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 361–375 results
- 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
Rate checked
More details - Solvay Bank6 Month Certificate of Deposit SpecialCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - Solvay BankCertificates of Deposit (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.92% interest rate
Rate checked
More details - Philadelphia Federal Credit UnionJumbo CertificateCD · 6 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.92% interest rate
Rate checked
More details - Slovenian Savings & LoanCertificateCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Offer: 182 Day Certificate; early withdrawal penalty applies (3 months interest loss).
3.91% interest rate · Effective Oct 9, 2026
Rate checked
More details - OE Federal Credit UnionShare CertificatesCD · 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: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - MERCO Credit UnionTerm CertificatesCD · 6–60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Offer: Flex Term Promotion (6-60 Months)
Promotional rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Atomic Credit UnionCertificatesCD · 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: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
3.92% interest rate
Rate checked
More details - The Pioneer Savings BankCertificate of DepositCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Rates are subject to change without notice. Early withdrawal penalties may apply on certificates.
Offer: CD Special is for New Money Only. New Money is defined as funds not currently held on deposit with this institution.
Promotional rate · 3.94% interest rate
Rate checked
More details - Firelands Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
3.92% interest rate · Effective May 1, 2026
Rate checked
More details - OC 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: Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.
Offer: PremiumPlus Membership (Basic + 25 bps).
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Variable Rate Certificates of Deposit (CDs) are subject to adjustment weekly according to market conditions and management discretion. Cannot be opened online. Additional deposits can be made to existing variable rate CDs. Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: $250 minimum opening deposit, or $10 with automatic transfer. Interest paid quarterly. Rate adjusts weekly.
3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid at maturity.
3.96% interest rate · Effective Oct 9, 2026
Rate checked
More details - The Cornerstone BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,0003.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Blackhawk Community Credit UnionShare CertificateCD · 6 months · $1,000 min · 3.50%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,0003.46% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.50% $10,000 and upYour amountJumbo Certificate 4.00% 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 6-month CDs pay nationwide
4,546 CDs at 3,994 banks and credit unions · checked Oct 22–23
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank