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 results
- CommunityWide Federal Credit UnionCW CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Offer: Dividends paid at end of each month.
3.64% interest rate · Effective Oct 1, 2026
Rate checked
More details - Commerce Bank & TrustCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 60 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.63% interest rate · Effective Oct 5, 2026
Rate checked
More details - South Bay Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Minimum balance $1,000. All accounts are insured to $1,000,000 by American Share Insurance. Online-only certificate promotions are available to current members through home banking or mobile banking only. Early withdrawal penalties apply. 9-month and 13-month certificates auto-renew to a 12-month certificate at maturity.
3.64% interest rate
Rate checked
More details - 3.70%APY$1,992 over 60 months on $10,000
Requirements
Offer: Interest compounded quarterly.
3.65% interest rate · Compounded quarterly
Rate checked
More details - Beacon Community BankCertificates of DepositCD · 60 months · $250 min
Bank · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: A minimum balance of $250.00 is required to open this account. Interest will be compounded and credited annually for terms equal to and greater than one year. Interest will be compounded and credited at maturity for CD terms less than 12 months. Early withdrawal penalties apply.
Offer: Interest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal.
Effective May 4, 2026
Rate checked
More details - Long Reach FCUCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Minimum deposit $500. Dividends paid monthly. Substantial penalty for early withdrawal. Rates subject to change without notice.
Offer: Paid monthly.
3.64% interest rate · Effective Feb 12, 2026
Rate checked
More details - Otero Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Membership eligibility requirements apply. Early withdrawal penalties apply. Fees could reduce earnings. APY is earned if dividends remain in the account for one year.
3.64% interest rate · Effective Aug 21, 2026
Rate checked
More details - Intrepid Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Dividends calculated daily and compounded/credited quarterly. Fixed rate over term. $1,000 minimum deposit to open. Early withdrawal penalties apply based on maturity term. Automatic renewal at maturity with a 10 calendar day grace period.
Offer: 60 Month - One Bump certificate. Includes an option during the first term to exchange the dividend rate for the bump-up rate then offered.
3.63% interest rate · Effective Aug 1, 2026
Rate checked
More details - Big Horn Federal Savings5 year CDCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.69%APY$1,987 over 60 months on $10,000Requirements
Offer: Entire Balance
3.63% interest rate · Effective Oct 19, 2026
Rate checked
More details - CME Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 3.69%–3.79% by balance
Credit union · Add a location to see nearby branches
3.69%APY$1,986 over 60 months on $10,000Requirements
Product: Open with $500 ($250 for youth accounts). Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal.
3.63% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $15,000Your amount 3.69% $15,000 – $50,000 3.69% $50,000 and up 3.79% Rate checked
More details - Peoples BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.68%APY$1,980 over 60 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates as of 11/3/2025. Interest rates subject to change at any time without notice. Minimum balance required to obtain stated APY. Fees may reduce earnings.
Offer: Penalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings.
3.65% interest rate · Effective Nov 3, 2025
Rate checked
More details - Highmark Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$1,975 over 60 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 · 3.60% interest rate · Effective Oct 1, 2026
Rate checked
More details - White Sands Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.67%APY$1,975 over 60 months on $10,000with conditionsRequirements
Product: Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
Offer: Requires a Platinum or Silver Debit Account
Qualified rate · 3.60% interest rate
Rate checked
More details - Guthrie Community Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.67%APY$1,975 over 60 months on $10,000Requirements
Product: Membership required with a $10 deposit. Penalty may be imposed for early withdrawal.
Offer: Daily Balance dividend method; daily compounding; dividends paid quarterly.
3.60% interest rate · Effective Oct 1, 2026
Rate checked
More details - Americo FCUShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$1,975 over 60 months on $10,000intro rateRequirements
Product: Rates fixed at time of purchase. Dividends do not compound on the share certificate; paid into primary share account. Early withdrawal penalty may apply. Current rates apply to new money deposited from outside Americo FCU only.
Offer: Applies to new money only.
Promotional rate · 3.67% interest rate · 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 5-year CDs pay nationwide
3,410 CDs at 3,034 banks and credit unions · checked Oct 22–24
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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
- Synchrony BankBank