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 376–390 results
- GFA FCUTerm Share CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Dividends can compound, be paid by check, or transferred to an account monthly (min. $10.00). Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.
Offer: Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.
4.07% interest rate
Rate checked
More details - Notre Dame Federal Credit UnionStandard CertificateCD · 12–23 months · $0 min
Credit union · Add a location to see nearby branches
4.15%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - Coastal Credit UnionCertificatesCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Fixed rate locked for term. Dividends compound daily. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty applies. Must maintain membership share in Primary Savings.
Offer: Minimum balance of $250 required to earn stated APY. Fixed rate for 12 months.
4.07% interest rate · Effective Sep 28, 2026
Rate checked
More details - Credit Union WestCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Compounding dividends computed daily and paid quarterly. Automatically renews at maturity. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications. Additional deposits not allowed once opened.
4.09% interest rate · Effective Oct 1, 2026
Rate checked
More details - NGM Employees FCUTerm Share CDCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000intro rateRequirements
Product: To qualify for the $250 opening deposit, you must be bringing new money to your NGM Credit Union accounts. For transfer of funds from existing NGM Credit Union accounts to a CD the opening balance is $1,000. 2 months dividend penalty applies for early withdrawal on all terms. Specific disclosure about the Term Share Account is available at the Credit Union when you open a new account or upon request. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund up to $250,000.
Offer: Promotional rate. $250 opening deposit requires new money; $1,000 opening balance for transfers from existing NGM Credit Union accounts.
Promotional rate · Effective Jan 21, 2026
Rate checked
More details - Capital Credit Union of North Dakota12-Month Special Certificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000intro rateRequirements
Product: Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 12 months, balance automatically rolls into a regular 12-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.
Offer: Requires 100% new money. Automatically rolls over into a regular 12-Month CD at maturity.
Promotional rate · 4.08% interest rate · Effective Jun 1, 2026
Rate checked
More details - Border BankOptions 12 CD SpecialCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000intro rateRequirements
Product: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply. Allows one additional deposit less than or equivalent to initial deposit, one penalty-free withdrawal of up to 50% of current balance, and one rate change during the term.
Offer: $5,000 minimum to open; limited time offer; not available for public funds or IRAs; early withdrawal penalty may apply. Make one additional deposit less than or equivalent to initial deposit; make one penalty free withdrawal of up to 50% of current balance; rate may be changed one time during the term.
Promotional rate
Rate checked
More details - S. Middlesex FCUShare Certificates of Deposit (CD)CD · 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: Minimum deposit of $1,000. Dividends compounded and credited monthly. Account does not automatically renew at maturity.
4.07% interest rate · Effective Sep 15, 2026
Rate checked
More details - People First Federal Credit UnionShare CertificateCD · 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 opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.
Offer: Penalty for early withdrawal.
4.07% interest rate · Effective Aug 5, 2026
Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.14%–4.34% by balance
Credit union · Add a location to see nearby branches
4.14%APY$414 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
Offer: Tier 1
4.06% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $50,000Your amount 4.14% $50,000 – $99,000Tier 2 4.24% $99,000 and upTier 3 4.34% Rate checked
More details - Slovenian Savings & LoanCertificateCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.14%APY$414 over 1 year on $10,000Requirements
Offer: 12 Month Certificate; early withdrawal penalty applies (3 months interest loss).
4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - FreedomBankCertificate of DepositCD · 12 months · $1,000 min · 4.14%–4.30% by balance
Bank · Add a location to see nearby branches
4.14%APY$414 over 1 year on $10,000Requirements
Product: $1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
4.10% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $25,000Your amount 4.14% $25,000 – $100,000 4.14% $100,000 and up 4.30% Rate checked
More details - Radiant Credit UnionAdjustable Rate CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.14%APY$414 over 1 year on $10,000Requirements
Product: Adjustable-Rate Certificate Annual Percentage Yield (APY) changes bi-annually on January 1st and July 1st. Compounded daily. Funds insured up to $250,000 by NCUA.
Offer: APY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.05% APY. Compounded daily.
4.06% interest rate · Compounded daily
Rate checked
More details - Gratiot Community Credit UnionTimed CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,0004.05% interest rate · Effective Oct 7, 2026
Rate checked
More details - AllSouth Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.13%–4.23% by balance
Credit union · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000Requirements
Product: Fixed-Term Savings. Higher Dividends. Earn dividends based on your certificate balance and rate, with fixed terms from 3 to 60 months. Dividends will be compounded monthly and credited monthly. Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account. $1,000 minimum balance to open. 7-day grace period after maturity. Open 3, 6, 12-month terms online or open longer term certificates at one of our locations.
Offer: Dividends compounded monthly and credited monthly. Subject to early withdrawal penalty.
4.05% interest rate · Compounded monthly · Effective Oct 20, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 4.13% $10,000 and upYour amount 4.13% $25,000 and up 4.13% $50,000 and up 4.18% $75,000 and up 4.18% $100,000 and up 4.23% Rate checked
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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 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