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
- St. Cloud Financial Credit UnionDiamond CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$420 over 1 year on $10,000with conditionsRequirements
Product: Requires Diamond Membership: active Diamond Checking account (requires at least 15 SCFCU debit/credit card transactions per qualification cycle and electronic statements) AND a new or existing loan or SCFCU Credit Card. Minimum deposit $500. Not available for business or commercial members.
Offer: Requires Diamond Membership qualifications.
Qualified rate · 4.11% interest rate
Rate checked
More details - Redwood Credit UnionPersonal Savings CertificatesCD · 12–17 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APYwith conditionsRequirements
Product: Must be an RCU Member (live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of a current Member; or work for a Select Employer Group). $1,000 minimum deposit. Early withdrawal penalty applies.
Offer: Requires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions).
Qualified rate · 4.12% interest rate · Effective Sep 16, 2026
Rate checked
More details - Luana Savings BankCertificate of Deposit (CD)CD · 12 months · $2,000 min · 4.19%–4.35% by balance
Bank · Add a location to see nearby branches
4.19%APY$419 over 1 year on $10,000Requirements
Product: Open online nationwide or at any branch. $2,000 minimum opening deposit (excludes Kid's CD). No setup or maintenance fees.
4.15% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $2,000 – $100,000Your amount 4.19% $100,000 and up 4.35% Rate checked
More details - Metz Banking CompanyCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.19%APY$419 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Interest is compounded daily on all certificates.
4.10% interest rate · Compounded daily · Effective Oct 9, 2026
Rate checked
More details - Lake Huron Credit UnionCertificates of DepositCD · 12 months
Credit union · Add a location to see nearby branches
4.19%APY$419 over 1 year on $10,0004.10% interest rate
Rate checked
More details - Bank of the Flint HillsCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: $500 opening deposit. Automatically renews at maturity. 10 day grace period for changes or withdrawals. Early withdrawal penalty applies. Interest compounded and credited quarterly.
Offer: $500 minimum balance required to obtain APY. Early withdrawal penalty equals six months interest. Automatically renews.
4.12% interest rate · Effective Oct 13, 2026
Rate checked
More details - All In Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.18%–4.23% by balance
Credit union · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
4.10% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.18% $100,000 and upJumbo 4.23% Rate checked
More details - Weyco Community Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Minimum deposit $500. Early withdrawal penalties apply. 10-day grace period at maturity.
4.10% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - The Banks of Buffalo Gillette Sheridan12 Month CDCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: APY is subject to change. A penalty may be imposed for early withdrawal.
Offer: APY is subject to change. A penalty may be imposed for early withdrawal.
4.10% interest rate
Rate checked
More details - Purdue Federal Credit UnionSavers' CertificateCD · 12 months · $50 min
Credit union · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: Variable rate. Additional deposits required. Membership eligibility required. $5 deposit in Member Ownership Share required.
Offer: Dividend Rate formula: T-Bill + 0.00%. Variable rate.
Effective Oct 1, 2026
Rate checked
More details - Alliance Community BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - Bloomington Municipal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.17%APY$417 over 1 year on $10,000Requirements
Product: Minimum balance $1000 required. Penalty for early withdrawal. Dividends compounded monthly.
Offer: $1000.00 minimum balance is required. There is a penalty for early withdrawal. Dividends compounded monthly.
4.10% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - 1st Security BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.17%APY$417 over 1 year on $10,000with conditionsRequirements
Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.
Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.
Qualified rate · Balance cap $240,000 · Effective Oct 13, 2026
Rate checked
More details - Freedom Credit UnionCertificate AccountCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.17%APY$417 over 1 year on $10,000Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
4.10% interest rate · Effective Oct 7, 2026
Rate checked
More details - All In Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
Offer: 12 Month Variable
4.08% interest rate · Effective Oct 9, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay nationwide
5,321 CDs at 4,376 banks and credit unions · checked Oct 22–23
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.45%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank