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 631–645 results
- Hawaii Community Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - Grand BankCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Online opening available for MS, AL, and LA residents only; also available in-branch. FDIC insured up to $250,000. Account automatically renews at maturity at the interest rate being paid on renewal date with no grace period. Early withdrawal triggers account closure and penalties of 3 to 6 months interest. Promotional APY applies only to new accounts opened with at least 50% new money not previously on deposit within the past 60 days.
Offer: Promotional APY assumes interest remains on deposit until maturity and is based on interest paid out annually or at the end of the term (APY is less if interest is paid out or credited to another account). Requires a minimum average daily balance of $1,000 and applies to deposits from $1,000 to $1,000,000. Must be opened with at least 50% of funds not previously on deposit within the past 60 days. Early withdrawal triggers account closure and penalties from 3 to 6 months interest. Automatically renews at maturity with no grace period.
Promotional rate · Balance cap $1,000,000 · Effective Aug 31, 2026
Rate checked
More details - First Service BankCertificate of Deposit AccountCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: All CD accounts require $10,000 minimum deposit to open. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Early withdrawal will result in a penalty. Fees may reduce earnings. Stated APR is 3.94%.
3.94% interest rate · Effective Sep 1, 2026
Rate checked
More details - Financial Educators Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: A $1,000 minimum balance is required. Early withdrawal prior to maturity incurs a penalty of 6 months loss of interest (earned or not). Anchors Away accounts eligible for an additional 0.25%.
Offer: "Anchors Away" accounts eligible for an extra 0.25%
Effective Dec 9, 2022
Rate checked
More details - Envista Federal Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Fixed rates; longer terms earn higher rates. No setup or maintenance fees. Early withdrawals are subject to penalty.
Promotional rate · 3.94% interest rate · Effective Apr 9, 2026
Rate checked
More details - United Bank of MichiganCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: No monthly service charges. Minimum opening deposit of $500. Terms from 90 days to 5 years. Penalty for early withdrawal.
Offer: CD Special. Not valid with any other offers. Promotion special may end at any time. Penalty for early withdrawal.
Promotional rate · Balance cap $500,000 · Effective Sep 1, 2026
Rate checked
More details - Pioneer BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Interest on consumer owned certificates is credited and compounded quarterly, unless otherwise noted. Subject to early withdrawal penalties: 30 days of interest on maturities of less than one year, 90 days of interest on maturities of one year to 35 months, and 12 months of interest on maturities of 36 months and greater. Certificates are automatically renewable.
3.94% interest rate · Compounded quarterly · Effective Jul 20, 2026
Rate checked
More details - Middletown Area Schools CUCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Rate checked
More details - TrailNorth Federal Credit UnionTrailblazer Share CertificateCD · 24 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Designed for first-time savers.
3.94% interest rate · Effective Aug 1, 2025
Rate checked
More details - Top Tier Federal Credit UnionTerm CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Minimum purchase amount of $500 with no maximum purchase amount. Terms range from 3 months to 5 years. Early withdrawal penalties may apply.
Offer: No new money requirements.
Effective Jul 1, 2026
Rate checked
More details - Allegheny Valley Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Minimum investment is $1,000. Early withdrawals may be subject to a penalty and may reduce earnings. Dividends are paid monthly to share account. Rates are reviewed monthly by the Board of Directors.
Offer: Minimum balance to earn APY as an investment in a certificate is $1,000. Dividends paid monthly to share account. Early withdrawal subject to penalty.
Effective Aug 25, 2026
Rate checked
More details - Illinois State Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.93% interest rate · Effective Jul 31, 2026
Rate checked
More details - NSPIRE FCUCertificates of DepositCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000with conditionsRequirements
Product: Early Withdrawal Penalties Apply for all Certificate of Deposits. Dividends are paid monthly using the simple interest method (does not compound).
Qualified rate · 4.00% interest rate · Effective Jul 16, 2026
Rate checked
More details - United Consumers Credit UnionCertificates of Deposit (CD)CD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
Rate checked
More details - Glendale Area Schools Credit UnionCertificate AccountsCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Must be a member of Glendale Area Schools Credit Union and maintain an active Share Savings Account or UTMA Account. A minimum deposit of $1,000 is required to open. Early withdrawal penalties apply.
Offer: America's 250th 4% CD Promotion. Offer good through October 31.
Promotional rate
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 2-year CDs pay nationwide
4,629 CDs at 4,045 banks and credit unions · checked Oct 22–24
- Typical
- 3.05%
- Top 10% from
- 4.06%
- Banks, typical
- 2.75%
- 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