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
- 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Minimum balance to open certificate and obtain stated APY is $1,000.00. CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
Offer: CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
3.68% interest rate · Effective Sep 21, 2026
Rate checked
More details - Clearway Federal Credit UnionCertificate AccountCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Certificate rates are subject to change weekly.
3.70% interest rate
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More details - America's Credit UnionPromotional Share Certificates ($5,000+)CD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal. Maximum deposit of $250,000 per member account.
Offer: Maximum $250,000 per member account.
3.69% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Ellafi Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.
3.69% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalties apply. Renewal rates at maturity will be at the prevailing rates and may be higher or lower than the maturing certificate rate.
3.68% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - Billings Federal Credit UnionShare Certificates – RegularCD · 18 months · $2,500 min · 3.55%–3.90% by balance
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: $25.00 Share Savings deposit required. Dividends compound monthly. Early withdrawal penalty applies. Secure Checking account holders receive a 0.10% rate premium on share certificates with terms of one year or more.
Offer: Compounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates – Regular Balance APY $2,500 and up 3.55% $10,000 and upYour amount 3.75% $50,000 and up 3.80% $100,000 and up 3.90% Rate checked
More details - Members1st Community Credit UnionCertificates of Deposit (CDs)CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Some restrictions may apply.
Offer: 18 months special – limited time! Penalty for early withdrawal. Some restrictions may apply.
Promotional rate · 3.69% interest rate
Rate checked
More details - Star of Texas Credit UnionCertificate of DepositCD · 18 months · $1,000 min · 3.75%–3.95% by balance
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.
Offer: Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.75% $50,000 – $100,000 3.85% $100,000 and up 3.95% Rate checked
More details - Openland Credit UnionTerm Share CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
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More details - Openland Credit UnionNo Penalty CD SpecialCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: Limited time offer. Member may withdraw or add additional funds during initial term only (maximum of one addition of funds and one early penalty-free withdrawal). Not eligible for businesses or IRA CDs. Membership required with $1 minimum opening deposit for savings account.
Offer: Limited to a maximum of one addition of funds and one early penalty-free withdrawal during initial term only. Not eligible for businesses or IRA CDs.
Promotional rate · Effective Feb 1, 2026
Rate checked
More details - Beacon Federal Credit UnionCertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months 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.
3.69% interest rate · Effective Oct 6, 2026
Rate checked
More details - Wellby FinancialWellby CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000with conditionsRequirements
Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
Offer: Standard rate. Fixed rate until maturity. Early withdrawal penalty of 180 days dividends.
Qualified rate · 3.68% interest rate · Effective Oct 1, 2026
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More details - Central Bank IllinoisCertificates of Deposit (CDs)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.
Offer: Penalty for early withdrawal
Promotional rate · 3.72% interest rate · Effective Sep 30, 2026
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More details - Heritage Valley Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Fixed rate share certificates with terms ranging from 90 days to 60 months. Penalty for early withdrawal. Dividends compounded monthly, except for 90-day certificates which compound at maturity.
3.69% interest rate · Compounded monthly
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More details - Spirit Financial CUShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$568 over 18 months on $10,0003.69% interest rate · Effective Oct 6, 2026
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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
What 18-month CDs pay nationwide
3,154 CDs at 2,793 banks and credit unions · checked Oct 22–24
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.90%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank