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 451–465 results
- IH Mississippi Valley Credit UnionCDsCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: $250 deposit required to open this account. $250 min. average daily balance required to earn dividends. There may be a penalty for early withdrawal. Dividends compounded monthly. Insured up to $250,000 by NCUA.
3.93% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Rize Credit UnionTraditional CertificateCD · 18 months
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Early withdrawal subject to penalty on all Certificates and could reduce the earnings on the account.
Offer: Early withdrawal subject to penalty.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank of MagnoliaCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Compounded monthly. Penalty for early withdrawal. Service fees or penalties charged against the account may reduce earnings. Rates subject to change.
Offer: Compounded monthly.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Superior Credit UnionRegular Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 180-day penalty for early withdrawal.
3.94% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - St. Pius Federal Credit UnionShare CertificatesCD · 18 months · $500 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Membership subject to eligibility.
3.92% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.00% $100,000 and upJumbo 4.10% Rate checked
More details - TopLine Financial Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - Multi-States Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000with conditionsRequirements
Product: The minimum amount required to open a Certificate of Deposit is $1,000. Penalty may apply for early withdrawal.
Qualified rate · Effective Sep 30, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 18 months · $500 min · 4.00%–4.15% by balance
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 4.00% $100,000 and upJumbo tier. 4.15% Rate checked
More details - Governmental Employees Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000intro rateRequirements
Product: Membership eligibility required. Early withdrawals are subject to penalty. No monthly maintenance fees or setup fees.
Offer: CD Special / Hole in One Rates. Early withdrawals are subject to penalty.
Promotional rate · 3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - American Bank (Baxter Springs, KS)Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,0003.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Stoneham Municipal Employees Federal Credit UnionTerm Share CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Substantial penalties for early withdrawals may apply. If applicable, fees could reduce earnings.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - St. Anne's Credit UnionCertificates of DepositsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Dividend rate is compounded monthly and paid monthly. Renewed automatically at the end of a 10 calendar day grace period. A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts.
Compounded monthly
Rate checked
More details - AllCom Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: AllCom membership is required. Early withdrawal penalty may apply. Dividends paid monthly or at maturity to CD, another account, or by check.
Offer: Regular CD
Rate checked
More details - Washington Savings BankCertificates of Deposit (CDs)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: A penalty may be assessed for funds withdrawn prior to maturity on all certificates of deposits. Once a certificate of deposit account is opened, it maintains the opening rate for the length of its term. You must maintain a minimum balance of $10.00 in an account to earn the stated APY. $500 minimum deposit to open.
3.87% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Internet BankPersonal Certificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$606 over 18 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: 180 days interest.
3.93% interest rate · Effective Oct 2, 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 18-month CDs pay nationwide
3,154 CDs at 2,793 banks and credit unions · checked Oct 22–24
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.90%
- 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