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
- Sea Air FCUShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.72%APY$1,158 over 36 months on $10,000Requirements
Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.
3.65% interest rate · Effective Oct 14, 2026
Rate checked
More details - CME Federal Credit UnionShare CertificatesCD · 36 months · $500 min · 3.72%–3.82% by balance
Credit union · Add a location to see nearby branches
3.72%APY$1,158 over 36 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.
3.66% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $15,000Your amount 3.72% $15,000 – $50,000 3.72% $50,000 and up 3.82% Rate checked
More details - Boulevard Federal Credit UnionShare CertificateCD · 36 months
Credit union · Add a location to see nearby branches
3.72%APY$1,158 over 36 months on $10,0003.65% interest rate · Effective Feb 15, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$1,155 over 36 months on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of Tuesday, October 20, 2026. Early-withdrawal penalties apply.
Offer: Monthly Crediting. Average daily balance requirement of $1,000.
3.65% interest rate · Effective Oct 20, 2026
Rate checked
More details - Frankfort Community Federal Credit UnionCertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.71%APY$1,155 over 36 months on $10,0003.65% interest rate · Effective Oct 23, 2026
Rate checked
More details - Heartland Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$1,155 over 36 months on $10,000Requirements
Product: Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
Offer: Minimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members.
3.65% interest rate · Effective Oct 14, 2026
Rate checked
More details - Addition Financial Credit UnionTerm Share CertificateCD · 36–47 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APYRequirements
Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.
3.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - Castroville State BankCertificate of DepositCD · 36 months · $1,000 min · 3.71%–4.07% by balance
Bank · Add a location to see nearby branches
3.71%APY$1,155 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply.
3.65% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.71% $25,000 – $100,000 3.92% $100,000 and upJUMBO'S 4.07% Rate checked
More details - Grow FinancialCertificate AccountCD · 36–47 months · $500 min · 3.71%–3.82% by balance
Credit union · Add a location to see nearby branches
3.71%APYRequirements
Product: Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Membership required.
Offer: Must maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY.
3.65% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 3.71% $100,000 and up 3.82% Rate checked
More details - Eastmill Federal Credit UnionCertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$1,155 over 36 months on $10,000Requirements
Product: Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.
3.65% interest rate · Effective Apr 1, 2026
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate. Dividends compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 3 year term. Requires Premium Deposit Account qualification.
Qualified rate · 3.65% interest rate · Effective Mar 24, 2026
Rate checked
More details - Priority Trust Credit UnionCertificates of Deposit AccountsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Interest is compounded and credited monthly. Minimum amount to open a Certificate is $1,000. APY assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. All accounts must remain open through the end of the dividend period or maturity date to be paid accrued dividends. Early withdrawal penalty may apply. Non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).
3.64% interest rate
Rate checked
More details - Affinity One Federal Credit UnionTerm Share CertificatesCD · 36–47 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APYRequirements
Product: Minimum deposit of $1,000 for standard CD. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
Rate checked
More details - Salt City Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000intro rateRequirements
Product: Renew automatically at maturity. Minimum balance $1,000. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 12/31/26.
Offer: Compounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity.
Promotional rate · 3.65% interest rate · Effective Oct 16, 2026
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More details - Unity Catholic FCUTerm Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,0003.65% interest rate · Effective Oct 23, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 3-year CDs pay nationwide
4,160 CDs at 3,669 banks and credit unions · checked Oct 22–24
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank