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 586–600 results
- Houston Federal Credit UnionFlexible-Term CertificateCD · 12–17 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APYRequirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
3.99% interest rate · Effective Oct 6, 2026
Rate checked
More details - Aerospace Federal Credit UnionShare Certificate AccountCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000intro rateRequirements
Product: Dividends post monthly and at maturity. Funds from an existing AFCU account (share or loan) or an external account can be used to fund the account (except for 9-month certificate which requires new money). Early withdrawal penalties apply.
Promotional rate · 3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - TEG Federal 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: Membership requires a $5 minimum share account balance. Open to anyone who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY. Dividends paid monthly. Penalty fee for early withdrawal.
Offer: $500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings.
3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - Citizens Savings BankCertificates of DepositCD · 12 months · $1,000 min · 4.00%–4.10% by balance
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: FDIC insured up to $250,000. Substantial penalties for early withdrawals on all CDs.
Offer: Compounded semi-annually. Substantial penalty for early withdrawal.
3.96% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $9,999 4.00% $10,000 – $24,999Your amount 4.05% $25,000 and up 4.10% Rate checked
More details - Bank of WashingtonCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: APY is calculated using the daily balance method, assuming interest remains in the account until maturity. A penalty may be imposed for early withdrawal.
Offer: Interest paid quarterly.
3.99% interest rate
Rate checked
More details - Appalachian Community Federal Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
Offer: Paid monthly.
3.98% interest rate · Effective Oct 5, 2026
Rate checked
More details - Garden Savings FCUShare 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: $500 minimum deposit required unless otherwise noted. For terms less than one year, interest is paid upon maturity (simple interest); for terms one year or greater, interest is paid monthly (compound interest). Early withdrawal penalties: 90 days dividends lost for terms under one year; 180 days dividends lost for terms of one year or longer. Promotional rates can be discontinued without notice. Fees could reduce earnings.
Offer: Interest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned.
3.98% interest rate
Rate checked
More details - TAB BankBank Certificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Good on new CDs only. Interest assumes deposit until maturity and monthly compounding; early withdrawal penalty may apply.
Offer: Must maintain minimum balance to earn disclosed APY.
Effective Oct 4, 2026
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More details - Elevate Credit UnionTraditional 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: $500 minimum opening deposit. Terms from 6 to 36 months. 18-month term features rate bump. Early withdrawal subject to dividend penalties.
Effective Sep 17, 2026
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More details - OTIS Federal 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: Open with as little as $500. Automatic renewal at maturity with 10-day grace period. Additional deposits not allowed; withdrawal of dividends allowed. Early withdrawal of principal subject to penalty. Membership eligibility requires living, working, worshiping, or attending school in specified Maine counties, or immediate family.
Offer: Early withdrawal penalty of 120 days dividends for maturities up to 1 year.
3.98% interest rate · Effective Sep 29, 2026
Rate checked
More details - Coast360 Federal Credit UnionTerm SharesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year 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 - Yampa Valley BankTime CertificatesCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,0003.97% interest rate
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More details - BCFCUCertificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000intro rateRequirements
Product: Dividends compounded and credited/paid monthly. $1,000 minimum balance required unless specified. Automatically renews on maturity date with a 20-day penalty-free withdrawal grace period. Substantial early withdrawal penalty applies (equal to 90 days dividends for maturity 30 days to 1 year; 180 days dividends for maturity > 1 year). Membership eligibility requirements apply.
Promotional rate · 3.98% interest rate
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More details - Eagle Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Rate Step Up provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the step (available on share certificates of 2 years or more). Certificates automatically renew at maturity unless new instructions are given.
Offer: Step-Up Option Available.
Rate checked
More details - Eagle Federal Credit UnionStarter CertificatesCD · 12 months · $50 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Add funds through payroll. Dividends compounded and paid monthly on average daily balance. Automatically renews at maturity.
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