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 796–810 results
- 3.85%APY$785 over 24 months on $10,000intro rate
Requirements
Offer: Standard rate. 180 day interest early withdrawal penalty applies.
Promotional rate
Rate checked
More details - AMOCO Federal Credit UnionCertificateCD · 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: Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.
Offer: Early withdrawal penalty: 120 days’ dividends.
3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - Velocity Credit UnionShare CertificateCD · 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: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 2 years (24 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 2026
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More details - Wellby FinancialWellby 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: 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: Bump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends.
Qualified rate · 3.78% interest rate · Effective Oct 1, 2026
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More details - MemberSource Credit UnionTerm Share 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: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.
3.78% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $50,000Your amount 3.85% $50,000 – $100,000 3.90% $100,000 and up 3.95% Rate checked
More details - BRAZOS VALLEY SCHOOLS CREDIT UNIONCertificate AccountCD · 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: 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 180 days dividends. Additional deposits at maturity.
3.80% interest rate · Effective Sep 26, 2026
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More details - Education First 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: Minimum Deposit: $500.00 Dividend Period: Calendar Month Dividends Compounded and Credited: Monthly
Offer: Dividend Rate: 3.784%. Dividends Compounded and Credited: Monthly.
3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - Great Meadow Federal Credit UnionShared CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Membership eligibility required. Dividends compounded at maturity. Early withdrawal forfeits earned dividends while principal balance remains intact.
Offer: Dividends compounded at maturity. Early withdrawal forfeits earned dividend.
Effective Sep 1, 2026
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More details - Citizens Bank & Trust Co.CertificatesCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.80% interest rate · Effective Oct 5, 2026
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More details - 3.85%APY$785 over 24 months on $10,000
Requirements
Offer: 2 Year term. Early withdrawal penalty: 3 Month's Interest.
3.80% interest rate · Effective Sep 24, 2026
Rate checked
More details - Earlham BankCertificates of DepositCD · 24 months · $1,000 min · 3.85%–4.00% by balance
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Terms range from 91 days to 60 months. Early withdrawal penalties may apply.
Offer: Term: 24 Months. Interest Paid: Quarterly. Automatically Renewable: Yes.
3.80% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $15,000Your amount 3.85% $15,000 and up 4.00% Rate checked
More details - Sovita Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Fixed rates for the term of the certificate. Penalty may be imposed for early withdrawal. Rates may change weekly.
Offer: Duration: 24 Months. Interest paid & compounded quarterly.
3.80% interest rate · Compounded quarterly · Effective Oct 5, 2026
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More details - The Bank of TescottCertificates of Deposit (CDs)CD · 24 months · $1,000 min · 3.49%–3.85% by balance
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Interest compounds quarterly; automatically renews. Substantial penalty for early withdrawal (e.g., 90 days interest for less than 12 months or 180 days interest for greater than 12 months).
Offer: Interest compounds quarterly; automatically renews. Early withdrawal penalty applies.
3.45% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $10,000 3.49% $10,000 and upYour amount 3.85% Rate checked
More details - First Nebraska BankCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Must be 18 or older and a resident of Nebraska, Iowa, South Dakota or Kansas. Substantial penalty may be imposed for early withdrawal (except No Penalty certificate).
Offer: Compounded quarterly. Substantial penalty may be imposed for early withdrawal.
3.80% interest rate · Compounded quarterly · Effective Oct 4, 2026
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More details - American Bank & TrustCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Fixed interest rate on daily balance until maturity. Interest accrued daily and compounded monthly. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. Special promotions may require different minimum deposits. Check writing not allowed.
3.78% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate checked
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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 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