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 886–900 results
- 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 - America's Christian Credit Union10-Month New Money CertificateCD · 10 months · $5,000 min
Credit union · Add a location to see nearby branches
4.25%APY$353 over 10 months on $10,000intro rateRequirements
Product: Available to new and existing consumer members. Account must be funded with new funds or funds deposited less than 30 days prior to opening. No additional deposits during term. Compounded and credited monthly. Penalty for early withdrawal. At maturity, renews as traditional 9-Month Certificate. $2 membership fee for new members.
Offer: High, fixed rate. New money only (funds deposited less than 30 days prior). Compounded and credited monthly. Valid 10/23/2026; offer valid beginning 08/01/2026.
Promotional rate · 4.17% interest rate · Balance cap $1,000,000 · Effective Oct 23, 2026
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More details - Seamen's BankCertificates of DepositCD · 10 months · $2,500 min
Bank · Add a location to see nearby branches
4.25%APY$353 over 10 months on $10,000Requirements
Product: Term Accounts Subject to Substantial Penalties for Early Withdrawal. Maintenance and / or Activity Fees could Reduce Earnings. Rates may Change after Account Opening. Rates are Subject to Change. Contact your Local Branch Office for Details.
4.16% interest rate · Effective Oct 22, 2026
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More details - Northern Credit UnionShare CertificatesCD · 10 months · $10,000 min
Credit union · Add a location to see nearby branches
4.25%APY$353 over 10 months on $10,000with conditionsRequirements
Product: Federally insured by NCUA up to $250,000. $500 minimum balance required to open a certificate of deposit ($10,000 minimum for 3-Month, 6-Month, and 10-Month certificates). Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account.
Offer: Best tier. Requires all requirements of Better tier, with combined balances >$25,000.
Qualified rate · Effective Oct 13, 2026
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More details - Ridgewood Savings Bank10-Month Online CD PromoCD · 10 months · $100 min
Bank · Add a location to see nearby branches
4.25%APY$353 over 10 months on $10,000intro rateRequirements
Product: Limited-time offer. New money only (none of the funds used to open may come from funds on deposit at Ridgewood Savings Bank). Must be opened online. One 10-month online CD per customer. Maximum deposit $500,000. Early withdrawal penalties apply.
Offer: New money only; maximum deposit $500,000; one per customer; must be opened online.
Promotional rate · 4.11% interest rate · Balance cap $500,000 · Effective Oct 5, 2026
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More details - Lufthansa Employee Federal Credit UnionCertificate AccountCD · 10 months · $5,000 min
Credit union · Add a location to see nearby branches
4.25%APY$353 over 10 months on $10,000intro rateRequirements
Offer: New Money Only
Promotional rate · 4.17% interest rate · Effective Oct 1, 2026
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More details - TruService Community FCUCD SpecialCD · 10 months · $5,000 min
Credit union · Add a location to see nearby branches
4.25%APY$353 over 10 months on $10,000intro rateRequirements
Product: Start with at least $5,000 of new money not currently on deposit at TruService. Penalty for early withdrawal. Limited time offer.
Offer: Must be at least $5,000 in new money not currently on deposit at TruService. Limited time offer. Penalty for early withdrawal.
Promotional rate
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More details - Lumbee Guaranty Bank10-Month High-Yield CDCD · 10 months · $2,500 min
Bank · Add a location to see nearby branches
4.25%APY$353 over 10 months on $10,000with conditionsRequirements
Product: Requires minimum deposit and balance of $2,500 and checking account with Lumbee Guaranty Bank. For new & existing Cumberland County customers. At maturity, the CD automatically renews to the same term and current non-special rate in effect at the time of renewal. Penalty may be imposed for early withdrawal.
Offer: Requires minimum deposit and balance of $2,500 and checking account with Lumbee Guaranty Bank. At maturity, the CD automatically renews to the same term and current non-special rate in effect at the time of renewal. Penalty may be imposed for early withdrawal.
Qualified rate · 4.16% interest rate · Effective Sep 30, 2026
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More details - Monterra Credit UnionShare CertificateCD · 11 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$389 over 11 months on $10,000with conditionsRequirements
Product: Membership eligibility required: live, work, worship, or attend school in San Mateo, Alameda, Contra Costa, Santa Clara, or San Francisco County, or partner organization/family member. $1,000 minimum opening balance. Early withdrawal penalty applies. Dividends compounded and credited monthly. Rate fixed for stated term.
Offer: Certificate Special. Requires Active Checking (checking account with at least 1 direct deposit or ACH deposit during monthly statement cycle, held by primary account owner, open and in good standing). Fixed for stated term. Dividends compounded and credited monthly. Early withdrawal penalty applies. Rate effective on new or rollover certificates.
Qualified rate · 4.17% interest rate · Effective Oct 23, 2026
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More details - Compass Community Credit UnionTerm Share CertificatesCD · 11 months · $7,500 min
Credit union · Add a location to see nearby branches
4.25%APY$389 over 11 months on $10,000Requirements
Product: Fixed rates are guaranteed for the length of the term. Early withdrawal penalties apply (90 days for terms 12 months or less; 180 days for terms greater than 12 months).
Offer: Existing Compass CCU funds ineligible. Minimum $7,500 required. At maturity, automatically renews at the current 6-month rate unless notified in writing prior to maturity.
4.18% interest rate · Effective Sep 1, 2026
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More details - Camino Federal Credit UnionCertificateCD · 11 months · $2,500 min
Credit union · Add a location to see nearby branches
4.25%APY$389 over 11 months on $10,000intro rateRequirements
Offer: Minimum opening balance $2,500. Penalty on earnings for early withdrawal.
Promotional rate · 4.17% interest rate · Effective Oct 23, 2026
Rate checked
More details - Winter Hill BankCertificates of DepositCD · 11 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$389 over 11 months on $10,000Requirements
Product: Rates are guaranteed for the term of the CD. Early withdrawal penalties may be imposed. Renews automatically.
Offer: CD Special. At maturity automatically renews to a 12 month term at the then current rate stated unless instructed otherwise.
4.17% interest rate · Effective Oct 22, 2026
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More details - Torrington Savings BankSpecial CDsCD · 11 months · $10,000 min
Bank · Add a location to see nearby branches
4.25%APY$389 over 11 months on $10,000Requirements
Product: Interest is compounded daily or from day of deposit to day of withdrawal and credited monthly. Substantial interest penalty for early withdrawal. Premium CDs must be opened with new money (money not currently on deposit with Torrington Savings Bank).
Offer: Premium CD; must be opened with new money (money not currently on deposit with Torrington Savings Bank). Early withdrawal penalty is 3 months simple interest.
4.16% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - State BankCertificates of DepositCD · 11 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$389 over 11 months on $10,000Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: No penalty for early withdrawal. Minimum of $1,000 to open and obtain APY.
4.18% interest rate
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More details - Heartland Credit Union11-Month Promo CertificateCD · 11 months · $500 min · 4.25%–4.30% by balance
Credit union · Add a location to see nearby branches
4.25%APY$389 over 11 months on $10,000Requirements
Product: Membership required. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit ($100 for youth accounts). Rates subject to change.
Offer: Opening deposit $500 minimum ($100 for youth accounts).
Effective Sep 24, 2026
Rate by balance
Rate by balance for 11-Month Promo Certificate Balance APY $500 – $249,999Your amount 4.25% $250,000 and up 4.30% 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 CDs pay nationwide
37,731 CDs at 4,647 banks and credit unions · checked Oct 22–24
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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- Synchrony BankBank