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
- The Cecilian BankCertificate of Deposit (CDs)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000 - Options Credit UnionCertificates (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
Offer: Advantage APY with +0.25% rate boost. Early withdrawal penalty is 180 days interest.
Effective Oct 20, 2026
Rate checked
More details - Copper State Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Membership is required. Low minimum deposit of $500. A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal equal to 365 days' dividends. Minimum balance $500. Opening deposit minimum $500.
3.78% interest rate · Effective Oct 19, 2026
Rate checked
More details - Shoreline Hometown Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Membership eligibility required. Dividends compounded and credited quarterly. Penalty for early withdrawal is half of the interest earned over the term of the certificate. $1,000 minimum deposit ($500 for custodial accounts). Automatic renewal at maturity.
Offer: $500 minimum opening balance for custodial accounts.
3.80% interest rate · Effective Oct 16, 2026
Rate checked
More details - Cedar Point Federal Credit UnionLong Term Certificate AccountCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Rates fixed for the entire term. Penalty charged for early withdrawal. Funds cannot be deposited into existing accounts until maturity.
3.80% interest rate · Effective Oct 9, 2026
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More details - Cal-Com Federal Credit UnionTerm Share AccountsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: All Term Share Accounts require a $500.00 minimum balance to open. Jumbo Term Share Accounts ($100,000.00 minimum deposit) earn 0.15% dividend rate above standard Term Share Accounts dividend rate (Simple Interest) when opened new or at renewal. Early withdrawal penalties apply (loss of dividends on amounts withdrawn that would have accrued over 50% of the remaining term). Automatically renews upon maturity.
Offer: 5 Year Term Share Account.
3.80% interest rate · Effective Oct 1, 2026
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More details - AMOCO Federal Credit UnionBump-Up CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Subject to membership eligibility. Lets you boost your rate one time if term rates go up at any point during your certificate's term. Early withdrawal penalties apply. Minimum deposit required is $1,000.
Offer: Allows a one-time rate bump if rates rise during term. Early withdrawal penalties apply.
3.78% interest rate · Effective Oct 1, 2026
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More details - Peoples State BankCertificates of Deposit (CDs)CD · 60 months · $250 min · 3.75%–3.96% by balance
Bank · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: 1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.
3.70% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $250 – $10,000 3.75% $10,000 – $35,000Your amount 3.85% $35,000 and up 3.96% Rate checked
More details - Isabella Community Credit UnionCertificates of DepositCD · 60 months · $500 min · 3.65%–3.85% by balance
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 3.65% $10,000 and upYour amount 3.85% Rate checked
More details - CASE Credit UnionTerm Deposit AccountCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Credit Union Membership is required for all accounts.
3.78% interest rate
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More details - FiCare Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 3.85%–4.05% by balance
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Early withdrawal penalties may apply. FiCare offers rate matching with local competitor financial institutions subject to matching terms and requirements.
3.78% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $49,999Your amount 3.85% $50,000 – $99,999 3.95% $100,000 and up 4.05% Rate checked
More details - Coast360 Federal Credit UnionTerm SharesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Coast360 membership is required. Must maintain the minimum daily balance in the account each day to obtain the disclosed APY. Dividends credited at maturity. Early withdrawal penalty: forfeit all dividends earned up to date of withdrawal and effectuate account closure. Returned item and early account closure fees apply.
Effective Oct 1, 2026
Rate checked
More details - Community Savings BankCertificates of DepositCD · 60 months · $5,000 min
Bank · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
Offer: Compounded daily.
3.78% interest rate · Compounded daily · Effective Feb 18, 2025
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More details - Erie FCUTerm Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Dividends compounded monthly. Penalty may be imposed for early withdrawal. Rates subject to change.
3.78% interest rate · Compounded monthly · Effective Sep 21, 2026
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More details - Farmers and Drovers BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000intro rateRequirements
Offer: Interest compounding frequency: Quarterly. Interest availability: Quarterly.
Promotional rate · 3.80% interest rate · Effective Sep 19, 2024
Rate checked
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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 5-year CDs pay nationwide
3,410 CDs at 3,034 banks and credit unions · checked Oct 22–24
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank