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
- Tendto Credit UnionShare CertificatesCD · 48–59 months · $1,000 min · 4.38%–4.79% by balance
Credit union · Add a location to see nearby branches
4.38%APYRequirements
Product: All rates and yields stated below are accurate as of October 1, 2026 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened. Choose your term from 6 to 60 months, or any month in between. Penalty imposed for early withdrawal.
4.31% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.38% $25,000 and up 4.43% $75,000 and up 4.54% $125,000 and up 4.64% $200,000 and up 4.79% Rate checked
More details - Massena Savings & Loan AssociationFixed Rate CertificatesCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.38%APY$1,871 over 48 months on $10,000Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 48 months
Bank · Add a location to see nearby branches
4.37%APY$1,866 over 48 months on $10,000Requirements
Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Penalty with early withdrawal.
4.30% interest rate · Effective Jun 22, 2026
Rate checked
More details - 4.35%APY$1,857 over 48 months on $10,000
Effective Oct 22, 2026
Rate checked
More details - Canyon View Credit UnionAdd-On CertificateCD · 48 months · $10 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: $10 minimum to open; aggregate limit $250,000; consumer accounts only. Automatically renews for same term unless otherwise requested at maturity. Dividends are paid monthly. Early withdrawal penalties may apply. Min. $10 in primary savings required. Membership required. Other restrictions may apply.
4.27% interest rate · Balance cap $250,000 · Effective Oct 9, 2026
Rate checked
More details - Canyon View Credit UnionRegular Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.27% interest rate · Effective Oct 9, 2026
Rate checked
More details - Goldenwest Credit UnionStandard CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
4.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - Luana Savings BankCertificate of Deposit (CD)CD · 48 months · $2,000 min · 4.35%–4.50% by balance
Bank · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Open online nationwide or at any branch. $2,000 minimum opening deposit (excludes Kid's CD). No setup or maintenance fees.
4.30% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $2,000 – $100,000Your amount 4.35% $100,000 and up 4.50% Rate checked
More details - Meadowland Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.
4.28% interest rate · Effective Oct 15, 2026
Rate checked
More details - Leader BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,0004.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 48–59 months
Credit union · Add a location to see nearby branches
4.35%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 4 years (1460-1824 days). Standard rate.
Qualified rate · 4.27% interest rate · Effective Oct 15, 2026
Rate checked
More details - Central BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
4.26% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - Class Act Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000intro rateRequirements
Product: Offers include terms from 91 days to 48 months and a 60-month Bump-Up Share Certificate allowing a one-time rate bump-up if rates improve. Rate effective 2026-10-15 and subject to change at any time.
Promotional rate · 4.27% interest rate · Effective Oct 15, 2026
Rate checked
More details - Fairmont Federal Credit UnionShare CertificatesCD · 48 months · $1,500 min · 4.35%–4.55% by balance
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Fixed rates throughout length of term. Dividends earned may be: Deposited into another account Compounded monthly back into the certificate Dividend-only penalty for early withdrawal Auto-renewed unless specified $500–$1,500 minimum deposit to open Request Info Membership eligibility requirements may apply
4.27% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,500 and upYour amount 4.35% $100,000 and upJumbo Certificates 4.45% $250,000 and upJumbo Certificates 4.55% Rate checked
More details - The Commercial BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: May have an early withdrawal penalty. Can be set to automatically renew.
Offer: Early withdrawal penalty: 12 Months.
Effective Oct 15, 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 4-year CDs pay nationwide
3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 3.98%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.20%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank