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 571–585 results
- Members First Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Potential members must qualify for membership: live in Box Elder or Cache County, have an immediate family member with an account, or work at a Select Employee Group (SEG). If opting for the one-time bump option, original CD rate will be 0.25% lower than stated. Dividends pay quarterly. Penalties for early withdrawal may apply.
Offer: Dividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply.
Effective Oct 19, 2026
Rate checked
More details - Ironworkers USA Credit UnionShort-Term CertificateCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.
3.99% interest rate · Effective Oct 13, 2026
Rate checked
More details - DC Credit UnionRegular Share CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate checked
More details - Cyprus Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
3.98% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cyprus Credit UnionDream CertificateCD · 12 months · $20 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
Offer: Earns traditional certificate APY.
3.98% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
Rate checked
More details - First Bank ChicagoCertificates of Deposit (CD)CD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.
3.98% interest rate · Effective Oct 13, 2026
Rate checked
More details - Philadelphia Federal Credit UnionJumbo CertificateCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.97% interest rate
Rate checked
More details - Educational Community Alliance CUShare CertificateCD · 12 months
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.00% interest rate · Effective Dec 31, 2024
Rate checked
More details - The Cornerstone BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,0003.98% interest rate · Effective Oct 15, 2026
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More details - Acadia Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.
3.98% interest rate
Rate checked
More details - Cobalt Credit UnionCertificateCD · 12 months · $1,000 min · 4.05%–4.15% by balance
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000with conditionsRequirements
Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
Offer: Member Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing.
Qualified rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $100,000Your amount 4.05% $100,000 and up 4.15% Rate checked
More details - Utah First Credit UnionTraditional Term DepositCD · 12 months · $2,000 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Rate checked
More details - Ascent Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.
Offer: Interest compounded and paid quarterly.
Effective Oct 15, 2026
Rate checked
More details - Logan Medical Federal Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,0003.98% interest rate · Effective Oct 10, 2026
Rate checked
More details - Cherokee State BankCDs (Certificates of Deposit)CD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: No maintenance fees. FDIC insured fixed rates. Penalties apply for early withdrawal. Minimum balances vary based on term. Renews automatically at interest rate in effect at time of maturity, with 10 days to redeem before locked in. Promotional CDs excluded from standard renewal terms.
Offer: 12 month special. After maturity, rolls into the 12-month term earning rate in effect at that time. Not valid with any other promotional offers.
3.99% interest rate · Effective Aug 3, 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 1-year CDs pay nationwide
5,320 CDs at 4,376 banks and credit unions · checked Oct 22–24
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.45%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank