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 61–75 results
- Birmingham City Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
5.00%APY$759 over 18 months on $10,000Requirements
Product: Deposit $500.00 minimum to start. Rates are current as of press date and subject to change without prior notice.
Rate checked
More details - Bank of Franklin CountyCertificates of DepositCD · 18 months
Bank · Add a location to see nearby branches
5.00%APY$759 over 18 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. FDIC insured up to $250,000.
Offer: 18 Month YOUTH Fair CD Special; Preferred Rate with any checking account
Qualified rate · 4.89% interest rate
Rate checked
More details - Commonwealth Credit UnionWealth Development CertificateCD · 24 months · $5 min
Credit union · Add a location to see nearby branches
5.00%APY$1,025 over 24 months on $10,000Requirements
Product: Each member may only have one account. Requires direct monthly transfer from savings ($20 min/$400 max per month for 24-month terms; $20 min/$200 max per month for 48-month terms). One withdrawal allowed within a 90-day period; a subsequent withdrawal in the same 90-day period incurs penalty and closes account. Will not renew at maturity; funds transfer to Regular Savings. Dividends paid annually on anniversary of open date.
Offer: Required monthly transfer from savings: $20 minimum, $400 maximum per month. Dividends compounded and credited annually. One withdrawal allowed per 90-day period. Transfer to Regular Savings at maturity.
5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Southern BankCertificates of DepositCD · 25 months · $1,000 min
Bank · Add a location to see nearby branches
5.00%APY$1,070 over 25 months on $10,000intro rateRequirements
Product: Personal accounts only. Early withdrawal penalties may apply.
Offer: Personal accounts only. Deposits limited to $230,000. Limited-time offer. Penalty for early withdrawal.
Promotional rate · Balance cap $230,000 · Effective Oct 17, 2026
Rate checked
More details - Sioux Valley Co-op Federal Credit UnionShare CertificatesCD · 36 months · $0 min
Credit union · Add a location to see nearby branches
5.00%APY$1,576 over 36 months on $10,000Requirements
Product: Earn a fixed rate by keeping your funds deposited for a set term. Dividends are accrued annually.
Offer: Compounded annually
Compounded annually · Effective Oct 13, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 60 months
Credit union · Add a location to see nearby branches
5.00%APY$2,763 over 60 months on $10,000with conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 5 years (1825 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.89% interest rate · Effective Oct 15, 2026
Rate checked
More details - Apple FCUBonus CertificateCD · 70 months · $500 min
Credit union · Add a location to see nearby branches
5.00%APY$3,292 over 70 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Limited-time bonus certificate rates celebrating 70 years; valid for funds currently held at Apple FCU and new money transferred from another institution. Early withdrawal penalties apply (over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends). 10-day renewal grace period.
Offer: Automatically renews as a 60-month Certificate at maturity unless notified otherwise.
Promotional rate · Effective Oct 21, 2026
Rate checked
More details - Advantage Plus Federal Credit UnionTraditional CertificateCD · 36 months
Credit union · Add a location to see nearby branches
4.99%APY$1,573 over 36 months on $10,0004.90% interest rate
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
4.94%APY$2,127 over 48 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
4.85% interest rate
Rate checked
More details - North American Savings Bank15-Month Relationship CDCD · 15 months · $1,000 min
Bank · Add a location to see nearby branches
4.92%APY$619 over 15 months on $10,000with conditionsRequirements
Product: Interest compounded daily. Relationship rates based on aggregate daily balances in qualifying NASB Checking accounts. Balance tiers for 4.97% and 5.07% tiers are blank in current evidence.
Offer: Base rate without qualifying checking relationship.
Qualified rate · 4.80% interest rate · Compounded daily
Rate checked
More details - RadiFi Credit Union9-Month Share Certificate SpecialCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.91%APY$366 over 9 months on $10,000intro rateRequirements
Product: Term for this Promotional Certificate is 9 months, with a minimum opening deposit of $500.00 from a source not on deposit within the 30 days period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. Penalty for early withdrawal. Fees may reduce earnings. Offer begins October 15, 2026.
Offer: New money only.
Promotional rate · 4.80% interest rate · Effective Oct 15, 2026
Rate checked
More details - Gulf Capital BankStandard Certificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.91%APY$1,546 over 36 months on $10,000Requirements
Product: Minimum balance to open is $1,000. For balances of $1,000 – $249,999.99. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
Offer: Term of 36 Months.
4.80% interest rate · Balance cap $249,999.99 · Effective Aug 3, 2026
Rate checked
More details - Massena Savings & Loan AssociationFixed Rate CertificatesCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.90%APY$1,543 over 36 months on $10,000Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal.
4.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Woodlands National BankStandard CD RatesCD · 60 months · $1,000 min · 4.87%–4.97% by balance
Bank · Add a location to see nearby branches
4.87%APY$2,684 over 60 months on $10,000Requirements
Product: Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.81% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.87% $50,000 and up 4.97% Rate checked
More details - LA Healthcare FCUCertificatesCD · 12 months · $1,000 min · 4.60%–5.13% by balance
Credit union · Add a location to see nearby branches
4.86%APY$486 over 1 year on $10,000Requirements
Product: Rates effective October 1, 2026; rates apply to balance tiers from $1,000.
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.60%* $10,000 and upYour amount 4.86%* $25,000 and up 5.13%* 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 CDs pay nationwide
37,729 CDs at 4,654 banks and credit unions · checked Oct 15–22
- Typical
- 3.19%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank