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
- P&S Credit UnionShare Certificates of DepositCD · 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: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
Offer: Automatic renewal
Compounded quarterly
Rate checked
More details - Signature Federal Credit UnionStandard Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.99%APY$1,245 over 36 months on $10,000Requirements
Product: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
Effective May 27, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 36–59 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.91% interest rate · Effective Oct 16, 2026
Rate checked
More details - Ohio Valley Community Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.98%APY$1,242 over 36 months on $10,000Requirements
Product: Flexible terms from 3 months to 5 years, with a minimum deposit of $1000.00. Dividends compound monthly or can be transferred to savings account monthly or at maturity.
3.90% interest rate · Effective Sep 24, 2026
Rate checked
More details - Lowell Firefighters FCUCertificates of DepositsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$1,239 over 36 months on $10,000Requirements
Product: Rates fixed for the term once opened. Dividends calculated on the daily balance and compounded monthly. Early withdrawal penalty may be imposed.
3.90% interest rate · Compounded monthly · Effective Sep 23, 2026
Rate checked
More details - Northrop Grumman Federal Credit UnionCertificatesCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.97%APY$1,239 over 36 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - Homebase Credit UnionShare CertificateCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.97%APY$1,239 over 36 months on $10,000Requirements
Product: Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.
Offer: Early withdrawal penalty is 180 days of dividends.
3.90% interest rate · Effective Oct 15, 2026
Rate checked
More details - Bangor Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APY$1,239 over 36 months on $10,000Requirements
Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
3.90% interest rate · Effective Oct 6, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min · 3.97%–4.13% by balance
Credit union · Add a location to see nearby branches
3.97%APY$1,239 over 36 months on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.90% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.97% $50,001 and up 4.02% $100,001 and up 4.07% $250,001 and up 4.13% Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$1,239 over 36 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 2 (3-rung ladder: 12, 24, 36 months) or Option 3 (5-rung ladder: 12, 24, 36, 48, 60 months). All certificates established with equal amounts.
3.90% interest rate · Effective Oct 1, 2024
Rate checked
More details - Cooperative Choice Network Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APY$1,239 over 36 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly (added back to certificate, paid monthly by check, or deposited directly into Share Savings or Share Draft Account). Early withdrawals subject to penalty. Minimum deposits vary according to term lengths.
Offer: Renewal rate under Member Loyalty Program when allowing certificate to roll over with no changes.
3.90% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - Thrive Credit UnionShare CertificatesCD · 36 months
Credit union · Add a location to see nearby branches
3.96%APY$1,236 over 36 months on $10,000Requirements
Product: Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.
Offer: Dividends posted monthly.
3.90% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - State Bank of BottineauRate Watch CDsCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.96%APY$1,236 over 36 months on $10,000Requirements
Product: Variable term interest rates. Penalty may be imposed for early withdrawal. Terms from 21 to 57 months.
Offer: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
3.90% interest rate · Effective Oct 13, 2026
Rate checked
More details - Vantage West Credit UnionCertificates (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$1,236 over 36 months on $10,000with conditionsRequirements
Product: Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
Offer: Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - Greater Pittsburgh FCUShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$1,236 over 36 months on $10,000Requirements
Product: Membership eligibility required (family relationship, participating employer, or living/working/worshiping/attending school in underserved communities of Pittsburgh). Minimum deposit $500. Automatically renews upon maturity. No maintenance or set up fees.
Offer: Interest reinvests/compounds and credits quarterly. Daily balance method used. Early withdrawal penalty applies (120 days dividends). Automatically renews upon maturity.
3.90% interest rate · Effective Sep 29, 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