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 946–960 of 3,254 results
- Farmers BankCertificates of DepositCD · 48–59 months · $500 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: Interest compounded daily and credited at maturity. Minimum balance required each day to obtain disclosed APY. Early withdrawal penalty may be imposed. Automatically renews with a 10-day grace period. No additional deposits or withdrawals allowed until maturity.
Offer: Early withdrawal penalty may be imposed.
3.44% interest rate · Compounded daily · Effective Sep 11, 2026
Rate checked
More details - Five Star Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: $500 minimum opening deposit. Variable rates subject to change. Fees, if incurred, may reduce earnings.
3.45% interest rate
Rate checked
More details - MembersFirst Credit UnionCertificate of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Minimum opening balance of $1,000 is required to earn dividends on all Certificates of Deposit ($500 for CU Succeed account holders). Early withdrawal penalties apply.
Offer: Term 48 Months. CU Succeed account holders can open with a minimum balance of $500.
3.45% interest rate · Effective Jan 12, 2026
Rate checked
More details - Lincoln Federal Savings BankCertificates of Deposit (CD)CD · 48 months · $5,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Consumer accounts only. Penalty for early withdrawal. Rates are subject to change without notice.
Offer: Special CD rate. Minimum to open waived for existing checking and savings account customers.
3.50% interest rate · Effective Jun 22, 2026
Rate checked
More details - Tru-Fi Credit UnionTru Certificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: CD terms 36, 48 & 60 months offer a one-time setup. Automatic renewal or transfer to share at maturity. Dividend rates are compounded and credited monthly. Closing the certificate or withdrawing funds prior to maturity will result in a loss of earnings and/or penalties.
3.45% interest rate · Effective Jul 1, 2026
Rate checked
More details - San Antonio Citizens Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Dividends are compounded daily and credited monthly to the certificate. Penalties for early withdrawal apply.
3.44% interest rate · Compounded daily
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More details - Liberty FCUCertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 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.
Promotional rate · 3.45% interest rate
Rate checked
More details - Greater Experience Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Penalty applied for early withdrawal of funds. Rates are subject to change without notice. Contact GECU for complete account disclosures. Fees or other conditions could reduce earnings on your account.
Offer: Compounded quarterly. Early withdrawal penalty applies.
3.46% interest rate · Compounded quarterly · Effective Feb 28, 2026
Rate checked
More details - Service 1 Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: No setup or maintenance fees. $500 minimum deposit to open. Early withdrawal penalties: 12 months or less – 90 days of dividends; 18, 24 & 30 mo. – 180 days of dividends; 36, 48 & 60 mo. – 365 days of dividends.
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More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Standard rate.
Qualified rate · 3.45% interest rate · Effective Sep 18, 2026
Rate checked
More details - Southern Lakes Credit UnionTerm Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,0003.47% interest rate · Effective Dec 31, 2025
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More details - Marathon County Employees Credit UnionTerm Share CertificateCD · 48 months · $500 min · 3.15%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Early withdrawal from certificates is subject to a 90-day dividend penalty. APY assumes principal and earned dividends remain on deposit until maturity.
3.15% interest rate · Effective Feb 25, 2025
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 and up 3.15% $10,000 and upYour amount 3.50% Rate checked
More details - St. Paul Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Must open a share savings account and maintain the minimum balance of $5.00. Early withdrawal penalties apply (90 days dividends for 6-month term, 180 days dividends for 12, 15, and 18-month terms, 365 days dividends for 24, 36, 48, and 60-month terms).
Offer: Penalty equals 365 days dividends on the amount withdrawn.
3.45% interest rate · Effective May 19, 2026
Rate checked
More details - CrossRoads Community Federal Credit UnionTerm Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
3.45% interest rate · Effective Feb 27, 2026
Rate checked
More details - Top Tier Federal Credit UnionTerm CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Minimum purchase amount of $500 with no maximum purchase amount. Terms range from 3 months to 5 years. Early withdrawal penalties may apply.
Offer: Early withdrawal penalty may be imposed.
Effective Jul 1, 2026
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 4-year CDs pay nationwide
3,254 CDs at 2,919 banks and credit unions · checked Oct 22–25
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.20%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank