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 76–90 results
- Connecticut State Police Credit UnionCertificates of DepositCD · 120 months · $500 min
Credit union · Add a location to see nearby branches
4.86%APY$6,065 over 120 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Accounts compound monthly.
Offer: Early withdrawal penalty of 270 days dividends. Compounded monthly.
4.75% interest rate · Compounded monthly · Effective Sep 21, 2026
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 18 months · $1,500 min
Bank · Add a location to see nearby branches
4.85%APY$736 over 18 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - Members 1st Credit Union75th Anniversary CD SpecialCD · 12 months · $7,500 min
Credit union · Add a location to see nearby branches
4.84%APY$484 over 1 year on $10,000intro rateRequirements
Product: Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.
Offer: Open a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - RiverWorks Credit Union6 Month CD SpecialCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.80%APY$237 over 6 months on $10,000intro rateRequirements
Product: Special offer available online or at 24 Broadway/Route 1 in Lynnfield. Penalty for early withdrawal. Minimum deposit of $500.00. Membership eligibility required. Federally insured by NCUA; shares in excess of $250,000 fully insured by MSIC.
Offer: Headline lists 4.07% APY*; footnote specifies APY = 4.80% and Rate = 4.70% effective 9/19/24. Penalty for early withdrawal. Minimum deposit $500.00. Membership eligibility required.
Promotional rate · 4.70% interest rate · Effective Sep 19, 2024
Rate checked
More details - Rhode Island Credit UnionCertificates of DepositCD · 8 months · $500 min
Credit union · Add a location to see nearby branches
4.80%APY$317 over 8 months on $10,000Requirements
Product: Minimum opening deposit of $500 required. Terms ranging from 3 months to 42 months. Early withdrawal penalty may apply.
Offer: Assumes interest remains on deposit until maturity. Early withdrawal penalty may apply.
4.76% interest rate · Effective Oct 8, 2026
Rate checked
More details - Dakota Community Bank & TrustCertificate of Deposit (CD)CD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.80%APY$1,510 over 36 months on $10,000Requirements
Product: CD interest payments available via Auto Transfer or electronic deposit. For 3, 6, 9, 12 month CDs: interest is not compounded, credited at maturity. For 18, 24, 27, 36, 39, 54, 69, 78, 89 month CDs: interest is compounded and credited annually. Early withdrawal penalty may apply.
Offer: Interest compounded annually and credited annually.
4.80% interest rate · Compounded annually · Effective Oct 15, 2026
Rate checked
More details - Georgia Heritage Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.80%APY$2,642 over 60 months on $10,000Requirements
Product: Minimum opening deposit of $500 is required. Dividends paid monthly. Automatic renewal.
Offer: 180 Days penalty may apply for early withdrawal and may reduce earnings.
4.70% interest rate
Rate checked
More details - Happen BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.76%APY$975 over 24 months on $10,000Requirements
Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.
4.66% interest rate · Balance cap $500,000 · Effective Oct 21, 2026
Rate checked
More details - Crouse Federal Credit UnionCertificatesCD · 6 months · $1,000 min · 4.60%–4.86% by balance
Credit union · Add a location to see nearby branches
4.75%APY$235 over 6 months on $10,000Requirements
Product: Maximum Certificate per member: $250,000.00. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.60% $10,000 and upYour amount 4.75% $25,000 and up 4.86% Rate checked
More details - United Midwest Savings BankCertificate of DepositCD · 6–12 months · $500 min
Bank · Add a location to see nearby branches
4.75%APYRequirements
Product: Must open initial accounts in-person at a branch office. Penalties apply for early withdrawal. Select terms from 3 months to 5 years available; contact local branch for other terms and rates.
Offer: Requires $500 minimum balance to earn the APY. Penalty for early withdrawal.
Rate checked
More details - Postal & Community Credit UnionShare CertificatesCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.75%APY$354 over 9 months on $10,0004.65% interest rate · Effective Sep 29, 2026
Rate checked
More details - E*TRADE from Morgan StanleyCertificates of DepositCD · 12 months · $0 min
Bank · Add a location to see nearby branches
4.75%APY$475 over 1 year on $10,000intro rateRequirements
Product: Fixed rates. Open minimum $0. Early withdrawal penalties apply.
Offer: Offer expires 10/19/2026.
Promotional rate · 4.64% interest rate · Effective Oct 16, 2026
Rate checked
More details - Sidney FCURegular CertificatesCD · 15 months · $500 min · 4.75%–5.00% by balance
Credit union · Add a location to see nearby branches
4.75%APY$597 over 15 months on $10,000Requirements
Product: Effective as of October 16, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
Offer: Fixed Rate - Special. Minimum balance to open $500.
4.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $500 and upYour amount 4.75% $250,000 and up 5.00% Rate checked
More details - INOVA Federal Credit UnionCertificatesCD · 20 months · $200 min
Credit union · Add a location to see nearby branches
4.75%APY$804 over 20 months on $10,000Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
Offer: 20 Month Special
4.65% interest rate
Rate checked
More details - Unison Credit UnionTerm Share CertificatesCD · 23 months · $2,000 min
Credit union · Add a location to see nearby branches
4.75%APY$930 over 23 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings.
Offer: 23 Month term. Minimum deposit/balance of $2000 to open/earn APY. Penalty for early withdrawal.
4.67% 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 CDs pay nationwide
37,729 CDs at 4,654 banks and credit unions · checked Oct 15–22
- Typical
- 3.19%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank