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 826–840 results
- Avenir FinancialTraditional CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends are compounded and credited monthly.
Offer: Minimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - ESB FinancialCertificates of Deposit (CDs)CD · 36–47 months
Bank · Add a location to see nearby branches
3.70%APYRequirements
Product: If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.
Offer: Interest compounded quarterly.
3.65% interest rate · Compounded quarterly
Rate checked
More details - Beacon Community BankCertificates of DepositCD · 36 months · $250 min
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: A minimum balance of $250.00 is required to open this account. Interest will be compounded and credited annually for terms equal to and greater than one year. Interest will be compounded and credited at maturity for CD terms less than 12 months. Early withdrawal penalties apply.
Offer: Interest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal.
Effective May 4, 2026
Rate checked
More details - EFCU FinancialShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Minimum opening balance $500. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Bump-up option available on 30-month term certificates. Rates subject to change at any time.
Effective May 1, 2026
Rate checked
More details - Eagle 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 $10,000Requirements
Product: Rate Step Up provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the step (available on share certificates of 2 years or more). Certificates automatically renew at maturity unless new instructions are given.
Offer: Step-Up Option Available.
Rate checked
More details - Second Federal | Savings & Loan Association Of PhiladelphiaCertificates Of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000intro rateRequirements
Product: Interest compounded daily and credited quarterly. Penalty for early withdrawal applies (equal to interest for half the current term on principal withdrawn). Automatically renews at maturity with a 7-day grace period. No monthly fees.
Promotional rate · 3.63% interest rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - Big Horn Federal Savings3 year CDCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.69%APY$1,149 over 36 months on $10,000Requirements
Offer: Entire Balance
3.63% interest rate · Effective Oct 19, 2026
Rate checked
More details - Farmers Bank of WillardsCertificates of DepositCD · 36 months · $1,000 min · 3.63%–3.68% by balance
Bank · Add a location to see nearby branches
3.68%APY$1,145 over 36 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates over $250,000. Minimum of $1,000 to open account.
3.63% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Any balanceYour amount 3.68% $100,000 – $249,999Rates between $100,000-$249,999. 3.63% Rate checked
More details - Midcoast Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.68%APY$1,145 over 36 months on $10,000Requirements
Product: Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Automatically renews at maturity at the next highest regular term with a 10-day grace period. Early withdrawal penalty applies.
3.62% interest rate · Effective Oct 1, 2026
Rate checked
More details - Cadets Federal Credit UnionShare CertificateCD · 36 months · $1,000 min · 3.68%–3.93% by balance
Credit union · Add a location to see nearby branches
3.68%APY$1,144 over 36 months on $10,000Requirements
Product: Dividends are calculated using average daily balance and are paid quarterly. Early withdrawal penalties apply (4 months for 12-18 month terms, 6 months for 2 year terms, 9 months for 3-5 year terms).
Offer: 9-Month Penalty for Early Withdrawal. Dividends calculated using average daily balance and paid quarterly.
3.63% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.68% $50,000 – $99,999 3.80% $100,000 – $250,000 3.93% Rate checked
More details - Inland Valley Federal Credit UnionCertificateCD · 36 months · $500 min · 3.65%–3.71% by balance
Credit union · Add a location to see nearby branches
3.67%APY$1,142 over 36 months on $10,000Requirements
Product: Must meet field of membership requirements and pay a one-time non-refundable membership fee. Must maintain regular share savings account ($25 par value share). Minimum balance to open ranges from $500 to $1,000; must maintain minimum daily balance to earn APY. If balance falls below, certificate will be cancelled and balance transferred to regular share savings.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and up 3.65% $10,000 and upYour amount 3.67% $50,000 and up 3.69% $90,000 and up 3.71% Rate checked
More details - Community First Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$1,142 over 36 months on $10,000intro rateRequirements
Product: Rates effective October 23, 2026. $500 minimum deposit. 0.10% bonus paid on certificates of $50,000 or more for terms of 2 to 5 years.
Promotional rate · 3.60% interest rate · Effective Oct 23, 2026
Rate checked
More details - Silver State Schools Credit UnionRegular CertificatesCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APYRequirements
Product: Compounded and credited monthly. If dividends are paid by check or transferred, compounding will not occur. Early withdrawal penalty: terms 12 months or less, 90 days of dividends; terms greater than 12 months, 180 days of dividends. Membership eligibility required.
Effective Apr 17, 2026
Rate checked
More details - Ascension Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$1,142 over 36 months on $10,000Requirements
Product: Minimum deposit amount of $500.00. Early withdrawals are subject to penalty. Subject to membership eligibility.
3.61% interest rate
Rate checked
More details - State Highway Patrol Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.66%APY$1,139 over 36 months on $10,000Requirements
Product: Membership required to open Share Certificates with SHPFCU. A penalty may be imposed for early withdrawal. Minimum balance to open a share certificate is $500.00. Dividends may be paid monthly, quarterly, or annually; APY listed assumes monthly dividends.
Offer: Assumes monthly dividends. Dividends may be paid monthly, quarterly, or annually. Penalty for early withdrawal. Membership required.
3.60% interest rate
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 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