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 616–630 results
- Signature Federal Credit UnionStandard Share CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000Requirements
Product: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
Effective May 27, 2026
Rate checked
More details - Exchange Bank and Trust CompanyCertificate of DepositCD · 18 months · $1,000 min · 3.85%–4.06% by balance
Bank · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000Requirements
Product: Certificates purchased are subject to interest penalties if withdrawn prior to maturity. Rates subject to change without notice.
3.80% interest rate · Effective Aug 4, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 3.85% $25,000 – $99,999 3.96% $100,000 and up 4.06% Rate checked
More details - Peninsula Federal Credit UnionJump Rate CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Allows opting into a new rate once per certificate term through online banking, mobile app, or by contacting the Credit Union if rates increase within the certificate's term. Early withdrawal penalties apply.
Promotional rate · Effective Sep 3, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000
Requirements
Offer: Early withdrawal penalty: 365 days interest (Minimum $25)
3.80% interest rate · Effective Dec 18, 2025
Rate checked
More details - Milton Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000Requirements
Product: Annual Percentage Yield assumes interest remains on deposit. A substantial penalty will be assessed for early withdrawal. Rates subject to change without notice. $2,500.00 deposit required for monthly or quarterly checks.
Offer: Annual Percentage Yield assumes interest remains on deposit. Penalty for early withdrawal.
3.81% interest rate · Effective Jun 8, 2026
Rate checked
More details - The Federal Savings BankSpecial CD PromotionCD · 18 months · $5,000 min
Bank · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
Offer: Early withdrawal penalty is 180 days' worth of interest.
Promotional rate · 3.79% interest rate · Compounded monthly · Effective Jul 20, 2026
Rate checked
More details - Illinois State Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,000Requirements
Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.78% interest rate · Effective Jul 31, 2026
Rate checked
More details - Cabrillo Credit UnionShare CertificatesCD · 18 months · $2,000 min · 3.80%–3.90% by balance
Credit union · Add a location to see nearby branches
3.85%APY$583 over 18 months on $10,0003.74% interest rate · Effective Jun 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $2,000 – $9,999 3.80% $10,000 – $49,999Your amount 3.85% $50,000 and up 3.90% Rate checked
More details - M-O Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.84%APY$581 over 18 months on $10,000Requirements
Product: Fixed maturity date savings certificate earning a fixed rate. Automatically renews for the same term with a 10-day grace period following the renewal date. Substantial penalty imposed for withdrawals before maturity date (terms less than 1 year: 180 days dividends; terms 1 year or more: 365 days dividends). Penalty does not apply to early withdrawal due to death of an owner.
Effective Oct 4, 2026
Rate checked
More details - Schools Federal Credit UnionTerm Share CertificateCD · 18 months · $500 min · 3.83%–3.98% by balance
Credit union · Add a location to see nearby branches
3.83%APY$580 over 18 months on $10,000Requirements
Product: Term Share Certificates (certificates of deposit). Early withdrawal penalty. Certificate rates are contracted at opening and upon renewal; compounded and paid monthly. Options to increase the dividend based on balance and relationship. Rates and terms subject to change without notice.
Offer: Dividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty.
3.76% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $89,999Your amount 3.83% $90,000 and up 3.98% Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.83%APY$580 over 18 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Plus Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.83%APY$580 over 18 months on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to PrimaryPlus relationship customers.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - MECUCertificate of DepositCD · 6–18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: No monthly service fee. Early withdrawal penalty may apply. Automatically renews at maturity with a 10-day grace period.
Offer: Special promotional rate; dividends compounded monthly and must remain on deposit until maturity. May be withdrawn at any time.
Compounded monthly
Rate checked
More details - Coast Central Credit UnionSavings CertificatesCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. No monthly service fee.
Offer: Term 12 to 23 months (7300).
3.75% interest rate · Effective Oct 21, 2026
Rate checked
More details - Community Commerce BankCertificate of DepositCD · 18 months · $10,000 min · 3.82%–4.07% by balance
Bank · Add a location to see nearby branches
3.82%APY$578 over 18 months on $10,000Requirements
Product: Rate fixed for entire term. Substantial penalty for early withdrawal. APY accurate as of 10/23/2026.
Offer: Balance $10,000.00 to $99,999.99.
3.75% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $100,000Your amount 3.82% $100,000 and up 4.07% 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 18-month CDs pay nationwide
3,154 CDs at 2,793 banks and credit unions · checked Oct 22–24
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.90%
- 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