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
- Balboa Thrift and LoanJumbo Certificates of DepositCD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
3.98%APY$98 over 3 months on $10,000Requirements
Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
3.90% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - City Credit UnionCertificate of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$98 over 3 months on $10,000Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.90% interest rate · Effective Jan 1, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min · 3.97%–4.13% by balance
Credit union · Add a location to see nearby branches
3.97%APY$98 over 3 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 - Mercer County NJ Teachers' Federal Credit UnionTerm Savings CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.96%APY$98 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. All rates subject to change without notice.
3.90% interest rate
Rate checked
More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$98 over 3 months on $10,000Requirements
Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
Offer: Loyalty Program Gold Tier (Base + 0.40% IR)
Effective Oct 9, 2026
Rate checked
More details - Security First BankTraditional Time Deposit AccountsCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$98 over 3 months on $10,000Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
Rate checked
More details - WebBankCertificates of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.96%APY$98 over 3 months on $10,000Requirements
Product: No monthly fee. Interest compounded daily.
Offer: APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Compounded daily · Effective Sep 24, 2026
Rate checked
More details - Holy Family Memorial Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.96%APY$97 over 3 months on $10,0003.90% interest rate
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APYRequirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
3.88% interest rate · Effective Oct 21, 2026
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 3 months · $1,500 min
Bank · Add a location to see nearby branches
3.95%APY$97 over 3 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 90 days simple interest for terms shorter than 1 year.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - OC Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$97 over 3 months on $10,000Requirements
Product: Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.
Offer: Premium Membership (Basic + 10 bps).
3.88% interest rate · Effective Oct 1, 2026
Rate checked
More details - Archer Cooperative Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$97 over 3 months on $10,0003.89% interest rate · Effective Oct 15, 2026
Rate checked
More details - ONE – Federal Credit UnionShare CertificateCD · 3 months · $250 min
Credit union · Add a location to see nearby branches
3.95%APY$97 over 3 months on $10,000Requirements
Product: Fixed dividend rate and APY for the term; assumption that dividends remain on deposit until maturity. Early withdrawal penalty applies. Bump-up option available once during the term. Does not renew automatically at maturity.
Offer: Dividends compounded and credited at term end.
3.95% interest rate · Effective Jul 1, 2026
Rate checked
More details - Scenic Community Credit UnionShare CertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
3.95%APY$97 over 3 months on $10,000Requirements
Product: Early withdrawal penalties apply (90 days' dividends for terms of 1 year or less; 180 days' dividends for terms longer than 1 year). Minimum deposit and balance is $2,500 for terms under 2 years and $500 for terms of 2 years or more.
Offer: 91 Day term ($2,500 minimum). Early withdrawal penalty of 90 days' dividends applies.
3.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Signature Federal Credit UnionStandard Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$97 over 3 months on $10,000Requirements
Product: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
Effective May 27, 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-month CDs pay nationwide
2,135 CDs at 1,936 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.70%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.17%
Is your bank paying you enough?
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank