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
- Railway Credit UnionCD InvestmentsCD · 6 months · $2,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: $2,000 minimum. Rates advertised as high as. Effective October 7, 2026.
Offer: CD Specials. $2,000 minimum. Effective October 7, 2026.
3.93% interest rate · Effective Oct 7, 2026
Rate checked
More details - Ironworkers USA Credit UnionShort-Term CertificateCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.
3.94% interest rate · Effective Oct 13, 2026
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificates $500 or MoreCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Treasure Valley rates. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
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More details - Pioneer Federal Credit UnionTerm CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
Offer: Minimum balance of $500 to earn APY; early withdrawal penalty applies.
3.93% interest rate · Effective Oct 21, 2026
Rate checked
More details - Service Credit UnionShare CertificatesCD · 6 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.
Offer: Additional deposits allowed after opening for 6-Month Share Certificate. Dividends compounded and credited monthly.
3.93% interest rate · Effective Oct 16, 2026
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More details - Cyprus Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 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.
3.93% interest rate
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More details - Cyprus Credit UnionDream CertificateCD · 6 months · $20 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 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.
3.93% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
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More details - Waukesha State BankCertificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Rates and terms apply to regular and jumbo CDs up to $1 million. Advance approval required over $1 million. Penalty for early withdrawal may apply. Fees could reduce earnings.
Offer: APY compounded monthly.
3.93% interest rate · Compounded monthly · Balance cap $1,000,000
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More details - Neighborhood Credit UnionStandard CertificatesCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
Offer: 6 months term. Interest compounded daily. Additional deposits not allowed.
3.92% interest rate · Compounded daily · Effective Sep 23, 2026
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More details - Heritage USA Federal Credit UnionTerm Share Accounts (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Membership required (minimum $5 share deposit). $500 minimum deposit, new money only (money not currently on deposit with Heritage USA FCU). Auto-renews unless instructed by depositor. Fixed interest rate. Penalty for early withdrawal. Compounded daily, paid quarterly.
Offer: $500 minimum deposit, new money only. Compounded daily, paid quarterly.
3.93% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - SECNY Federal Credit UnionCertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly, or at maturity for 30 Day & 3 Month certificates. Automatically renews with a 10-day grace period. Substantial penalty for early withdrawal.
Offer: Standard rate without $5,000 New Money requirement: 6-month term as high as 4.00% APY. Dividends compounded and credited monthly. Account # 34.
Effective Oct 8, 2026
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More details - Ocean Financial Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Requires $5 minimum deposit in Share Account prior to opening a Certificate. Early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - First Bank ChicagoCertificates of Deposit (CD)CD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.
3.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - SUMA Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Rates effective as of 10/13/2026. Early withdrawal penalties apply as shown per term. Minimum opening balance applies.
Offer: Penalty for early withdrawal: 3 Months Dividends.
3.92% interest rate · Effective Oct 13, 2026
Rate checked
More details - Northern Credit UnionShare CertificatesCD · 6 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000with conditionsRequirements
Product: Federally insured by NCUA up to $250,000. $500 minimum balance required to open a certificate of deposit ($10,000 minimum for 3-Month, 6-Month, and 10-Month certificates). Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account.
Offer: Best tier. Requires all requirements of Better tier, with combined balances >$25,000.
Qualified rate · Effective Oct 13, 2026
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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 6-month CDs pay nationwide
4,547 CDs at 3,998 banks and credit unions · checked Oct 16–23
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank