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 481–495 results
- HSBC Trust Company (Delaware)HSBC Wealth Center/Telephone Deposit Account APYs: 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 accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Other CD terms and rates are available.
Offer: Minimum balance to obtain APY is more than $0. Opened in branch or over telephone. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
Rate checked
More details - TEXAR Federal Credit UnionShare 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: Penalty for early withdrawal on term share certificates. Fees may reduce earnings on the account. Membership required.
4.31% interest rate · Effective Oct 3, 2026
Rate checked
More details - Cornerstone Credit UnionCertificate of DepositCD · 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: Deposits are federally insured up to $250,000 by the NCUA with an additional $250,000 private insurance by ESI ($500,000 total). Penalties apply for early withdrawals.
Offer: 24-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount.
Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Rhinebeck BankCertificate of DepositCD · 24 months · $2,000 min
Bank · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000intro rateRequirements
Product: $2,000 minimum deposit to open a Certificate of Deposit (CD) account. A penalty may be imposed for early withdrawal. To obtain APY, all interest and principal must be left on deposit for full term. Fees may reduce earnings. Interest posted monthly and available for withdrawal. The 7-month, 13-month, 18-month and 2-year CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Standard FDIC insurance up to $250,000 per depositor.
Offer: Promotional CD rate.
Promotional rate · 4.31% interest rate · Effective Oct 5, 2026
Rate checked
More details - Georgia Heritage Federal Credit Union3-Step Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000intro rateRequirements
Product: With a 24-month term. Dividends paid monthly. Step 1: Bump up dividend rate once during term. Step 2: Add up to two deposits any time during term ($500 minimum add-on deposit). Step 3: Withdraw up to 50% of initial opening deposit once without penalty after the first 7 days. Minimum opening deposit $500 to $100,000.
Offer: Early withdrawal penalty: 180 Days; member may withdraw up to 50% of initial deposit after the first 7 days without penalty once during the term of the certificate.
Promotional rate · 4.31% interest rate · Balance cap $100,000
Rate checked
More details - Dupaco Community Credit UnionSpecial CertificatesCD · 25 months · $1,000 min · 4.40%–4.50% by balance
Credit union · Add a location to see nearby branches
4.40%APY$939 over 25 months on $10,000Requirements
Product: Term Share Special certificate. Min to open $1,000. Jumbo Special Min to earn $100,000. Dividends compounded semi-annually. Penalties apply for early withdrawal.
Offer: 25 Month Fixed Certificate Special. Min. to earn $1,000.
4.35% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for Special Certificates Balance APY $1,000 and upYour amount 4.40% $100,000 and up25 Month Fixed Jumbo Certificate Special. to earn $100,000. 4.50% Rate checked
More details - WEOKIE Federal Credit UnionCertificate AccountsCD · 28 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$1,057 over 28 months on $10,000Requirements
Product: Membership eligibility is required. $1,000 minimum opening deposit required. Fixed dividend rate. Early withdrawal penalty: 1% of the amount withdrawn for terms of 12 months or less, and 3% for terms greater than 12 months. Additional deposits permitted anytime.
Offer: APY will vary based on the daily balance maintained.
Effective Sep 28, 2026
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More details - 4.40%APY$1,137 over 30 months on $10,000
Requirements
Product: All certificates can be opened with just $500 (only $250 for minors). Offered at terms from 3 to 60 months. Dividends compound daily and are posted monthly to your certificate or savings account. Renewable with a 10-day grace period. Penalty for early withdrawal.
Offer: Renewable with a 10-day grace period. Penalty for early withdrawal.
4.31% interest rate · Effective Oct 14, 2026
Rate checked
More details - Westmark Credit UnionTerm CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Rates are tiered based on deposit amount. Penalty: 90 days of dividends for 90-day and 180-day certificates. Penalty: 180 days of dividends for 12 months or longer. Terms listed at 8, 9, and 11 months do not have explicitly documented penalty terms in the rate disclosures.
Offer: 36 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty.
Compounded quarterly · Effective Oct 22, 2026
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More details - First Federal Lakewood36-Month CD SpecialCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000intro rateRequirements
Product: Promotional rates available for new money only (money not currently on deposit with the bank). Automatically renews at maturity for a term of 36-months. Funds must remain on deposit for the term. Early withdrawal penalty may apply. Fees could reduce earnings. Available for a limited time and subject to change without notice.
Offer: Promotional rate available for new money only (money not currently on deposit with the bank). Automatically renews at maturity for a term of 36-months. Funds must remain on deposit for the term. Early withdrawal penalty may apply. Fees could reduce earnings. Accurate as of 10/23/2026.
Promotional rate · 4.33% interest rate · Effective Oct 23, 2026
Rate checked
More details - Banterra BankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open and earn desired APY on all Banterra CDs. Online applicants must be 18 years old, a US citizen with a US address, and resident of AZ, CO, ID, IL, IN, KY, MO, or UT.
Offer: Promotional rate special. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - Commstar Credit UnionCertificate SpecialsCD · 37 months · $500 min · 4.40%–4.50% by balance
Credit union · Add a location to see nearby branches
4.40%APY$1,420 over 37 months on $10,000Requirements
Product: Fixed interest rate for the term of the certificate. Higher interest than a regular Certificate of Deposit. Bonus dividend of 0.05% to APY on balances of $50,000.00 to $99,999.99; bonus dividend of 0.10% to APY on balances of $100,000.00 and higher.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Specials Balance APY $500 – $50,000Your amount 4.40% $50,000 – $100,000 4.45% $100,000 and up 4.50% Rate checked
More details - Citizens BankCertificates of Deposit (CDs)CD · 39 months · $2,500 min
Bank · Add a location to see nearby branches
4.40%APY$1,502 over 39 months on $10,000 - F&A Credit UnionCertificatesCD · 60 months · $1,000 min · 4.40%–4.50% by balance
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Must agree to receive paperless eStatements for premium rate. Early withdrawal penalty applies. Automatic renewal available. Federally insured up to $250,000.
Offer: $1,000 Minimum Deposit tier. Dividend rate 4.31%. Must agree to receive paperless eStatements.
4.31% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 4.40% $50,000 and upDividend rate 4.40%. 4.50% Rate checked
More details - 4.40%APY$2,402 over 60 months on $10,000
Effective Oct 22, 2026
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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