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
- Foresight BankCertificate of DepositCD · 36 months · $500 min · 4.06%–4.22% by balance
Bank · Add a location to see nearby branches
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.
4.00% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 4.06% $10,000 and upYour amount 4.11% $40,000 and up 4.16% $100,000 and up 4.22% Rate checked
More details - Austin Telco Federal Credit UnionShare CertificateCD · 36 months · $1,000 min · 4.11%–4.32% by balance
Credit union · Add a location to see nearby branches
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
4.05% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $94,999Your amount 4.11% $95,000 – $224,999 4.22% $225,000 and up 4.32% Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.10% interest rate · Compounded daily · Effective Jan 25, 2024
Rate checked
More details - Nicolet National BankCertificate of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
4.04% interest rate · Effective Sep 23, 2026
Rate checked
More details - Knoxville TVA Employees Credit UnionCertificate AccountsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Paper statement fee $2.00/month unless enrolled in eStatements. Early withdrawal penalty: 90 days dividends for terms 17 months or less; 180 days for 18 months or more. Add 0.25% APY to dividend rate for $10,000+ new money OR direct deposit. Not applicable to 12-month term.
4.02% interest rate · $2 monthly fee · Effective Oct 22, 2026
Rate checked
More details - Summit Choice Credit UnionCertificatesCD · 36 months · $300 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000intro rateRequirements
Product: Minimum investment of $300. Early withdrawal penalties may apply. Rates valid October 1 - October 31, 2026. Membership requires purchase and maintenance of 1 share ($25.00 par value).
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 36 months · $1,000 min · 4.10%–4.15% by balance
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - Henrico Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty applies. Minimum deposit to open is $1,000. Funds compounded monthly.
Offer: Early withdrawal penalty will or may be imposed. Dividends earned on entire account balance once minimum balance is met. Membership eligibility required.
4.02% interest rate · Compounded monthly · Effective Sep 29, 2026
Rate checked
More details - Ridgeline Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Requires membership with a $25.00 share deposit in Regular Shares and membership eligibility. Early withdrawal penalty applies for early withdrawals/early maturity.
Offer: Rate is fixed for the full term. Early withdrawal penalty applies.
4.02% interest rate · Effective Sep 18, 2026
Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 36 months · $1,000 min · 4.10%–4.20% by balance
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 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 - 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 - Sun Federal Credit UnionRegular CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
4.02% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - Cinfed Credit UnionStandard CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
4.02% interest rate
Rate checked
More details - Midwest BankCertificates of Deposit (CDs)CD · 36 months · $500 min · 4.10%–4.25% by balance
Bank · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fixed rate that will not change for the term. Automatic renewal when certificate meets maturity. No setup or maintenance fees.
Offer: Term: 36 Month. Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance.
4.04% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 and upYour amount 4.10% $25,000 and upTerm: 36 Month ($25,000 or more). 4.25% 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 3-year CDs pay nationwide
4,164 CDs at 3,673 banks and credit unions · checked Oct 16–23
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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