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 766–780 results
- Beacon Federal Credit UnionCertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Compounding monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Early withdrawal penalty applies. Minimum balance for kids/Youth Certificates is $500.00. Jumbo Certificates: $90,000 minimum; rates vary.
3.93% interest rate · Effective Oct 6, 2026
Rate checked
More details - Baptist Credit UnionCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.
Offer: Term is 365 Days (1-Year). Early withdrawal penalty: 30 Days Dividends.
3.93% interest rate · Effective Sep 25, 2026
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More details - BRAZOS VALLEY SCHOOLS CREDIT UNIONCertificate AccountCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Compounded and credited quarterly. Average Daily Balance Method used to calculate interest. Dividends accrue on business day funds are deposited. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: up to 90 days dividends. Additional deposits at maturity.
3.94% interest rate · Effective Sep 26, 2026
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More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 365 Day term, balance Less than $50,000.
Qualified rate · 4.00% interest rate
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More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 365 Day term, Jumbo balance.
Qualified rate · 4.00% interest rate
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More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Rates subject to change at any time.
Promotional rate · Effective Jul 1, 2026
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More details - Service 1st Federal Credit UnionRegular Certificate AccountsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: minimum investment of only $500 3 to 60 month terms available dividend rate fixed for the term of the certificate APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures dividends compounded and posted quarterly penalty for early withdrawal funds insured up to $250,000 by the NCUA, National Credit Union Administration
Offer: Penalty for early withdrawal.
3.94% interest rate · Effective Oct 1, 2026
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More details - Riverfront Federal Credit UnionPreferred CertificatesCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Requires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - Penlanco Federal Credit UnionCertificatesCD · 12 months · $500 min · 3.70%–4.25% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Withdrawal penalties impact APY. Members Helping Members - New Money Certificate Special requires new money (funds not currently on deposit with Penlanco FCU; transfers from existing accounts/certificates do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify). Maximum $1 million in total deposits accepted under promotion with limit of $250,000 per household. Fees may reduce earnings.
Offer: Early withdrawal penalties apply. Withdrawal penalties impact APY.
Promotional rate · 3.65% interest rate
Rate by balance
Rate by balance for Certificates Balance APY Any balance 3.70% $500 and upYour amountMembers Helping Members — New Money Certificate Special. Minimum deposit of $500 in new money required. Certificate term is 12 months. Penalty may be imposed for early withdrawal. Maximum $1 million in total deposits accepted under promotion, limit $250,000 per household. New money is defined as funds not currently on deposit with Penlanco FCU; transfers do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify. 4.00% $50,000 and upMembers Helping Members — New Money Certificate Special. Minimum deposit of $50,000 in new money required. Certificate term is 12 months. Penalty may be imposed for early withdrawal. Maximum $1 million in total deposits accepted under promotion, limit $250,000 per household. New money is defined as funds not currently on deposit with Penlanco FCU; transfers do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify. 4.25% Rate checked
More details - Corazo Credit UnionRegular CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Short-term (< 1 year) or long-term (> 1 year). Dividends can be compounded, mailed, or deposited to savings or checking. Flexibility to make deposits anytime during certificate term. NCUA insured up to $250,000.
Offer: 12 Month Promo. Fixed rate type. Minimum balance to earn dividend is $500.
Promotional rate · 3.93% interest rate · Effective Oct 1, 2026
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More details - SRI Federal Credit UnionRegular CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends paid monthly. Early withdrawal penalties apply.
Effective Oct 1, 2026
Rate checked
More details - State CS Employees Federal Credit UnionTraditional CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Early withdrawal penalty may reduce earnings on term Certificate accounts. Dividends compounded and credited monthly based on average daily balance.
3.93% interest rate · Effective Aug 27, 2026
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More details - State CS Employees Federal Credit UnionLucky Savers CertificateCD · 12 months · $25 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Special 12-month certificate account. Every $25 deposit made (up to $250 per month) gives a chance to win monthly and quarterly cash prizes (up to 10 chances per month). Additional deposits permitted throughout the term. Dividends compounded and credited monthly. Early withdrawal penalty may reduce earnings.
3.93% interest rate · Effective Aug 27, 2026
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More details - Catholic Credit UnionShare Certificates (CD's)CD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends paid at maturity. $1,000.00 minimum. Rates are subject to change. Fees could reduce earnings on Share Certificates. Early withdrawal penalty applies for Share Certificates (90 day penalty of interest for withdrawing the funds before the maturity date). Terms vary from 6 months to 48 months.
Offer: Dividends paid at maturity. $1,000.00 minimum.
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More details - KEMBA Financial Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
Offer: KEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements.
Qualified rate · Effective Aug 1, 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 1-year CDs pay nationwide
5,320 CDs at 4,376 banks and credit unions · checked Oct 22–24
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.45%
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Top Carrot institutions
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- Synchrony BankBank