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 841–855 results
- Seaboard Federal Credit UnionCertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.75% interest rate · Effective Oct 7, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
3.75% interest rate · Effective Oct 1, 2026
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More details - First National Bank in OlneyCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
3.75% interest rate · Effective Sep 15, 2026
Rate checked
More details - First State Bank of Beecher CityCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal on above accounts. All interest rates subject to change.
Offer: 24 Month term. Penalty for early withdrawal.
3.75% interest rate · Effective Sep 29, 2026
Rate checked
More details - Vantage Point Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lincoln County Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Rates can change daily. A penalty will be imposed for early withdrawal.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Town & Country Federal Credit UnionCertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000intro rateRequirements
Product: Penalties may apply for early withdrawal. Requires $500 minimum opening deposit. Dividends can be withdrawn when and how desired. Automatically rolls over at maturity.
Offer: Special promotional rate.
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Peoples Advantage FCUShare CertificateCD · 24 months · $1,000 min · 3.82%–3.92% by balance
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
3.77% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.82% $50,000 and up 3.92% Rate checked
More details - Post Office Employees Credit UnionCertificate of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000with conditionsRequirements
Product: Minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly. Rate boosts available via CD Loyalty Special / Reward Qualifications: +0.50% dividend rate for active Visa (open/active 90 days, min 2 transactions/mo over previous 3 mos), +0.50% dividend rate for active Checking (open/active 90 days, min 4 transactions/mo over previous 3 mos), and +0.25% dividend rate for enrolling in e-Statements on or before opening CD (max loyalty reward = 1.25%).
Offer: Base Rate + 1.00% (e.g. active Visa and active Checking account parameters)
Qualified rate · 3.75% interest rate · Effective Mar 19, 2025
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More details - NextStep Federal Credit UnionCertificate AccountsCD · 24 months
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Step-up option available on 36-60 month certificates. Additional 10 basis points (0.10%) for deposits over $50,000.
3.75% interest rate
Rate checked
More details - O&R Utilities Employees Federal Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Minimum balance to open is $500. Terms offered from 6 to 60 months. Dividends are compounded daily and credited monthly. Early withdrawal penalty applies: 90 days of dividends for maturity dates less than 1 year, and 180 days of dividends for maturity dates of more than 1 year.
3.75% interest rate · Compounded daily · Effective Dec 1, 2025
Rate checked
More details - Finanta Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,0003.75% interest rate
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More details - American Baptist Association Credit UnionShare CertificatesCD · 24 months · $1,000 min · 3.82%–4.86% by balance
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Early withdrawal fees may apply. Rates are subject to change.
Offer: Balance tier: $1,000 to $99,999.
3.75% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $99,999Your amount 3.82%* $100,000 and up 4.86%* Rate checked
More details - Eastex Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Dividends can be compounded quarterly in the share certificate or transferred quarterly to another Eastex account.
3.75% interest rate · Compounded quarterly
Rate checked
More details - StagePointShare Certificate AccountsCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$779 over 24 months on $10,000Requirements
Product: Dividends are compounded and credited on the last day of the month and at maturity. Option for dividend payment designation upon certificate opening. Early withdrawal penalty applies: 90 days of dividends for 3, 6 & 12 months; 180 days of dividends for 18, 24, 36, 48 & 60-month share certificates. Minimum $500 to maintain the account.
Offer: Dividend rate stated as 'As high as 3.75%'.
3.75% interest rate
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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