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 751–765 of 4,559 results
- Valley Credit UnionTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Compounding monthly. A penalty applies for early withdrawal.
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - IBEW and United Workers Federal Credit Union6 Month Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,0003.75% interest rate · Effective Aug 1, 2026
Rate checked
More details - Elko Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Must purchase and maintain the minimum required share(s) in a Share Savings account (5 shares at $5.00 par value = $25.00) and pay a nonrefundable membership fee ($5.00 regular, $2.00 student). Early withdrawal penalty applies: 30 days dividends for terms 12 months or less, 90 days dividends for terms 24 months or greater. Renews automatically at maturity with no grace period. Additional deposits not allowed during term. Compounded and credited monthly.
Offer: Certificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal.
3.75% interest rate · Effective Apr 9, 2026
Rate checked
More details - Elko Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Must purchase and maintain the minimum required share(s) in a Share Savings account (5 shares at $5.00 par value = $25.00) and pay a nonrefundable membership fee ($5.00 regular, $2.00 student). Early withdrawal penalty applies: 30 days dividends for terms 12 months or less, 90 days dividends for terms 24 months or greater. Renews automatically at maturity with no grace period. Additional deposits not allowed during term. Compounded and credited monthly.
3.75% interest rate · Effective Apr 9, 2026
Rate checked
More details - United Community Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Substantial penalty for early withdrawal.
3.75% interest rate
Rate checked
More details - LibertyOne Credit UnionRegular CDCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: 5-Star Member rates are 1% higher. Step Up rate once during the term for a nominal fee.
Offer: 5-Star Member rates are 1% higher; Step Up rate once during the term for a nominal fee.
Promotional rate · 3.75% interest rate
Rate checked
More details - Northern Redwood FCUCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,0003.75% interest rate · Effective Feb 5, 2026
Rate checked
More details - Malden Federal Credit UnionCertificate AccountCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.
Offer: Minimum amount $500.00.
3.75% interest rate · Compounded monthly · Effective Aug 28, 2026
Rate checked
More details - Emblem Credit UnionTerm Share Certificate AccountsCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: Penalties may apply for early withdrawal. Reduced $300 minimum deposit to open for youth accounts (Embark Youth Club and Empower Teen Club only). No setup or maintenance fees.
Promotional rate · 3.75% interest rate · Effective Oct 15, 2026
Rate checked
More details - Coteau Valley Federal Credit UnionShare CertificatesCD · 6 months · $5,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly Dividends calculated by average daily balance Automatic renewal with a 10 day grace period A 0.200% dividend increase is available for non-profit organizations. Penalties 6 month CD - loss of one quarter's earnings 12 month & up - loss of two quarter's earnings
Offer: A 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period.
3.75% interest rate · Effective Oct 15, 2026
Rate checked
More details - Bangor Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - Wells River Savings BankCertificates of Deposit (CD)CD · 6 months · $200 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Penalty imposed for early withdrawal prior to maturity date.
Offer: Penalty imposed for early withdrawal prior to maturity date.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Signal FinancialShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
3.75% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Croghan Colonial BankCertificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Account subject to deposit account approval. Early withdrawal penalties may apply. Fees may reduce earnings on the account.
Offer: Early withdrawal penalties apply. CDs automatically renew at maturity at current renewal rates. Account subject to deposit account approval. Fees could reduce earnings on the account. Rates are subject to change without notice.
Effective Sep 30, 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank