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 331–345 results
- Regional Missouri BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min · 4.16%–4.32% by balance
Bank · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Fixed rate for initial term. Penalty for early withdrawal may apply; early withdrawal fees may reduce earnings and could reduce principal deposit. No setup or maintenance fees.
Offer: APY assumes quarterly compounding of interest. Early withdrawal penalty for 1 to 3-year maturity is 180 days interest.
4.10% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 4.16% $50,000 and upJumbo CD. 4.32% Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Penalty for early withdrawal.
4.10% interest rate · Effective Jun 22, 2026
Rate checked
More details - Federated Employees Credit UnionTerm Share 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: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - New Albin Savings BankCertificates of DepositCD · 12 months · $1,000 min · 4.16%–4.27% by balance
Bank · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Available terms range from 3 months to 5 years. Minimum balance to open a certificate is $1,000. Interest compounded and credited quarterly, semi-annually, or annually. Penalty for early withdrawal. APY based on quarterly compounding.
Offer: Penalty for early withdrawal. APY based on quarterly compounding.
4.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 4.16% $100,000 and up 4.27% Rate checked
More details - Valley Credit UnionCertificates (CD)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Minimum deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply.
4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - Central Willamette Credit UnionFlex 12 CDxCD · 12 months · $750 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000intro rateRequirements
Product: Variable dividend rate and APY effective 10/01/2026 through 12/31/2026. Rate is market-linked, determined by the 3-month Treasury Bill auction investment rate on or about the 26th day of the last month of each quarter, effective on the first business day of the next quarter. Minimum opening deposit is $750. Subsequent deposits can be added at a minimum of $2,500 or more per deposit at any time. Early withdrawal penalty applies.
Offer: Variable rate based on 3-Month Treasury Bill. Minimum opening deposit $750; subsequent deposits $2,500 or more.
Promotional rate · 4.08% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lauderdale County Teachers Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Rates subject to change. Please contact the credit union to confirm the most current rate.
4.10% interest rate · Effective Mar 12, 2025
Rate checked
More details - Proponent Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 4.10%–4.20% by balance
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Membership eligibility required. Penalties apply for early withdrawals from certificate accounts. Fees may reduce earnings. Dividends are compounded daily and credited monthly. Funds insured by NCUA up to $250,000 per depositor.
4.03% interest rate · Compounded daily · Effective Oct 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 4.10% $10,000 – $25,000Your amount 4.15% $25,000 and up 4.20% Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
Offer: All balance tiers.
Compounded daily
Rate checked
More details - Texell Credit UnionTerm Share CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Dividends paid quarterly. Insured up to $500,000 ($250,000 NCUA and $250,000 Excess Share Insurance Corp).
Offer: Minimum daily balance of $1,000 required to earn dividends. Penalty for early withdrawal. Minimum to avoid service charge is $0.
Effective Oct 22, 2026
Rate checked
More details - Southern FCUCertificate of DepositCD · 12 months · $1,000 min · 4.15%–4.25% by balance
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000with conditionsRequirements
Product: Minimum opening balance is $1,000.00. Early withdrawal penalty may apply. Dividends paid monthly. Automatically renewable.
Offer: Under $75,000 in Total Shares
Qualified rate · Effective May 8, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $75,000Your amount 4.15% $75,000 and upOver $75,000 in Total Shares - Platinum Bump Up 4.25% Rate checked
More details - DATCUCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: A minimum deposit of $1,000 is required to open, maintain and earn interest. You must maintain a minimum balance of $1,000 throughout the term or the CD must be redeemed. Early withdrawal penalty may be imposed.
Offer: A minimum deposit of $1,000 is required to open, maintain and earn interest. A penalty may be imposed for early withdrawal.
Effective Oct 14, 2026
Rate checked
More details - Falls Catholic Credit UnionTerm Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Minimum deposit $500. Automatic renewal at maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if closed before credited.
Offer: Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if account is closed before accrued dividends have been credited.
Effective Oct 1, 2026
Rate checked
More details - Miami Firefighters Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,0004.07% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Effective Oct 22, 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 1-year CDs pay nationwide
5,320 CDs at 4,376 banks and credit unions · checked Oct 22–24
- 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