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 916–930 results
- UTFCUSavings CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Offer: Early withdrawal penalty: 90 days dividends
3.56% interest rate · Effective Sep 1, 2026
Rate checked
More details - Romney Federal Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: Share Certificates of Deposit are compounded and posted quarterly. Early withdrawal penalties may be assessed. APY assumes interest will remain on deposit.
3.55% interest rate · Effective Sep 14, 2026
Rate checked
More details - H & E Telephone FCUShare Certificate AccountsCD · 36 months
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Offer: APY stated as MATURITY
3.55% interest rate · Effective Oct 1, 2025
Rate checked
More details - First State BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Offer: Penalties apply for early withdrawals.
3.55% interest rate · Effective Sep 10, 2026
Rate checked
More details - City Credit UnionCertificate of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.55% interest rate · Effective Jan 1, 2026
Rate checked
More details - Corrections Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 3–36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Certificates earn dividends at higher rates than share savings accounts and money market accounts, but require funds to be locked in for a predetermined maturity period. Dividends are paid at maturity.
Offer: APY is stated as 'as high as 3.60%'. Terms offered range from 3 months to 36 months with a minimum deposit of $1,000. Dividends paid at maturity.
Effective Nov 8, 2024
Rate checked
More details - 3.60%APY$1,119 over 36 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).
3.54% interest rate · Balance cap $49,999.99
Rate checked
More details - Cy-Fair FCUShare CertificateCD · 36 months · $1,000 min · 3.60%–3.85% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Minimum deposit of $1,000.00 required to open. Dividends post quarterly. Early withdrawal penalties may apply. Relationship pricing bonus rates available up to +0.40% APY for qualifying active checking (+0.10%), direct deposit (+0.10%), open/current installment loan or credit card (+0.10%), and credit union membership of 3+ years (+0.10%).
3.54% interest rate · Effective Aug 7, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $25,000Your amount 3.60% $25,000 – $50,000 3.65% $50,000 – $100,000 3.70% $100,000 – $500,000 3.75% Over $500,000 3.85% Rate checked
More details - Credit Union of TexasRegular CDCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Start saving with a minimum opening deposit of $1,000. Interest compounded daily and paid at maturity. Renews automatically with a 7-day grace period. Penalty for early withdrawal.
3.54% interest rate · Compounded daily · Effective Oct 21, 2026
Rate checked
More details - Texas Trust Credit UnionTerm Share Flex CertificateCD · 36 months · $5,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: One of the following options may be used one time during term: bump up rate when rates increase (requires adding min 10% of original CD balance), add money to existing CD (min $500), or withdraw up to 25% of balance without penalty maintaining minimum balance.
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - CEFCUCertificate AccountsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Minimum to open $1,000. Dividends compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change daily.
3.54% interest rate · Effective Oct 21, 2026
Rate checked
More details - CSE Federal Credit UnionTerm Share CertificateCD · 36 months · $500 min · 3.50%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Certificate rates are locked in for the term selected. Early withdrawal penalty may apply.
Offer: Certificates Less Than $10,000. Early withdrawal penalty is 365 days of dividends.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 and up 3.50% $10,000 and upYour amountCertificates More Than $10,000. 3.60% $100,000 and upCertificates More Than $100,000. 3.70% Rate checked
More details - SharePoint Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Dividends for Share Certificates are calculated on the daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Minimum required to open a Share Certificate is $500. Early withdrawal penalty: one year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over one year will equal 180 days of interest on the amount withdrawn subject to penalty.
3.55% interest rate · Effective Oct 23, 2026
Rate checked
More details - Gulf Winds Credit UnionTerm Share Certificate AccountsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Compounded monthly. Membership eligibility required. Account opening subject to approval. Early withdrawal penalties may apply. Automatic renewal at maturity. 18 and 48-month Term Certificate applications not currently available online.
Offer: Compounded monthly.
3.54% interest rate · Compounded monthly
Rate checked
More details - New Jersey Law & Public Safety Credit UnionCertificate of DepositCD · 36 months · $1,000 min · 3.55%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: $1,000 minimum balance required. Penalty for early withdrawal. Dividends compounded and credited quarterly. Membership requires purchasing and maintaining at least 1 share ($50.00 par value).
3.50% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.55% $10,000 – $25,000Your amount 3.60% $25,000 and up 3.70% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 3-year CDs pay nationwide
4,160 CDs at 3,669 banks and credit unions · checked Oct 22–24
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank