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 961–975 of 4,559 results
- Reliant Credit UnionInvestor CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.
3.70% interest rate · Effective Sep 22, 2026
Rate checked
More details - Discovery Federal Credit UnionCertificatesCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Fixed rate for the term of Certificate. Minimum balance requirement of $100. Assumes dividends remain on deposit and subject to change.
3.69% interest rate · Effective Oct 1, 2026
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More details - Meridian BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Interest compounded daily, credited monthly. CDs less than 24 months penalty: 6 months interest; CDs 24 months or greater penalty: 12 months interest. Automatically renews at maturity.
3.68% interest rate · Compounded daily · Effective Oct 6, 2026
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More details - Sharon BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: CDs automatically renew unless requested otherwise. Early withdrawals subject to penalty. No setup or maintenance fees. Promotional accounts may require a higher opening deposit.
3.63% interest rate
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More details - S&T BankGrowth/Income CD Time DepositsCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.
Balance cap $500,000 · Effective Oct 12, 2026
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More details - Civista BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: CD minimum to open and earn APY in branch is $500. Minimum to open and earn APY online is $1,000, except featured 8-month term which is $10,000 online.
Offer: Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online).
Promotional rate · 3.68% interest rate · Effective Oct 9, 2026
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More details - OC Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.
Offer: Basic Membership.
3.69% interest rate · Effective Oct 1, 2026
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More details - Firefighters Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Membership required ($5 minimum balance in regular savings account). $500 minimum balance required to open and maintain. Certificate rates remain fixed for term of certificate. Penalty imposed for early withdrawal. Rates subject to change at any time. Certificate funds insured by American Share Insurance (ASI) up to $250,000 per account.
Offer: Fixed rate. Penalty for early withdrawal. $500 minimum balance required.
Effective Oct 16, 2026
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More details - Treadwell Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.
Effective Oct 16, 2026
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More details - Fidelity FederalCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: No monthly fees. Rate guaranteed for the term of the account. Automatically renewable. Fees may reduce earnings. Rates are subject to change without notice.
Offer: 182 Day Fixed. APY is calculated based on a one-year time frame.
3.68% interest rate
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More details - First Community Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
Offer: Compounding and crediting at maturity. Early withdrawal penalties apply.
Effective Oct 9, 2026
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More details - TBA Credit UnionCertificate of Deposit (CD)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
Offer: With Direct Deposit (0.20% rate increase)
3.70% interest rate · Effective Apr 22, 2026
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More details - Centric Federal Credit UnionRegular CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Offer: Penalty for early withdrawal.
3.69% interest rate · Effective Sep 28, 2026
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More details - St. Mary's Credit UnionRelationship CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000with conditionsRequirements
Product: Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY.
Qualified rate · 3.63% interest rate
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More details - Excel Federal Credit UnionShare Certificates/CDsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Membership open to individuals who live, work, worship, or attend school in Forsyth, Fulton, Gwinnett, and Hall counties, and their immediate family members. Fixed rates compounded quarterly.
Offer: Payroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield.
Qualified rate · 3.70% interest rate · Compounded quarterly · Effective Oct 16, 2026
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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 6-month CDs pay nationwide
4,559 CDs at 3,998 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
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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