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 of 4,559 results
- Directions Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Unico BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Fixed interest rates for guaranteed returns. Terms range from 91 days to 60 months. No setup or maintenance fees. Interest paid monthly if compounded, deposited to a Unico Bank checking/savings account, or paid via ACH; paid quarterly if paid via check. Automatically renews at maturity unless requested otherwise at opening. Early withdrawal penalty applies.
Offer: 6 Month term. Early withdrawal penalty applies.
3.75% interest rate · Effective Sep 17, 2026
Rate checked
More details - Ascend Federal Credit UnionRegular Share CertificateCD · 6 months · $500 min · 3.82%–3.87% by balance
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 90 days' dividends for early withdrawal.
3.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Balance APY Any balanceYour amount 3.82% $100,000 and upJumbo certificate. A negotiated rate may be obtained for $100,000.00 or greater. 3.87% Rate checked
More details - Neighbors Federal Credit UnionShare CertificatesCD · 6 months · $1,500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, funds may be automatically renewed or paid to a designated account.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Encompass Credit UnionCertificates of DepositsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: A Regular Savings Account is required. There may be penalties for early withdrawal. Membership is open to individuals who live, work, worship, or attend school in Tipton, Clinton, or Howard County, Indiana, and their immediate family members.
Offer: There may be penalties for early withdrawal. A Regular Savings Account is required.
3.75% interest rate
Rate checked
More details - SunWest Credit Union of ArizonaCertificate of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Dividends paid monthly. Fixed rates in effect for the term of the account. A penalty may be imposed for early withdrawal. Must be a SunWest member to open.
3.75% interest rate
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Offer: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Effective Sep 17, 2026
Rate checked
More details - Sunbelt 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 $10,000intro rateRequirements
Product: Available to members 18+ years old. Minimum opening balance of $500 required. Additional deposits are not permitted after opening. Daily balance method is used to calculate dividends. Certificate specials automatically renew to the next highest term upon maturity if the promotional term is no longer available. Early withdrawal penalties apply (90 days dividends for terms <= 12 months, 180 days dividends for terms > 12 months; $25 early withdrawal fee plus interest penalty). A 5-day grace period applies after maturity.
Promotional rate · 3.75% interest rate · Effective Sep 24, 2026
Rate checked
More details - Gardiner 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: Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
3.75% interest rate · Effective Aug 1, 2025
Rate checked
More details - Greenville Heritage Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min · 3.82%–4.34% by balance
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: Dividends are calculated by the daily balance method and are compounded and credited monthly. A membership share with a par value of $5.00 is required. Substantial penalty for early withdrawal.
Offer: Dividends compounded and credited monthly. Anticipated dividend rate subject to change prior to quarter end.
Promotional rate · 3.75% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $50,001Your amount 3.82% $50,001 – $100,001 4.08% $100,001 and up 4.34% Rate checked
More details - Postal Family FCUShare 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: Penalties for early withdrawals apply. Rates are subject to change without notice.
Rate checked
More details - IBEW 317 Federal Credit Unionshare certificates (cd)CD · 6 months
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Membership is open to sworn-in members of IBEW Local Union 317 or immediate family members. All accounts opened as Regular Shares with an initial deposit of $5.25.
Offer: Dividends paid monthly.
3.75% interest rate
Rate checked
More details - Gulf Coast Business BankCertificates of DepositCD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Available for personal or business purposes.
Offer: Rate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply.
3.75% interest rate · Balance cap $250,000 · Effective Aug 6, 2026
Rate checked
More details - Country Bank for SavingsRelationship Certificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000with conditionsRequirements
Product: Must be a primary or joint owner on Relationship Rewards Checking Account. Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies.
Offer: Primary or Joint Owner on Relationship Rewards Checking
Qualified rate · 3.75% interest rate · Effective Aug 3, 2026
Rate checked
More details - HTM Credit UnionTerm Share 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: All certificates are subject to an early withdrawal penalty (3 months' dividends). Certificates automatically renew unless instructed otherwise. Dividends are compounded and posted monthly. If member opts to have dividends transferred to a Share account or check mailed, the certificate is non-compounding.
Offer: Minimum dividend balance of $1,000. Dividends earned on actual certificate balance and compounded monthly.
3.75% interest rate · Compounded monthly · Effective Dec 19, 2025
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