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 526–540 results
- Campus Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: Federally insured deposits. $500 minimum deposit on all terms. Early withdrawals may be subject to penalties.
3.84% interest rate · Effective Sep 18, 2026
Rate checked
More details - Endurance Federal Credit UnionCertificatesCD · 36 months · $500 min · 3.80%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Dividend options include monthly dividend check, transfer to another credit union account, or redeposit into the share certificate. Penalties may apply for early withdrawal.
Offer: Early withdrawal penalty: 180 days.
3.74% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and up 3.80% $10,000 and upYour amount 3.90% $25,000 and up 3.95% $99,000 and up 4.00% Rate checked
More details - LaPorte Community Federal Credit UnionCertificate of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: Minimum balance of $500.00 required. Dividends compounded monthly and paid monthly. Early withdrawal penalty applies.
Compounded monthly · Effective Sep 24, 2026
Rate checked
More details - First Florida Credit UnionCertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000intro rateRequirements
Product: Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). Funds federally insured up to $250,000 by NCUA.
Offer: Fixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity.
Promotional rate · 3.83% interest rate · Effective Aug 1, 2026
Rate checked
More details - Colorado Credit UnionCertificates of DepositCD · 36 months · $500 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.
Offer: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $100,000Your amount 3.90% $100,000 and up 4.00% Rate checked
More details - Police Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000intro rateRequirements
Product: Start for as little as $500. Flexible terms from 6 to 60 months. Dividends compound monthly. Federally insured up to $250,000.
Promotional rate · 3.83% interest rate
Rate checked
More details - Richmond Heritage Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly.
3.83% interest rate · Effective Sep 1, 2026
Rate checked
More details - Peoples Advantage FCUShare CertificateCD · 36 months · $1,000 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
3.85% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.90% $50,000 and up 4.00% Rate checked
More details - Pacific Horizon Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: Allows deposits at any time. $500.00 Minimum.
3.84% interest rate
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 36 months · $5 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Standard membership rate.
Qualified rate · 3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionRegular CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Standard membership rate.
3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - Ergo BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.89%APY$1,213 over 36 months on $10,000intro rateRequirements
Product: Requires new money, which can consist of money from matured Ergo Bank CDs, savings, money market and checking accounts. Early withdrawal penalty applies. Withdraw or reinvest funds at full maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies. Requires new money. Any withdrawal reducing balance below minimum may be treated as withdrawal of entire balance.
Promotional rate · 3.85% interest rate · Effective Oct 22, 2026
Rate checked
More details - Tinker Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min · 3.74%–4.31% by balance
Credit union · Add a location to see nearby branches
3.89%APY$1,213 over 36 months on $10,000Requirements
Product: Earns monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Deposits may not be made after opened until maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 240 Days.
3.68% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.74% $10,000 and upYour amount 3.89% $25,000 and up 4.10% $50,000 and up 4.20% $99,000 and up 4.31% Rate checked
More details - Farmers & Merchants Union BankEveryday Certificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.89%APY$1,213 over 36 months on $10,000Requirements
Product: Upon maturity, 10 calendar days grace period to withdraw funds or CD automatically renews. Early withdrawal penalties and other fees may apply.
Offer: Daily balance method to obtain APY.
3.85% interest rate · Effective Sep 29, 2026
Rate checked
More details - Atkins Savings Bank & TrustAdjust-A-Rate CDCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.89%APY$1,213 over 36 months on $10,000Requirements
Product: Option during the first term (18 month term to 60 month term) to exchange interest rate for a new rate offering on any other time deposit of equal term to maturity at no cost; maturity date remains the same; exchange option exercisable once during each maturity. Subject to penalty for early withdrawal on Certificate of Deposits.
Offer: Minimum balance to open and obtain APY is $1,000.
3.85% interest rate · Effective Aug 26, 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