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 781–795 results
- Sharefax Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Qualified rate · 3.78% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - State Department Federal Credit UnionCertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.
Offer: Dividends are compounded and credited quarterly and at maturity.
Effective Oct 1, 2026
Rate checked
More details - The Cecilian BankCertificate of Deposit (CDs)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000 - FNB BankCertificates of Deposits (CD's)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: 3 Month to 60 Month Term CD's Available. Substantial penalty on early withdrawal – Fees May Reduce Earnings. Call for all other terms/rates.
Offer: Quarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings.
3.80% interest rate · Effective Oct 15, 2026
Rate checked
More details - Desert FinancialSavings CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Must maintain an open Membership Savings account with a minimum balance requirement of $25. Dividends credited and compounded monthly on the last day of the month. Automatically renews for the same term at current rate with a 10-day grace period.
Offer: $1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply.
Promotional rate · 3.78% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - A+ Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
Effective Oct 15, 2026
Rate checked
More details - Pathways Financial Credit UnionShare CertificatesCD · 24 months · $500 min · 3.85%–3.95% by balance
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Rate and annual percentage yield is fixed for the term of the share certificate. Penalty for early withdrawal of principal: 180 days' dividends for terms less than 36 months, 365 days' dividends for terms equal to or greater than 36 months. Must allow earnings to be added to certificate balance to earn stated APY; withdrawal of monthly earnings will not allow earning stated APY.
Offer: Early withdrawal penalty applies (180 days' dividends for terms under 36 months). Earnings must remain in certificate to earn stated APY.
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.85% $100,000 and up 3.95% Rate checked
More details - First Federal SavingsCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000intro rateRequirements
Product: Rate subject to change daily. Interest may be paid by check or transferred to a First Federal checking or savings account. Minimum additions of $250.00 or more permitted for some terms. Penalty may be imposed for early withdrawal.
Offer: 24 Month CD ++
3.80% interest rate · Effective Oct 7, 2026
Rate checked
More details - The Cornerstone BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,0003.78% interest rate · Effective Oct 15, 2026
Rate checked
More details - La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000with conditionsRequirements
Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
Offer: APY 3.85% with $1,000 minimum opening.
Qualified rate · Effective Oct 9, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Effective Oct 13, 2026
Rate checked
More details - 3.85%APY$785 over 24 months on $10,000intro rate
Requirements
Product: Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
Offer: Interest compounded daily and credited monthly. Penalty for early withdrawal.
Promotional rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Standard rate.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Seattle BankCertificates of Deposit (CD)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.
Offer: All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings.
Compounded daily
Rate checked
More details - Ellafi Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 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.
3.78% interest rate · Effective Oct 6, 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
What 2-year CDs pay nationwide
4,629 CDs at 4,045 banks and credit unions · checked Oct 22–24
- Typical
- 3.05%
- Top 10% from
- 4.06%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank