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
- Virginia Credit UnionSavings CertificatesCD · 60 months · $500 min · 3.75%–3.95% by balance
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Limited to a single, one-time deposit with a term limit of 5 years (except 6 or 12 month certificates which allow ongoing contributions/add-on deposits). Early withdrawal penalty may apply. Minimum opening deposit $500.
Offer: Compounding frequency: Quarterly. Early withdrawal penalty may apply.
3.70% interest rate
Rate by balance
Rate by balance for Savings Certificates Balance APY $500 – $5,000 3.75% $5,000 – $50,000Your amountCompounding frequency: Monthly. 3.76% $50,000 – $100,000Compounding frequency: Monthly. 3.85% $100,000 and upCompounding frequency: Monthly. 3.95% Rate checked
More details - Diamond Credit UnionRegular Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
Effective Oct 16, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.76%–3.92% by balance
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.70% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.76% $50,001 and up 3.82% $100,001 and up 3.87% $250,001 and up 3.92% Rate checked
More details - First Service Federal Credit UnionTerm Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Relationship Rewards: 10 basis points (.10) added to regular term certificate rates when the member has an active First Service loan balance, a First Service checking account, or is a Prime Time Club member, up to a maximum of 30 basis points (.30). Bonus points are not available on special promotions, zero-balance loans/lines of credit, or JUMP Certificates.
Offer: Dividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends.
3.70% interest rate
Rate checked
More details - Midcoast Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Automatically renews at maturity at the next highest regular term with a 10-day grace period. Early withdrawal penalty applies.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000intro rateRequirements
Product: Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
Promotional rate · 3.70% interest rate · Effective Jul 9, 2026
Rate checked
More details - First State BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Offer: Penalties apply for early withdrawals.
3.70% interest rate · Effective Sep 10, 2026
Rate checked
More details - Texas Bay Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.75%–3.96% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
Offer: Tier 1
3.68% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.75% $50,000 and upTier 2 3.86% $99,000 and upTier 3 3.96% Rate checked
More details - First Northern Credit UnionShare CertificatesCD · 60 months · $2,500 min · 3.75%–4.25% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Product: Must maintain the minimum average daily balance of the account to obtain the disclosed APY. Yields declared and paid monthly. Open with as little as $2,500. Special offers for new money. Early withdrawal may require closing the certificate and may incur a penalty.
Offer: Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY.
Promotional rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 – $25,000Your amount 3.75% $25,000 – $50,000Share Certificates $25,000 - $49,999.99. 4.00% $50,000 and upJumbo Share Certificates $50,000+. 4.25% Rate checked
More details - Affinity One Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Minimum deposit of $1,000 for standard CD. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
Rate checked
More details - Niagara Regional FCUShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Product: Minimum deposit to open is $1,000.00. Dividends paid at maturity. APY is based on assumption interest remains in account until maturity. Early withdrawal penalty applies (3 months of dividends for terms less than 1 year, 6 months for terms more than 1 year). No partial withdrawals.
Promotional rate
Rate checked
More details - First Commonwealth Federal Credit UnionCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - Unity Catholic FCUTerm Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,0003.70% interest rate · Effective Oct 23, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Offer: Gold relationship tier
Qualified rate · 3.68% interest rate · Compounded monthly · Effective Oct 5, 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 5-year CDs pay nationwide
3,410 CDs at 3,034 banks and credit unions · checked Oct 22–24
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank