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
- ESB Banking & InsuranceCertificates of DepositCD · 24 months · $1,000 min · 3.70%–3.80% by balance
Bank · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Compounding & Auto Deposit Plans; balance less than $10,000. Convertible at half term without penalty.
3.70% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.70% $10,000 and upYour amount 3.80% Rate checked
More details - First Alliance Credit UnionCertificate of DepositCD · 24 months · $500 min · 3.80%–4.05% by balance
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.
3.74% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $100,000Your amount 3.80% $100,000 – $250,000 3.95% $250,000 and up 4.05% Rate checked
More details - Central Bank of Kansas CityCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Minimum balance necessary to obtain the APY indicated.
Offer: 2 year CD. A penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - Adventure Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Available to anyone who lives, works, worships, or attends school in the State of Michigan; credit union membership requires a $5 share deposit. Early withdrawal penalty on 6-month certificate is 90 days loss of interest; on 12-month term or longer is 180 days loss of interest.
Offer: Early withdrawal penalty is 180 days loss of interest.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Security BankCertificates of DepositCD · 24 months · $2,000 min
Bank · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed APY. Interest compounded quarterly and stays on deposit until maturity. Early withdrawal penalty may apply. Automatically renews 10 days after maturity for the same term at the current interest rate.
Offer: Term: 24 Months. Must maintain a minimum daily balance of $2,000 each day to obtain disclosed APY.
3.75% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - Thrive Credit UnionShare CertificatesCD · 24 months
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.
Offer: Dividends posted monthly.
3.75% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - Middlesex Savings BankCertificate of DepositCD · 24 months · $250 min
Bank · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Broward HealthCare Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Dividends compounded monthly and paid quarterly. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply.
3.74% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - HAPO Community Credit UnionCertificate AccountCD · 24 months · $100 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
Offer: Early withdrawal penalty is 180 days dividends.
3.75% interest rate
Rate checked
More details - Cedar Point Federal Credit UnionLong Term Certificate AccountCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Rates fixed for the entire term. Penalty charged for early withdrawal. Funds cannot be deposited into existing accounts until maturity.
3.75% interest rate · Effective Oct 9, 2026
Rate checked
More details - NorthCountry Federal Credit UnionCertificatesCD · 24 months · $250 min · 3.70%–3.80% by balance
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.
Rate by balance
Rate by balance for Certificates Balance APY $250 and up 3.70% $3,000 and upYour amountSapling Certificate. Variable rate. 3.80% Rate checked
More details - East Texas Professional Credit UnionTerm Share CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: ETPCU membership required. A minimum of $1,000 is required to open and maintain on a daily basis to earn APY. Early withdrawal penalty may be imposed. Term Share Certificate balances $100K and above receive a 0.10% dividend increase.
Offer: 24 Month Term Share Certificate. Compounded & Credited Quarterly. Balances $100K and above receive a 0.10% dividend increase.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - HealthCare Associates Credit UnionCertificatesCD · 24 months · $500 min · 3.80%–4.00% by balance
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: $500 minimum to open an account. Compounded monthly, paid monthly. Penalties apply for early withdrawal. Rates effective as of 10/01/2026.
Offer: At maturity, 2-Year certificates will automatically renew for a term of 24 months at the prevailing rate. Limited Time Offer.
3.74% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 – $24,999Your amount 3.80% $25,000 and up 4.00% Rate checked
More details - Riverfront Federal Credit UnionPreferred CertificatesCD · 24 months · $100 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000with conditionsRequirements
Product: Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Requires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - Penlanco Federal Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Withdrawal penalties impact APY. Members Helping Members - New Money Certificate Special requires new money (funds not currently on deposit with Penlanco FCU; transfers from existing accounts/certificates do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify). Maximum $1 million in total deposits accepted under promotion with limit of $250,000 per household. Fees may reduce earnings.
Offer: Early withdrawal penalties apply. Withdrawal penalties impact APY.
Promotional rate · 3.75% 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 2-year CDs pay nationwide
4,629 CDs at 4,045 banks and credit unions · checked Oct 22–24
- Typical
- 3.05%
- Top 10% from
- 4.06%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank