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Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

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Top CD rates

Showing 451–465 results

  1. Top Carrot, Carrot Score 89
    Desco Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  2. Maine Highlands Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  3. Top Carrot, Carrot Score 95
    Albright Credit UnionShare Certificates of DepositCD · 48 months · $2,500 min

    Credit union · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  4. First State Bank of Beecher CityCertificates of DepositCD · 48 months · $500 min

    Bank · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  5. Balboa Thrift and LoanJumbo Certificates of DepositCD · 48 months · $10,000 min

    Bank · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  6. Top Carrot, Carrot Score 91
    Nashville Firemen’s Credit UnionShare CertificateCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  7. Rocky Mountain Credit UnionTerm CertificateCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  8. Tucumcari Federal Savings & Loan AssociationCertificates of DepositCD · 48 months · $10,000 min

    Bank · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  9. StagePointShare Certificate AccountsCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    3.82%APY$1,618 over 48 months on $10,000
  10. Top Carrot, Carrot Score 95
    HEFCUShare CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    3.82%APY$1,616 over 48 months on $10,000
  11. Top Carrot, Carrot Score 93
    UMassFiveTerm DepositsCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    3.81%APY$1,613 over 48 months on $10,000
  12. Top Carrot, Carrot Score 95
    Freedom Credit UnionCertificate AccountCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    3.81%APY$1,613 over 48 months on $10,000
  13. Top Carrot, Carrot Score 87
    First Eagle Federal Credit UnionShare CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    3.81%APY$1,613 over 48 months on $10,000
  14. Mountain Heritage Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    3.81%APY$1,613 over 48 months on $10,000
  15. Top Carrot, Carrot Score 93
    Members 1st Credit UnionCertificates of DepositCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    3.80%APY$1,611 over 48 months on $10,000

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

3,254 CDs at 2,920 banks and credit unions · checked Oct 22–24

Typical
3.00%
Top 10% from
4.00%
Banks, typical
2.50%
Credit unions, typical
3.20%

Is your bank paying you enough?

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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
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CD rates by state

Best CD Rates of October 2026 | Carrot Rate