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 of 4,559 results
- Affinity PlusBasic CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
3.74% interest rate
Rate checked
More details - Embarrass Vermillion FCUShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: All certificates require a $500 minimum deposit. Early withdrawal penalty applies.
3.75% interest rate · Effective Nov 20, 2025
Rate checked
More details - Co-op Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
3.74% interest rate · Effective Sep 29, 2026
Rate checked
More details - F&M Bank and Trust CompanyCertificates of Deposit (CDs)CD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Interest on CDs accrues daily and is compounded quarterly. A penalty may be imposed for early withdrawal.
Offer: In-House Special. 6 month term. The minimum to open is the minimum balance to obtain the APY.
3.75% interest rate · Compounded quarterly · Effective Sep 24, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 6 months · $500 min · 3.80%–3.95% by balance
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 3.80% $100,000 and upJumbo tier. 3.95% Rate checked
More details - Alpena Alcona Area Credit UnionRegular CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 180 Day term; interest compounded and credited quarterly
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Gundersen Credit UnionCertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: Dividends calculated from date of issuance to maturity, paid and compounded quarterly. Additional deposits not permitted. Early withdrawal penalty of 180 days worth of interest. Auto-renews for same term unless notified within 10 days after maturity, redemption established at opening, or if special (transfers to deposit account).
Promotional rate · 3.75% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Farmers State BankCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,0003.76% interest rate · Effective Oct 5, 2026
Rate checked
More details - Union State BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: $1,000 minimum deposit. Penalty for early withdrawal. Fees may reduce earnings.
3.75% interest rate · Effective Sep 25, 2026
Rate checked
More details - Willis Knighton Federal Credit UnionShare CertificatesCD · 6 months
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Advertised rates are subject to change without notice. Early Withdrawal Penalties May Apply.
Offer: Early Withdrawal Penalties May Apply. Advertised Rates are subject to change without notice.
3.75% interest rate · Effective Sep 30, 2026
Rate checked
More details - West Gate BankCertificates of DepositCD · 6 months · $1,000 min · 3.80%–4.08% by balance
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Rates disclosed are for customers of West Gate Bank with CD balances below $250,000. Add 0.25% to interest rate for balances at or over $250,000.00. Fixed rate. Additional deposits are not permitted. CDs automatically renew with a 10-day grace period. Early withdrawal penalty is 12 months interest.
Offer: Balances below $250,000. Available to open online.
3.75% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.80% $250,000 and up 4.08%* Rate checked
More details - Consumers Cooperative Federal Credit UnionCertificate of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Minimum deposit to open is $500. Members may add funds one time during the term of the certificate, and may elect to change the dividend rate and APY one time during the term.
Offer: Dividends compounded quarterly.
3.75% interest rate · Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - Harrison Police & Firemen's Federal Credit Union6 Month CertifcateCD · 6 months
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,0003.75% interest rate · Effective Oct 4, 2026
Rate checked
More details - First National Bank of Eastern Arkansas6 Month CDCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal (7 Day CD - 18 Month CD: 31 days). Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Fees may reduce earnings.
Offer: Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Early withdrawal penalty: 31 days.
3.75% interest rate · Effective Aug 9, 2023
Rate checked
More details - Credit Union of DenverCertificates - TraditionalCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.
Offer: Compounds monthly. Early withdrawal penalties may apply.
Effective Oct 1, 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 6-month CDs pay nationwide
4,559 CDs at 3,998 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank