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
- Topeka Police Credit Union3-Year CD SpecialCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000intro rateRequirements
Product: Must be new money. Unlimited deposits allowed for the duration.
Offer: Requires new money; $500 minimum opening deposit; unlimited deposits allowed for the duration.
Promotional rate · 3.94% interest rate · Effective Mar 3, 2026
Rate checked
More details - Topeka Police Credit Union3 Year SpecialCD · 36 months
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000intro ratePromotional rate · 3.94% interest rate · Effective Mar 3, 2026
Rate checked
More details - First Internet BankPersonal Certificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Terms from 3 to 60 months. Minimum opening balance $1,000. Rates fixed for term. Auto-renews at maturity with 10-day grace period for penalty-free withdrawal. Early withdrawal penalty based on term length: 90 days interest for 1–3 months; 180 days interest for 4–18 months; 360 days interest for 19+ months.
Offer: Interest compounded and credited monthly. Early withdrawal penalty: 360 days interest.
3.93% interest rate · Effective Oct 2, 2026
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More details - Notre Dame Federal Credit UnionStandard CertificateCD · 36–47 months · $0 min
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
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More details - Via Credit UnionShare CertificatesCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Requires maintaining membership with $5.00 par value share. Minimum $500 balance. Dividends calculated daily and credited monthly. Early withdrawal penalty applies (3-17 months: 60 days dividends; 18 months or greater: 180 days dividends). 10-day grace period at renewal.
Offer: Dividend rate 3.93%. Monthly dividend period.
3.93% interest rate · Effective Sep 30, 2026
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More details - CommunityWide Federal Credit UnionCW CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Offer: Dividends paid at end of each month.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - LGE Community Credit UnionCertificates / CDCD · 36 months · $1,000 min · 4.00%–4.11% by balance
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Membership eligibility required. Minimum opening deposit amount starts at $1,000.00. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding.
Offer: Early withdrawal penalty: 270 Days Dividends.
3.92% interest rate · Compounded monthly · Effective Sep 25, 2026
Rate by balance
Rate by balance for Certificates / CD Balance APY $1,000 and upYour amount 4.00% $100,000 and up 4.11% $250,000 and up 4.11% Rate checked
More details - Ashland Credit UnionStandard Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Terms available from 6 months to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $500. Early withdrawal penalty may apply.
3.93% interest rate · Compounded monthly · Effective Oct 4, 2026
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More details - Congressional Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000intro rateRequirements
Product: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
Promotional rate · 3.92% interest rate · Effective Oct 4, 2026
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More details - Coastal Credit UnionCertificatesCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months 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 36 months.
3.93% interest rate · Effective Sep 28, 2026
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More details - State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.
Offer: Interest payout is mandatory and must transfer monthly to another SECU deposit account.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Family Trust Federal Credit UnionCertificatesCD · 36 months · $500 min · 4.00%–5.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Range of terms available from 3 to 60 months. No opening or maintenance fees. Dividend period, compounding and crediting are quarterly. Rates are variable/determined weekly and dividend rate is fixed for the term after opening. A penalty may be imposed for early withdrawals, excluding earned dividends.
Offer: Bump Your Rate Certificate: Once, during the term of the certificate, the dividend rate may be upgraded to match the same product 36 month certificate dividend rate offered at the time of the bump request, which will be fixed for the remainder of the term. To qualify for this certificate, you must have a personal checking account with direct deposit.
3.94% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 4.00% $20,000 and up 4.25% $100,000 and up 5.00% Rate checked
More details - Town and Country Credit UnionCertificate of Deposit (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Interest compounded and paid monthly on average daily balance. Penalty for early withdrawal. Terms of 36 months or greater allow for one bump-up / step-up to the current rate after 12 months.
Offer: Allows for one step-up/bump-up to the current rate during the term after 12 months. Auto-renews at the current rate with a 10 day grace period.
Effective Oct 1, 2026
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More details - APL Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Dividends are calculated daily, compounded and paid monthly and at maturity. Early withdrawal penalties apply and may reduce earnings.
Offer: Minimum balance of $1,000 to open.
3.93% interest rate · Effective Oct 4, 2026
Rate checked
More details - Kaua'i Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,0003.94% interest rate · Effective Jun 1, 2026
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 3-year CDs pay nationwide
4,160 CDs at 3,669 banks and credit unions · checked Oct 22–24
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank