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 931–945 results
- Redstone Federal Credit UnionMember's Choice Share CertificateCD · 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: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Compounding option. Dividend rate is 3.55%. Rate change option available after 90 days and every 365 days thereafter.
3.55% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
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More details - Gate City BankRelationship CDCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000with conditionsRequirements
Product: Requires a Gate City Bank checking account.
Offer: Requires a Gate City Bank checking account
Qualified rate · 3.60% interest rate · Effective Oct 22, 2026
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More details - Rogue Credit UnionCertificates $500 or MoreCD · 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 compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.54% interest rate · Effective Oct 22, 2026
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More details - DC Credit UnionRegular Share CertificatesCD · 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: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate checked
More details - Rally Credit UnionCertificates of Deposit (CDs)CD · 36 months · $1,000 min · 3.60%–4.10% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Automatically renews at maturity to a 1-year term at the then-current rate. Early withdrawal penalties apply and withdrawals reduce APY.
3.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 3.60% $100,000 and up 4.10% Rate checked
More details - UFCUFixed-Rate CertificateCD · 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: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
3.54% interest rate · Compounded daily · Effective Sep 3, 2026
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More details - Alliant Credit UnionCertificateCD · 36–47 months · $1,000 min · 3.60%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
3.54% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $75,000Your amount 3.60% $75,000 and upJumbo Share Certificate tier. 3.70% Rate checked
More details - County Schools Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,0003.54% interest rate · Effective Oct 16, 2026
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More details - 1st Advantage BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000intro rateRequirements
Offer: Penalty may be imposed for early withdrawal.
Promotional rate · 3.55% interest rate · Effective Oct 5, 2026
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More details - Polish-American FCUCertificatesCD · 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: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.
Offer: APY as high as with loyalty benefits (rates may increase .2%).
Effective Oct 15, 2026
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More details - Northpointe BankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: CD terms available between 7 days - 60 months. Early withdrawal penalties may be imposed. Fees could reduce earnings. Subject to Northpointe Bank approval.
3.54% interest rate · Effective Oct 15, 2026
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More details - Greater Alliance Federal Credit UnionShare Certificate AccountCD · 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: Membership at credit union requires a savings account with $100 minimum balance to earn interest. $500 minimum deposit required to open. Early withdrawal penalty applies (90 days dividends for term 1 year or less; 180 days dividends for term greater than 1 year). Dividends compounded daily and credited monthly.
3.54% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Columbus Bank & TrustCertificate of Deposit (CD)CD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Minimum deposit may be required. Terms range from 6-60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest rates may change after account is opened.
3.56% interest rate · Effective Oct 7, 2026
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More details - ALABAMA POSTALShare Certificates (CD's)CD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Effective Aug 1, 2026
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More details - SalemVA Credit UnionShare CertificateCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
3.54% interest rate · Effective Oct 15, 2026
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 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