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
- Community Savings BankCertificates of DepositCD · 9 months · $5,000 min
Bank · Add a location to see nearby branches
4.25%APY$317 over 9 months on $10,000Requirements
Product: Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
Offer: Special rate. Compounded quarterly. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate.
4.18% interest rate · Compounded quarterly · Effective Feb 18, 2025
Rate checked
More details - Poppy BankPersonal Certificate of Deposit AccountsCD · 9 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$317 over 9 months on $10,000Requirements
Offer: APY accurate as of September 24, 2026. Rate may change after account is opened. Minimum balance requirement must be maintained in the account each day to obtain the disclosed APY. Grace period of seven calendar days after maturity to withdraw funds without penalty. Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.
4.16% interest rate · Effective Sep 24, 2026
Rate checked
More details - All One Credit UnionTerm Share CertificatesCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$317 over 9 months on $10,000Requirements
Product: Early withdrawal penalties may be imposed. Fees may reduce earnings. Membership requirements apply.
Offer: The minimum balance to open and earn stated APY is $500 and all funds deposited must be new money. New money is considered any funds deposited at AOCU for the first time or not previously on deposit at AOCU within the last 30 calendar days. Re-occurring direct deposits or other re-occurring ACH deposits do not qualify as new money. Advertised terms and APY are available for a limited time only and may be withdrawn without notice.
4.16% interest rate · Effective Sep 22, 2026
Rate checked
More details - Lakehurst Naval Federal Credit UnionCertificateCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$317 over 9 months on $10,000Requirements
Product: Dividends are earned daily and posted quarterly.
Offer: 9 Month Certificate Special; Minimum balance of $1,000.
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More details - L&N Federal Credit UnionCertificatesCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$317 over 9 months on $10,000Requirements
Product: Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.
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More details - Liberty FCUCertificatesCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$317 over 9 months on $10,000intro rateRequirements
Product: Fixed rate certificates. A substantial penalty may be imposed for early withdrawal or failure to comply with certificate requirements. Minimum balance listed is required to purchase certificate and obtain APY. Rates subject to change weekly/without notice and paid until first maturity.
Offer: Featured certificate.
Promotional rate · 4.17% interest rate
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More details - MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APYintro rateRequirements
Product: Membership required. New money only. Member selects term between 9 and 60 months at opening. At maturity, automatically converts to a non-promotional 1-year Share Certificate. Early withdrawal penalties apply. No liquid option.
Offer: New money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly.
Promotional rate · 4.16% interest rate · Effective Sep 15, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: Available in-branch. Penalty for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance required during each monthly cycle period to earn interest/APY.
Offer: At maturity, automatically renews for a 1-year term with a 10 calendar days grace period.
4.16% interest rate · Effective Aug 31, 2026
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More details - TelComm CUCertificate of DepositCD · 9 months · $1,000 min
Credit union · Add a location to see nearby branches
4.23%APY$316 over 9 months on $10,000Requirements
Product: Interest compounded and paid monthly. Early withdrawal penalty applies and fees may reduce earnings and principal.
4.15% interest rate
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More details - Central Bank UtahCertificates of DepositCD · 6–11 months · $500 min
Bank · Add a location to see nearby branches
4.22%APYRequirements
Product: A minimum deposit of $500.00 is required to open any Certificate of Deposit. A minimum daily balance of $500 is required to earn interest. Penalty may be imposed for early withdrawal.
Offer: Term is 6 Months to 11 Months. Minimum balance $500+ to earn interest.
4.15% interest rate · Effective Oct 1, 2026
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More details - Fox Communities Credit UnionCertificate SpecialCD · 9 months · $5,000 min
Credit union · Add a location to see nearby branches
4.22%APY$315 over 9 months on $10,000with conditionsRequirements
Product: For individual depositors. Specials may end at any time, without prior notice. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: With active checking account (a Fox Communities Credit Union checking account with a monthly direct deposit or two or more other deposits per month into the same Fox checking). Early withdrawal penalty: 180 Days.
Qualified rate · 4.16% interest rate · Effective Oct 5, 2026
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More details - Western Nebraska BankCertificates Of DepositCD · 9 months · $250 min
Bank · Add a location to see nearby branches
4.22%APY$315 over 9 months on $10,0004.15% interest rate
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More details - 4.21%APY$314 over 9 months on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Simple interest credited monthly. Early withdrawal penalty is 2% of principal. One account per customer.
Promotional rate · 4.21% interest rate · Balance cap $500,000
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More details - Evermore BankWe Got Your Back CDCD · 5–15 months · $10,000 min
Bank · Add a location to see nearby branches
4.20%APYwith conditionsRequirements
Product: No withdrawal penalty.
Offer: Requires a qualifying Evermore Bank checking account to open. No withdrawal penalty.
Qualified rate · 4.12% interest rate
Rate checked
More details - Eastman Credit UnionInvestment CertificatesCD · 6–11 months · $2,500 min · 4.20%–4.25% by balance
Credit union · Add a location to see nearby branches
4.20%APYRequirements
Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.
Offer: Term: 180 to 364 days. Early withdrawal penalty: 90 Days' Dividends.
4.12% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investment Certificates Balance APY $2,500 and upYour amount 4.20% $100,000 and upJumbo tier ($100k Minimum). 4.25% 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
What 9-month CDs pay nationwide
1,352 CDs at 1,182 banks and credit unions · checked Oct 15–22
- Typical
- 3.50%
- Top 10% from
- 4.10%
- Banks, typical
- 3.39%
- Credit unions, typical
- 3.55%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank