Skip to content

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.

Term
Type a ZIP code, city, county, metro area or state, then choose a suggestion with the arrow keys and Enter.

Top CD rates

Showing 31–45 results

  1. Top Carrot, Carrot Score 87
    Heartland Credit UnionCertificateCD · 48 months · $500 min · 4.50%–4.55% by balance

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  2. Top Carrot, Carrot Score 88
    Energy Credit UnionCertificate of DepositCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  3. Excel Federal Credit UnionShare Certificates/CDsCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000with conditions
  4. Top Carrot, Carrot Score 93
    NASA Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  5. Top Carrot, Carrot Score 98
    Barclays Bank DelawareBarclays Online CDsCD · 48 months · $0 min

    Bank · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  6. Arkansas Federal Credit UnionRegular CertificateCD · 48–59 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY
  7. Top Carrot, Carrot Score 92
    Pittsford Federal Credit UnionCertificatesCD · 48 months · $50 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  8. Top Carrot, Carrot Score 88
    Blaze Credit UnionPremium CertificateCD · 48 months · $10,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  9. Top Carrot, Carrot Score 88
    Gerber Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  10. Top Carrot, Carrot Score 98
    Auburn University Credit UnionShare CertificatesCD · 48–53 months · $2,500 min · 4.50%–4.61% by balance

    Credit union · Add a location to see nearby branches

    4.50%APYintro rate
  11. Top Carrot, Carrot Score 99
    Maine Family Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  12. Farmers & Merchants State Bank48 Month CDCD · 48 months · $1,000 min · 4.00%–4.50% by balance

    Bank · Add a location to see nearby branches

    4.50%APY$1,925 over 48 months on $10,000
  13. Top Carrot, Carrot Score 89
    Putnam County State BankCertificates of DepositCD · 48–59 months · $500 min · 3.56%–4.59% by balance

    Bank · Add a location to see nearby branches

    4.49%APY
  14. Top Carrot, Carrot Score 96
    Cornhusker BankCertificates of DepositCD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.46%APY$1,907 over 48 months on $10,000
  15. Top Carrot, Carrot Score 94
    Members Heritage CUTerm Share CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.45%APY$1,902 over 48 months on $10,000intro rate

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 4-year CDs pay nationwide

3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
3.98%
Banks, typical
2.50%
Credit unions, typical
3.20%

Is your bank paying you enough?

Find your bank or credit union to see all its rates and how they compare near you.

Suggestions appear after two characters. Use arrow keys and Enter to choose an institution, or submit to see all matches.

Nationwide

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate