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 31–45 results
- Suncoast Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000Requirements
Product: Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.
Compounded daily · Effective Sep 1, 2026
Rate checked
More details - BankNewportLimited Time Offers CDCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000with conditionsRequirements
Offer: All funds must be new money (funds on deposit with BankNewport for less than 30 days). A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - TruWest Credit UnionSavings CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000intro rateRequirements
Product: Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.
Offer: Limited-time special offer valid as of 7/27/26; subject to change or end at any time without notice. Not available for IRA Savings Certificates. Available only with new money (funds not currently on deposit with TruWest Credit Union and transferred from an account at another financial institution at the time the certificate is opened). Automatic renewal to standard 12-month savings certificate.
Promotional rate · 4.40% interest rate · Effective Sep 23, 2026
Rate checked
More details - Compass Federal Credit Union18-Month CD SpecialCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$683 over 18 months on $10,000intro rateRequirements
Product: New money only, non-transferable. A penalty may be imposed for early withdrawal. Cannot be combined with any other offer. Subject to cancellation without prior notice.
Offer: New money only, non-transferable. Cannot be combined with any other offer. Subject to cancellation without prior notice. Early withdrawal penalty may apply.
Promotional rate · Effective Nov 16, 2023
Rate checked
More details - Cranberry FCUCertificates of Deposit (CD)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.49%APY$681 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply to Certificate of Deposit (CD) accounts. Fees may reduce earnings or investment below principal.
4.40% interest rate
Rate checked
More details - Weyco Community Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.49%APY$681 over 18 months on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Minimum deposit $500. Early withdrawal penalties apply. 10-day grace period at maturity.
4.40% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - Iowa Falls State BankCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.45%APY$675 over 18 months on $10,000intro rateRequirements
Product: Certificates under 6 month terms compound at maturity, all other certificates compound semi-annually. There may be penalties for early withdrawal from certificates. Above CDs auto renew at the current 12 month CD term and interest rate.
Offer: Special. Above CDs auto renew at the current 12 month CD term and interest rate. Compounds semi-annually.
Promotional rate · 4.40% interest rate
Rate checked
More details - New Orleans Firemen's Federal Credit UnionCertificateCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
4.45%APY$675 over 18 months on $10,000Requirements
Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.
Rate checked
More details - Georgia Heritage Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$675 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $500 is required. Dividends paid monthly. Automatic renewal.
Offer: 120 Days penalty may apply for early withdrawal and may reduce earnings.
4.36% interest rate
Rate checked
More details - Lake Shore BankSelect Certificate of Deposit (CD)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.44%APY$673 over 18 months on $10,000intro rateRequirements
Product: Assumes interest will remain on deposit until maturity. Early withdrawal penalties may apply. $500 minimum deposit required to open any CD.
Offer: All deposits to the 18-month CD must be new money. "New money" is defined as funds that are not currently and were not previously on deposit with Lake Shore Bank. Financial institutions, as defined in the sole discretion of Lake Shore Bank, are ineligible depositors for this product.
Promotional rate · 4.34% interest rate · Effective Oct 1, 2026
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More details - Midwest HeritageCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.42%APY$670 over 18 months on $10,000intro rateRequirements
Product: Offer limited to new, consumer certificates only. Early withdrawal penalty may be imposed. Fees may reduce earnings.
Offer: Minimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only.
Promotional rate · 4.40% interest rate · Effective Oct 9, 2026
Rate checked
More details - E*TRADE from Morgan StanleyCertificates of DepositCD · 18 months · $0 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000intro rateRequirements
Product: Fixed rates. Open minimum $0. Early withdrawal penalties apply.
Promotional rate · 4.31% interest rate · Effective Oct 16, 2026
Rate checked
More details - Academy BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.
Offer: 18-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 15, 2026
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More details - DR BankDigital Prime Certificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Digital certificate of deposit accounts. Must be funded within 30 days to remain open. Early withdrawal penalty applies. Automatic renewal at maturity with 10-day grace period. No maintenance fees.
Offer: Minimum Deposit of $500.00 required. Minimum Daily Balance required to earn APY is $500.00. Early withdrawal penalty is 270 days of interest.
4.36% interest rate · Effective Sep 15, 2026
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More details - DR BankPrime Certificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Interest credited and compounded monthly or at maturity. Early withdrawal penalty applies based on term. Account automatically renews at maturity with a 10-calendar-day grace period. No monthly maintenance fees.
Offer: Early withdrawal penalty is 270 days of interest. Minimum daily balance required to earn APY is $500.00.
4.31% interest rate · Compounded monthly · Effective Sep 15, 2026
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 18-month CDs pay nationwide
3,155 CDs at 2,801 banks and credit unions · checked Oct 15–22
- Typical
- 3.24%
- Top 10% from
- 4.07%
- Banks, typical
- 2.89%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank