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 706–720 of 4,559 results
- State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 6 months · $250 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.
Offer: For 6-month STCs, interest earned may be paid to the STC at maturity or transferred monthly to another SECU account.
3.85% interest rate · Effective Oct 1, 2026
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More details - EUCCUShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Effective Oct 1, 2026
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More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 182 days (~6 months).
Effective Oct 1, 2026
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More details - APG Federal Credit UnionSavings CertificateCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Dividends are compounded and credited quarterly on the daily balance. There may be a penalty for early withdrawal. Fees may reduce earnings.
3.79% interest rate · Effective Oct 3, 2026
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More details - Avenir FinancialTraditional CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends are compounded and credited monthly.
Offer: Minimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies.
Effective Oct 1, 2026
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More details - NGM Employees FCUTerm Share CDCD · 6 months · $250 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000intro rateRequirements
Product: To qualify for the $250 opening deposit, you must be bringing new money to your NGM Credit Union accounts. For transfer of funds from existing NGM Credit Union accounts to a CD the opening balance is $1,000. 2 months dividend penalty applies for early withdrawal on all terms. Specific disclosure about the Term Share Account is available at the Credit Union when you open a new account or upon request. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund up to $250,000.
Offer: Promotional rate. $250 opening deposit requires new money; $1,000 opening balance for transfers from existing NGM Credit Union accounts.
Promotional rate · Effective Jan 21, 2026
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More details - Lighthouse Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.
3.78% interest rate · Effective Oct 2, 2026
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More details - Lookout Credit UnionLimited Time CD SpecialsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000intro rateRequirements
Product: New money is required. $500 minimum opening deposit. Early withdrawal penalty applies. Offer not available with any other rate increases or promotional rates. Membership qualifications may apply.
Offer: New money required.
Promotional rate · Effective Apr 27, 2026
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More details - VacationLand Federal Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
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More details - Fidelity BankCertificates of DepositCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000with conditionsRequirements
Product: All CDs are auto-renewable; penalty may be imposed for early withdrawal. Rates apply for clients with Relationship Checking, Performance Checking, Reliance Checking, or Platinum & Performance Checking.
Offer: 6-Month CD Special. Requires $10,000 minimum opening balance in new money (funds not currently held on deposit with Fidelity Bank). Requires new or existing Fidelity Bank Relationship Checking, Performance Checking, or any Business Checking account. Promotional CDs can only be opened at a branch. Automatically renews into standard 6-month term.
Qualified rate · Effective Jul 27, 2026
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More details - Platinum BankCertificate of DepositCD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Offers CDs from 3 months to 60 months. Contact bank for additional terms and rates. Early withdrawal penalty may be imposed.
Offer: Interest compounds quarterly. 30-day interest penalty for early withdrawal.
Effective Sep 18, 2026
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More details - Holley Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Minimum of $1,000 to open. Subject to early withdrawal penalty. All certificates compound quarterly.
Offer: Early withdrawal penalty applies. Compounds quarterly.
3.80% interest rate · Effective Sep 21, 2026
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More details - Yampa Valley BankTime CertificatesCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,0003.78% interest rate
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More details - Merck Employees Federal Credit UnionShare CertificateCD · 6 months · $10,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Must be a member in good standing with the credit union. No additional deposits permitted after opening; early withdrawals forfeit all interest earned / subject to early withdrawal penalty. Dividends compounded and credited at maturity.
3.85% interest rate · Effective Jan 1, 2026
Rate checked
More details - S. Middlesex FCUShare Certificates of Deposit (CD)CD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Minimum deposit of $1,000. Dividends compounded and credited monthly. Account does not automatically renew at maturity.
3.78% interest rate · Effective Sep 15, 2026
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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 6-month CDs pay nationwide
4,559 CDs at 3,998 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
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