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 646–660 results
- Technology Credit UnionConsumer CertificateCD · 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: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 1, 2026
Rate checked
More details - United Business BankU Matter Account Specials Certificate of DepositCD · 24 months · $5,000 min
Bank · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.
Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.
Promotional rate · Balance cap $10,000,000 · Effective Jul 23, 2026
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More details - American United Federal Credit UnionDedicated Saver CertificateCD · 24 months · $5 min
Credit union · Add a location to see nearby branches
4.00%APY$816 over 24 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 2026
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More details - American United Federal Credit UnionRegular 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: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - P&S Credit UnionShare Certificates of DepositCD · 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 quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
Offer: Automatic renewal
Compounded quarterly
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More details - Genisys Credit UnionTerm CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.99%APY$814 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal. $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time.
3.93% interest rate · Effective Oct 22, 2026
Rate checked
More details - FreedomBankCertificate of DepositCD · 24 months · $1,000 min · 3.99%–4.14% by balance
Bank · Add a location to see nearby branches
3.99%APY$814 over 24 months on $10,000Requirements
Product: $1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
3.95% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $25,000Your amount 3.99% $25,000 – $100,000 3.99% $100,000 and up 4.14% Rate checked
More details - Neighborhood Trust FCUShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$811 over 24 months on $10,000Requirements
Product: Maximum Share Certificate Amount is $100,000. Early withdrawal penalty applies: 30 days interest + $20 fee for 6 to 18 months, 90 days interest + $20 fee for 24 to 36 months.
3.90% interest rate · Balance cap $100,000
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More details - Fort Community Credit UnionCertificateCD · 24 months · $250 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Step-Up Certificate. Dividends paid quarterly. $250 minimum to open.
Promotional rate · 3.91% interest rate · Compounded quarterly
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More details - Fort Community Credit UnionCertificateCD · 24 months · $250 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Step-Up Certificate: can step up to a higher rate once during the duration of the term. Dividends compounded quarterly.
Promotional rate · 3.91% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate checked
More details - Harris County Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 23, 2026
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More details - Harris County Federal Credit UnionPayroll Deduction CertificateCD · 24 months · $53 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: Funded via payroll deduction ($35.00 – $105.00 per pay period). Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 23, 2026
Rate checked
More details - Northrop Grumman Federal Credit UnionCertificatesCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min · 3.97%–4.13% by balance
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 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).
3.90% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.97% $50,001 and up 4.02% $100,001 and up 4.07% $250,001 and up 4.13% Rate checked
More details - ARC Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
Offer: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
3.90% interest rate
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 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