep 30, 2026
Rate checked
More details - Mountain America Credit UnionGrowth CertificateCD · 24 months · $5 min
Credit union · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
4.41% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - Mountain America Credit UnionStandard CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - Deseret First Credit UnionRegular Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000intro rateRequirements
Product: Membership required; eligibility requirements apply. Minimum balance to open the account and earn the advertised APY is $500.00. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Standard rate. Minimum balance to open and earn advertised APY is $500.00.
Promotional rate · 4.40% interest rate
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member.
4.41% interest rate · Effective Oct 6, 2026
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More details - Midwest HeritageCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000intro rateRequirements
Product: Offer limited to new, consumer certificates only. Early withdrawal penalty may be imposed. Fees may reduce earnings.
Offer: Minimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only.
Promotional rate · 4.50% interest rate · Effective Oct 9, 2026
Rate checked
More details - New Orleans Firemen's Federal Credit UnionCertificateCD · 24 months · $2,000 min · 4.25%–4.50% by balance
Credit union · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000Requirements
Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.
Rate by balance
Rate by balance for Certificate Balance APY $2,000 – $9,999 4.25% $10,000 and upYour amount 4.50% Rate checked
More details - Utah First Credit UnionTraditional Term DepositCD · 24 months · $2,000 min
Credit union · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000Rate checked
More details - Desert Rivers Credit UnionCDCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000Requirements
Product: Savings certificates are subject to Early Withdrawal Penalties.
Offer: Early withdrawal penalty: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase; if less than 180 days, penalty is amount earned to date.
4.43% interest rate
Rate checked
More details - Arkansas Federal Credit UnionRegular CertificateCD · 24–71 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APYRequirements
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.
Effective Oct 9, 2026
Rate checked
More details - CENT Credit UnionTime Share CertificatesCD · 24 months · $5,000 min
Credit union · Add a location to see nearby branches
4.50%APY$920 over 24 months on $10,000Requirements
Product: Dividends are calculated daily and paid monthly. Early withdrawals may result in penalties.
Offer: Requires a minimum opening deposit of $5,000. No maximum deposit applies.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
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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 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank