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 466–480 results
- United Financial Credit Union16 Month CD Special (New Money)CD · 16 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$591 over 16 months on $10,000intro rateRequirements
Product: Fixed rate for term. Minimum deposit $500. Valid on new money only. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.
Offer: Valid on New Money Only. Minimum investment $500.
Promotional rate · 4.31% interest rate · Effective Oct 5, 2026
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More details - Iowa State BankFall CD SpecialsCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Available with $1,000 new deposit (or without new deposit). Early withdrawals subject to penalty (withdrawal penalty-18 months interest). Rates are subject to change without notice. Stop in to any branch to take advantage of this deal.
Offer: 18 Month Term with $1,000 new deposit. Withdrawal penalty-18 months interest. Stop in to any branch.
Effective Oct 23, 2026
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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 10/23/2026 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 23, 2026
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More details - Empeople Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.31% interest rate
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More details - Associated Healthcare Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: 18 Month CD Special. Requires 100% New Money. Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 4.33% interest rate · Effective Oct 1, 2026
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More details - Unity BankCertificates of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Opening deposit and minimum balance is $1,000 ($500 for minors). Penalty for early withdrawal applies. Terms 3 months to 60 months, with additional terms available.
Offer: Promo Code: 1160. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time.
Effective Sep 28, 2026
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More details - American Heritage Credit UnionCertificatesCD · 20 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$744 over 20 months on $10,000intro rateRequirements
Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Offer: Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Promotional rate · 4.31% interest rate · Effective Oct 23, 2026
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More details - Heritage Community Credit UnionShare CertificatesCD · 22 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$821 over 22 months on $10,000intro rateRequirements
Product: Minimum opening deposit $1,000.
Offer: 22 Month Special
Promotional rate · 4.31% interest rate · Effective Oct 14, 2026
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More details - Canyon View Credit UnionRegular Bump Share CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Min. $500 opening balance. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.31% interest rate · Effective Oct 23, 2026
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More details - Heritage Financial Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Standard minimum opening deposit is $500. Additional deposits are not allowed after opening. Early withdrawal penalties apply (90 days' dividends for 1-12 month terms, 180 days for 13-23 months, 365 days for 24-36 months, 540 days for 37-60 months). Automatically renewing certificates have a 10-day grace period.
4.33% interest rate · Effective May 11, 2026
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More details - DFCU FinancialShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Federally insured by NCUA. Minimum opening deposit of $1,000 required. Minimum balance to earn APY: $1,000. Dividends compounded and paid quarterly. Early withdrawal penalties apply. Rate is based on principal balance at account opening and will not change during certificate term. Automatic renewal when certificate matures. Dividends on Non-IRA Certificates over $2,500 may be deposited to checking, savings, or any non-IRA deposit account.
Offer: Dividend payments compounded quarterly. Dividend rates are determined by principal balance when certificate is opened. Early withdrawal penalties apply.
4.33% interest rate · Compounded quarterly · Effective Oct 20, 2026
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More details - Ixonia Bank2-Year Choice Plus CDCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000intro rateRequirements
Product: 1 time rate bump. Additions of $500 or more at any time. Early withdrawal may be subject to penalty. Fees may reduce earnings.
Offer: 1 time rate bump. Additions of $500 or more at any time. Minimum balance to open/obtain the APY.
Promotional rate · 4.33% interest rate · Effective Sep 9, 2026
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More details - Union Bank & TrustCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000intro rateRequirements
Product: Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
Promotional rate · Effective Oct 13, 2026
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More details - HSBC USAOnline Certificate of Deposit (CD)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000with conditionsRequirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - HSBC USAWealth Center/Telephone Deposit Account CDsCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
Offer: Opened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
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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 CDs pay nationwide
37,731 CDs at 4,647 banks and credit unions · checked Oct 22–24
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank