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 676–690 results
- Qside FCUCertificates of Deposit (CDs)CD · 36 months · $500 min · 3.52%–3.97% by balance
Credit union · Add a location to see nearby branches
3.77%APY$1,174 over 36 months on $10,000Requirements
Product: Membership required. Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Offer: Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings.
3.50% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $9,999 3.52% $10,000 – $24,999Your amount 3.77% $25,000 – $49,999 3.87% $50,000 – $99,000 3.92% $100,000 and up 3.97% Rate checked
More details - Neighborhood Trust FCUShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.77%APY$1,174 over 36 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.
3.70% interest rate · Balance cap $100,000
Rate checked
More details - West Pointe BankFixed Rate Certificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.76%APY$1,171 over 36 months on $10,000Requirements
Product: Fixed Rate Certificates of Deposit (CODs) may be subject to an early withdrawal penalty. Interest compounds monthly. APY assumes interest remains in account until maturity or funds are withdrawn. Withdrawals and fees will reduce earnings.
Offer: Interest compounds monthly. Early withdrawal penalty may apply.
3.70% interest rate · Effective Oct 19, 2026
Rate checked
More details - Diamond Credit UnionRegular Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$1,171 over 36 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 - Highmark Federal Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$1,171 over 36 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
Offer: Applies to Honors Rewards Members (* indicates Dividend Rate).
Qualified rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Nebraska State Employees Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$1,171 over 36 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Rates are subject to change.
3.70% interest rate · Effective Sep 1, 2026
Rate checked
More details - Cooperative Choice Network Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$1,171 over 36 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly (added back to certificate, paid monthly by check, or deposited directly into Share Savings or Share Draft Account). Early withdrawals subject to penalty. Minimum deposits vary according to term lengths.
3.70% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$1,171 over 36 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 - Greater Chautauqua Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: $500 minimum deposit to open. Compounded daily and posted quarterly. Early withdrawal penalty may be imposed. No setup or maintenance fees.
Offer: Certificate dividends are compounded daily and posted quarterly. Early withdrawal penalties apply.
3.70% interest rate · Compounded daily · Effective Jun 25, 2026
Rate checked
More details - Marquette Savings BankCertificates of DepositCD · 30–47 months · $500 min
Bank · Add a location to see nearby branches
3.75%APYRequirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Interest compounded and credited quarterly for terms of 12 to 60 months. Must maintain a minimum balance of $500 to obtain disclosed APY.
3.70% interest rate · Effective Oct 20, 2026
Rate checked
More details - Southern FCUCertificate of DepositCD · 36 months · $1,000 min · 3.75%–3.86% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000with conditionsRequirements
Product: Minimum opening balance is $1,000.00. Early withdrawal penalty may apply. Dividends paid monthly. Automatically renewable.
Offer: Under $75,000 in Total Shares
Qualified rate · Effective May 8, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $75,000Your amount 3.75% $75,000 and upOver $75,000 in Total Shares - Platinum Bump Up 3.86% Rate checked
More details - Texas Trust Credit UnionTerm Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
3.69% interest rate · Effective Oct 5, 2026
Rate checked
More details - Selfreliance Federal Credit UnionCertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.
Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.
3.70% interest rate · Balance cap $1,000,000 · Effective Oct 23, 2026
Rate checked
More details - First Northern Credit UnionShare CertificatesCD · 36 months · $2,500 min · 3.75%–4.25% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 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 - First Commonwealth Federal Credit UnionCertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 3-year CDs pay nationwide
4,160 CDs at 3,669 banks and credit unions · checked Oct 22–24
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank