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 511–525 results
- Capitol Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000intro rateRequirements
Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest, 12 months to less than 36 months lose 180 days' interest, 36 months or longer lose 270 days' interest.
Offer: Only new money eligible for promotional rate. Early withdrawal penalty of 180 days' interest.
Promotional rate · Effective Dec 16, 2025
Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000with conditionsRequirements
Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
Offer: Family Advantage Silver tier.
Qualified rate · 3.89% interest rate · Effective Oct 23, 2026
Rate checked
More details - Nicolet National BankCertificate of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
3.89% interest rate · Effective Sep 23, 2026
Rate checked
More details - Adams Bank & Trust18 Month CDCD · 18 months · $500 min · 2.75%–3.95% by balance
Bank · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.72% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 18 Month CD Balance APY Up to $10,000 2.75% $10,000 and upYour amount 3.95% Rate checked
More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.
Compounded daily
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APYRequirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
3.88% interest rate · Effective Oct 21, 2026
Rate checked
More details - Credit Human Federal Credit UnionSustainable Share CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: All the benefits of regular share certificate plus a positive environmental impact. Fixed 18-month term. Open 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 will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. APY assumes dividends remain on deposit until maturity; withdrawal of dividends will reduce earnings. Published rates and APYs are subject to change daily. NCUA insured up to $250,000. Membership eligibility required.
3.88% interest rate · Effective Oct 16, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.95%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.
3.88% interest rate · Effective Oct 16, 2026
Rate checked
More details - Superior National BankCertificate of Deposit (CD)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: $500 minimum deposit. Annual Percentage Yield (APY) is compounded quarterly (except 182-day CD). A penalty may be imposed for early withdrawal. Accounts closed within the first 90 days are subject to a $25 service charge.
Offer: APY is compounded quarterly. A penalty may be imposed for early withdrawal.
Compounded quarterly · Effective Oct 13, 2026
Rate checked
More details - St. Mary's Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: St. Mary's Credit Union membership eligibility required. No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
3.82% interest rate
Rate checked
More details - Maine Savings Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using the daily balance method. Additional deposits not permitted after opening. Early withdrawal penalties apply.
3.88% interest rate · Effective Oct 15, 2026
Rate checked
More details - Sandia Area Federal Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Early withdrawal of up to 50% without penalty is permitted once per term for certificates opened on or after 10/23/2023.
3.88% interest rate · Effective Oct 14, 2026
Rate checked
More details - WestStar Credit UnionTerm CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000intro rateRequirements
Product: Share Savings with a minimum balance and membership eligibility is required. Early withdrawals are subject to penalty. No setup or monthly maintenance fees.
Offer: Penalty may be imposed for withdrawals prior to maturity.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Quaint Oak BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Product: Certificates of deposit accounts carry a substantial penalty for early withdrawal. All rates are subject to change.
Offer: Early withdrawal penalty applies.
3.82% interest rate · Effective Oct 6, 2026
Rate checked
More details - Bridge Credit UnionStandard CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$598 over 18 months on $10,000Requirements
Offer: Everyday APY tier.
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