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 421–435 results
- Regional Missouri BankDream Fund CDCD · 48 months · $100 min
Bank · Add a location to see nearby branches
4.42%APY$1,889 over 48 months on $10,000Requirements
Product: Fixed rate higher than standard savings. Additional deposits accepted. No setup or maintenance fees. Early withdrawal penalty for 4-year maturity is 365 days interest.
Offer: APY assumes quarterly compounding of interest. Early withdrawal penalty for 4-year maturity is 365 days interest.
4.35% interest rate · Effective Oct 13, 2026
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More details - Minnesota Valley Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.42%APY$1,889 over 48 months on $10,000Requirements
Product: Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
Offer: Dividends compound quarterly. Early withdrawal penalty of 270 days dividend applies.
4.35% interest rate · Effective Sep 22, 2026
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More details - Federated Employees Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.42%APY$2,414 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.35% interest rate · Effective Oct 1, 2026
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More details - Headwaters State BankCertificate of DepositCD · 7 months · $5,000 min
Bank · Add a location to see nearby branches
4.41%APY$255 over 7 months on $10,000Requirements
Product: Rates are subjected to change at any time.
4.32% interest rate · Effective Oct 1, 2026
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More details - SJP Federal Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$218 over 6 months on $10,000Requirements
Product: Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.
Offer: Fixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies.
Effective Oct 1, 2026
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More details - Neighbors Credit UnionCertificates of DepositCD · 7 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$254 over 7 months on $10,000Requirements
Product: Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.
Offer: Special CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee.
Effective Oct 17, 2026
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More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 7 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$254 over 7 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.
Qualified rate · 4.30% interest rate · Effective Oct 16, 2026
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More details - Cornerstone Community Financial Credit UnionCertificate of DepositCD · 7 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$254 over 7 months on $10,000intro rateRequirements
Product: Must maintain an average daily balance of $1,000 to earn the APY. A penalty may be imposed for early withdrawals.
Offer: NEW MONEY Special Offer. Funds must be new money not already on deposit at CCFCU. Maximum CD amount is $500,000. Product may be modified or discontinued at any time.
Promotional rate · 4.40% interest rate · Balance cap $500,000 · Effective Nov 1, 2025
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More details - WaterStone BankPromotional Certificate of DepositCD · 9 months · $5,000 min
Bank · Add a location to see nearby branches
4.40%APY$328 over 9 months on $10,000intro ratePromotional rate · 4.31% interest rate · Effective Oct 5, 2026
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More details - 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
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More details - Dundee BankCertificates of DepositCD · 11 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$403 over 11 months on $10,000Requirements
Offer: Special CD rate. Opening deposit must be made with new money (funds deposited into a Dundee Bank account from another financial institution, not on deposit in the last 30 days). Early withdrawal penalty may apply.
4.33% interest rate · Effective Sep 24, 2026
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More details - ACCESSbankCertificate of DepositCD · 11 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$403 over 11 months on $10,000intro rateRequirements
Product: Interest paid quarterly and at maturity. Early withdrawal penalty may apply. Automatic rollovers and reminders before maturity provided.
Offer: Special rate. Applies to new money. Interest paid quarterly and at maturity.
Promotional rate · 4.33% interest rate
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More details - Marcus by Goldman SachsHigh-Yield CDCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.
Offer: $500 minimum to open and earn stated APY.
Effective Oct 23, 2026
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More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 19, 2026.
Offer: Minimum average daily balance to earn APY is $500.
4.33% interest rate · Effective Oct 19, 2026
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More details - First National Bank of PanaCD SpecialCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Call or stop in for full details. Special terms available: 6, 12, 18, 24, 30, and 36 months. Min deposit $1000.
Offer: Annual Percentage Yield of 4.40% for 12 Months. Min deposit $1000.
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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 CDs pay nationwide
37,723 CDs at 4,647 banks and credit unions · checked Oct 22–24
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank