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 556–570 results
- Spero FinancialTerm Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Early withdrawal fees could reduce earnings and principal on the account. Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms. Automatic renewal at maturity available.
Offer: Certificate dividends paid quarterly.
Effective Oct 23, 2026
Rate checked
More details - Texas Bay Credit UnionRegular CertificatesCD · 36–47 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APYRequirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - Noble Credit UnionShare CertificateCD · 36 months · $500 min · 3.80%–3.95% by balance
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Membership eligibility required. Penalty may be imposed for early withdrawal. Minimum deposit requirements apply and may vary by certificate tier.
3.74% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 3.80% $10,000 and upYour amount 3.85% $50,000 and up 3.85% $100,000 and up 3.95% $250,000 and up 3.95% Rate checked
More details - Ardent Credit UnionCertificateCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Membership eligibility and requirements apply. Fees may reduce earnings. Certificate interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. Fixed interest rates for the term of the Certificate. Early withdrawal penalty applies (smaller of interest since issuance/renewal or 180 days of interest). Unless otherwise stated, certificates automatically renew at maturity to the rate effective at that time. Minimum balance / opening minimum is $100.
3.78% interest rate · Effective Oct 16, 2026
Rate checked
More details - Affiliated Trades CU36 Month Share CertificateCD · 36 months · $1,000 min · 3.85%–4.06% by balance
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Offer: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
3.78% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Share Certificate Balance APY $1,000 and upYour amount 3.85% $25,000 and up 3.95% $50,000 and up 4.06% Rate checked
More details - Marquette Savings BankCertificates of DepositCD · 36 months · $10,000 min
Bank · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Ladder CD promotional kicker rate for 3 Year CD. Minimum opening deposit of $10,000 required for each of the three CDs opened. Must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms. Kicker rate valid for initial term only. IRAs excluded.
3.80% interest rate · Effective Oct 20, 2026
Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 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 Bronze tier.
Qualified rate · 3.79% interest rate · Effective Oct 23, 2026
Rate checked
More details - Fortera Credit UnionFixed Rate CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Must be 18 or older and meet field of membership eligibility (live, work, worship, or attend school in service regions, affiliated partner, or immediate family of member) and have a Share Savings Account. No additional deposits allowed except at maturity or during grace period.
3.80% interest rate · Effective Oct 5, 2026
Rate checked
More details - Northeast Community Credit Union36 Month Certificate AccountCD · 36 months
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Effective Oct 23, 2026
Rate checked
More details - INOVA Federal Credit UnionCertificatesCD · 36 months · $200 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
3.78% interest rate
Rate checked
More details - INOVA Federal Credit UnionStep Up CertificatesCD · 36 months · $200 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.
3.78% interest rate
Rate checked
More details - The Cecilian BankCertificate of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000 - Pioneer Federal Credit UnionTerm CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
Offer: Minimum balance of $500 to earn APY; early withdrawal penalty applies.
3.78% interest rate · Effective Oct 21, 2026
Rate checked
More details - A+ Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000Requirements
Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
Effective Oct 15, 2026
Rate checked
More details - Meriwest Credit UnionCertificate AccountsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,200 over 36 months on $10,000intro rateRequirements
Product: Membership is required with a one-time non-refundable $5 fee. Early withdrawal penalties apply. Rates are for consumer accounts only and not available for institutional certificates.
Offer: Penalty may apply for early withdrawal. Limited time offer.
Promotional rate · 3.78% interest rate · Effective Oct 13, 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank