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 316–330 results
- Farmers & Merchants State Bank48 Month CDCD · 48 months · $1,000 min · 4.00%–4.50% by balance
Bank · Add a location to see nearby branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
4.00% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 48 Month CD Balance APY $1,000 and up 4.00% $10,000 and upYour amount 4.50% $100,000 and up 4.50% Rate checked
More details - Midwest BankCertificates of Deposit (CDs)CD · 54 months · $500 min
Bank · Add a location to see nearby branches
4.50%APY$2,191 over 54 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: 54 Month \"Special\". Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance. Upon maturity, if not cashed in will automatically renew for 48 months at the 48 month rate at that time.
4.43% interest rate · Effective Oct 12, 2026
Rate checked
More details - Meadowland Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.
4.43% interest rate · Effective Oct 22, 2026
Rate checked
More details - Beacon Credit UnionRegular Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.
4.41% interest rate · Compounded monthly · Effective Oct 21, 2026
Rate checked
More details - Members Heritage CUTerm Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000intro rateRequirements
Product: Minimum balance $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
Offer: Term 5 Year.
Promotional rate · 4.41% interest rate · Effective Oct 22, 2026
Rate checked
More details - Langley Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Requires $5 deposit to Langley savings account for membership. Early withdrawal penalties apply (90 days dividends for 3-6 months, 180 days dividends for 12 months or greater). Dividends compound monthly.
4.41% interest rate
Rate checked
More details - Synchrony BankCertificate of Deposit (CD)CD · 60 months · $0 min
Bank · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.40% interest rate · Effective Oct 22, 2026
Rate checked
More details - Alpine Credit UnionValue CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Pays the highest dividend rate. Maturity date options 3-60 months. Auto renewal. Standard maturity terms are 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years. If non-standard term is selected, renews at next shortest standard term. 10-day grace period after renewal.
4.43% interest rate
Rate checked
More details - Cyprus Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
4.41% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cyprus Credit UnionDream CertificateCD · 60 months · $20 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
Offer: Earns traditional certificate APY.
4.41% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
Rate checked
More details - Central BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
4.40% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - The Commercial BankCertificates of Deposit (CDs)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: May have an early withdrawal penalty. Can be set to automatically renew.
Offer: Early withdrawal penalty: 12 Months.
Effective Oct 15, 2026
Rate checked
More details - Signal FinancialShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
4.40% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - Corazo Credit UnionRegular CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000intro rateRequirements
Product: Short-term (< 1 year) or long-term (> 1 year). Dividends can be compounded, mailed, or deposited to savings or checking. Flexibility to make deposits anytime during certificate term. NCUA insured up to $250,000.
Offer: Fixed rate type. Minimum balance to earn dividend is $500.
Promotional rate · 4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - OceanAir Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply.
Offer: Requires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date.
4.41% interest rate
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 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