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 46–60 results
- Empeople Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.31% interest rate
Rate checked
More details - Planites Credit UnionInvestment CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,0004.33% interest rate · Effective Oct 1, 2026
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More details - Marcus by Goldman SachsHigh-Yield CDCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). 10-Day CD Rate Guarantee applies. Maximum balance limits apply. Additional deposits allowed within first 30 days after opening.
Offer: $500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply.
Effective Oct 5, 2026
Rate checked
More details - Associated Healthcare Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: 18 Month CD Special. Requires 100% New Money. Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 4.33% interest rate · Effective Oct 1, 2026
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More details - Landmark Credit UnionCertificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Personal accounts only. Minimum balance to open is $500. Early certificate withdrawal penalties apply (90 days of dividends for terms under 1 year; 180 days of dividends for all other terms). Financial institutions and public funds are ineligible.
Offer: Personal accounts only. Penalty for early withdrawal.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - Unity BankCertificates of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$667 over 18 months on $10,000Requirements
Product: Opening deposit and minimum balance is $1,000 ($500 for minors). Penalty for early withdrawal applies. Terms 3 months to 60 months, with additional terms available.
Offer: Promo Code: 1160. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time.
Effective Sep 28, 2026
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More details - Brainerd BN Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.37%APY$663 over 18 months on $10,000Requirements
Product: All accounts provided by BBNCU are insured with the NCUA up to $250,000. $1,000.00 minimum opening deposit. Dividends are posted quarterly. Additional deposits are not allowed (except at maturity). Withdrawals are allowed only at maturity. Automatic renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Dividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal.
4.30% interest rate
Rate checked
More details - 4.36%APY$661 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Interest compounded and credited monthly. Early withdrawal penalty is 4% of principal. One account per customer.
Promotional rate · 4.28% interest rate · Balance cap $500,000
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More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Product: CDs will automatically renew at maturity unless otherwise instructed. Early withdrawal penalties may apply. Fees may reduce earnings. Interest is compounded and credited quarterly.
Offer: Minimum opening deposit of $1,000 is required to open the account and earn the stated APY.
Effective Sep 30, 2026
Rate checked
More details - Synchrony BankCertificate of Deposit (CD)CD · 18 months · $0 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.25% interest rate · Effective Oct 22, 2026
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More details - Bank of UtahCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Must be 18 years of age or older. Daily balance method used to calculate interest. Interest compounded and credited quarterly on terms of 1 year or more, and at maturity on terms of less than 1 year. Early withdrawal penalty applies.
Offer: 18 Months term. Open online or in branch.
4.28% interest rate · Effective Oct 21, 2026
Rate checked
More details - Home Savings BankInternet Certificate of DepositCD · 18 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.
Offer: Each Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application.
4.19% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
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More details - Home Savings BankCertificate of DepositCD · 18 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: No service fees. In branch opening option available. Interest compounded daily.
4.19% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details - Goldwater BankCERTIFICATES OF DEPOSITCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.
4.28% interest rate · Effective Oct 22, 2026
Rate checked
More details - St. Mary's BankCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Guaranteed fixed rate from opening to maturity. Penalty for early withdrawal. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.
Offer: 18-Month Promo CD. Guaranteed fixed rate.
4.26% interest rate · Effective Oct 16, 2026
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 18-month CDs pay nationwide
3,155 CDs at 2,801 banks and credit unions · checked Oct 15–22
- Typical
- 3.24%
- Top 10% from
- 4.07%
- Banks, typical
- 2.89%
- 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