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 346–360 results
- Partner Colorado Credit UnionRegular Certificate of Deposit (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000intro rateRequirements
Product: CD earning rates are fixed. A penalty will be imposed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months).
Offer: Early withdrawal penalty is 180 days of interest.
Promotional rate · 3.88% interest rate · Effective Oct 1, 2026
Rate checked
More details - Maine Savings Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using the daily balance method. Additional deposits not permitted after opening. Early withdrawal penalties apply.
3.88% interest rate · Effective Oct 15, 2026
Rate checked
More details - MemberSource Credit UnionTerm Share CertificatesCD · 48 months · $500 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.
3.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $50,000Your amount 3.95% $50,000 – $100,000 4.00% $100,000 and up 4.05% Rate checked
More details - USALLIANCE FinancialFixed Rate Certificate AccountsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000intro rateRequirements
Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
Promotional rate · 3.87% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - The First National Bank Of Nevada, MissouriBasic CDsCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: All CDs listed are fixed rate CDs. A penalty may be imposed for early withdrawal of principal during the term of a CD. Interest is accrued on the full daily balance.
3.95% interest rate · Effective Sep 22, 2026
Rate checked
More details - Spring BankCertificates of DepositCD · 48 months · $1,000 min · 3.95%–4.25% by balance
Bank · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: The Annual Percentage Yield (APY) on Certificates of Deposit assumes interest remains on deposit until maturity; a withdrawal of interest prior to maturity will reduce earnings. Penalties for early withdrawal of principal could reduce earnings, whether earned or not. Interest accrues using the daily balance method at the interest rate in effect for that balance tier.
Offer: Interest compounded: Quarterly; Interest credited: Quarterly
3.89% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $24,999Your amount 3.95% $25,000 – $99,999 4.05% $100,000 and up 4.25% Rate checked
More details - Police Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000intro rateRequirements
Product: Start for as little as $500. Flexible terms from 6 to 60 months. Dividends compound monthly. Federally insured up to $250,000.
Promotional rate · 3.88% interest rate
Rate checked
More details - St. Cloud Financial Credit UnionDiamond CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months 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 · 3.87% interest rate
Rate checked
More details - Peoples Advantage FCUShare CertificateCD · 48 months · $1,000 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
3.90% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.95% $50,000 and up 4.05% Rate checked
More details - The Federal Savings BankSpecial CD PromotionCD · 48 months · $5,000 min
Bank · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000intro rateRequirements
Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
Offer: Early withdrawal penalty is 365 days' worth of interest.
Promotional rate · 3.89% interest rate · Compounded monthly · Effective Jul 20, 2026
Rate checked
More details - P&S Credit UnionShare Certificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
Offer: Automatic renewal
Compounded quarterly
Rate checked
More details - Ergo BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.94%APY$1,672 over 48 months on $10,000intro rateRequirements
Product: Requires new money, which can consist of money from matured Ergo Bank CDs, savings, money market and checking accounts. Early withdrawal penalty applies. Withdraw or reinvest funds at full maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies. Requires new money. Any withdrawal reducing balance below minimum may be treated as withdrawal of entire balance.
Promotional rate · 3.90% interest rate · Effective Oct 22, 2026
Rate checked
More details - Tinker Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.79%–4.36% by balance
Credit union · Add a location to see nearby branches
3.94%APY$1,672 over 48 months on $10,000Requirements
Product: Earns monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Deposits may not be made after opened until maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 300 Days.
3.73% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.79% $10,000 and upYour amount 3.94% $25,000 and up 4.15% $50,000 and up 4.26% $99,000 and up 4.36% Rate checked
More details - Farmers & Merchants Union BankEveryday Certificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.94%APY$1,672 over 48 months on $10,000Requirements
Product: Upon maturity, 10 calendar days grace period to withdraw funds or CD automatically renews. Early withdrawal penalties and other fees may apply.
Offer: Daily balance method to obtain APY.
3.90% interest rate · Effective Sep 29, 2026
Rate checked
More details - Seaboard Federal Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.85% interest rate · Effective Oct 7, 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 4-year CDs pay nationwide
3,258 CDs at 2,924 banks and credit unions · checked Oct 16–23
- Typical
- 3.00%
- Top 10% from
- 3.99%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.20%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank