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 1021–1035 results
- UMB BankTime Deposit Account Special OffersCD · 15 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$534 over 15 months on $10,000intro rateRequirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - WEA Credit UnionShare Certificate SpecialCD · 15 months
Credit union · Add a location to see nearby branches
4.25%APY$534 over 15 months on $10,000intro ratePromotional rate
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More details - Campus Credit Union15-Month Special CertificateCD · 15 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$534 over 15 months on $10,000intro rateRequirements
Product: Limited-time offer. Membership required. Penalties may apply for early withdrawal. Fees may reduce earnings. Dividends paid quarterly. Consumer certificates renew to a 12-month certificate at maturity. Funds in excess of $250,000 may be discounted and/or require special approval. Deposits over $1,000,000 require approval.
Offer: 15 Month CD Special. $500 minimum deposit. Dividends paid quarterly. Renews to a 12-month certificate at maturity. Funds in excess of $250,000 may be discounted and/or require special approval. Deposits over $1,000,000 require approval.
Promotional rate · 4.18% interest rate · Effective Sep 18, 2026
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More details - Southbridge Credit UnionTerm CertificatesCD · 15 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$534 over 15 months on $10,000Requirements
Product: Membership established by prime share savings account with $5.00 minimum balance. Dividends compounded daily and posted monthly. Account automatically renews at maturity with a 10 calendar day grace period. Penalty for early withdrawal may be imposed. Fees may reduce earnings. All rates subject to change without notice.
4.16% interest rate · Compounded daily
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More details - America's First Network Credit UnionShare CertificatesCD · 15 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$534 over 15 months on $10,000intro rateRequirements
Offer: Limited time certificate special
Promotional rate · 4.18% interest rate · Effective Oct 1, 2026
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More details - Pioneer Valley Credit UnionShare CertificateCD · 16 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$571 over 16 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawals on Term Share accounts. Dividends are compounded daily and credited monthly. Rate based on balance until maturity date.
Compounded daily
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More details - Citizens Federal Savings & Loan AssociationCertificate of Deposit (CD)CD · 16 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$571 over 16 months on $10,0004.16% interest rate · Effective Oct 9, 2026
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More details - Sawyer Savings BankCertificates of DepositCD · 16 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$571 over 16 months on $10,000Requirements
Product: Penalties may be imposed for withdrawals before maturity. Monthly interest can be accrued in the account, transferred to a Sawyer Savings Bank account, or mailed by check.
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More details - Numerica Credit UnionCertificatesCD · 17 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$607 over 17 months on $10,000Requirements
Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
Offer: Requires a Numerica Checking account. Limited-time offer ending October 31, 2026.
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More details - Magnifi FinancialCertificatesCD · 17 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$607 over 17 months on $10,000Requirements
Product: Rates subject to change without notice. Dividends compound monthly. Minimum opening deposit $500. Automatically renewable. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends. Penalty waived for withdrawals of up to 10% of opening balance one time during certificate term.
Offer: Limited Time Offer. Pick Your Term Certificate.
Effective Sep 17, 2026
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More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
Offer: All balance tiers.
Compounded daily
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More details - Eagle Community Credit Union18-Month Promo CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: Promotional 18-month Certificate. Upon maturity, automatically renews into a standard non-promotional 24-month Certificate. Early withdrawal penalties may apply.
Promotional rate · 4.17% interest rate · Effective Oct 23, 2026
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More details - General Electric Credit UnionCertificatesCD · 18 months · $0 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
4.17% interest rate · Effective Oct 6, 2026
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More details - Crescent BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Offer: Limited time offer. Interest compounds quarterly. Subject to early withdrawal penalty.
Promotional rate · Effective Oct 22, 2026
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More details - Arizona Central Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Membership with credit union required by opening a Share Savings account with a minimum balance of $5. Dividends compounded and paid monthly. Early withdrawal penalties may apply.
Offer: Promotional Certificate. No new money required. Renews into a standard 12-month certificate at maturity. Early withdrawal penalty equal to 90-days of dividends.
4.17% interest rate · Effective Sep 15, 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 CDs pay nationwide
37,731 CDs at 4,647 banks and credit unions · checked Oct 22–24
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank