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 91–105 results
- Ironworkers USA Credit UnionLong-Term CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.75%APY$973 over 24 months on $10,000Requirements
Product: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return. You can start with as little as $500 and set your own term up to 60 months.
4.67% interest rate · Effective Oct 13, 2026
Rate checked
More details - Barclays Bank DelawareBarclays Online CDsCD · 24 months · $0 min
Bank · Add a location to see nearby branches
4.75%APY$973 over 24 months on $10,000Requirements
Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.
4.64% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.75%APY$973 over 24 months on $10,000with conditions
Requirements
Product: Requires opening and funding an existing Walden deposit account (such as Spend Local). Auto-renews at maturity with a 10-day grace period. Early withdrawal penalties apply and may reduce earnings.
Offer: Interest is compounded daily and posted monthly. Early withdrawal penalty applies.
Qualified rate · Compounded daily
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More details - Genesee Regional BankCertificates of Deposit (CDs)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.75%APY$973 over 24 months on $10,000with conditionsRequirements
Product: Deposits are FDIC insured up to $250,000 per depositor. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: 24 Month CD Special. Minimum of 50% New Money Required (funds not currently on deposit with GRB). Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer.
Qualified rate · Balance cap $999,999.99 · Effective Sep 25, 2026
Rate checked
More details - Altra Federal Credit UnionAltra Thrive CertificatesCD · 30 months · $1,000 min
Credit union · Add a location to see nearby branches
4.75%APY$1,230 over 30 months on $10,000intro rateRequirements
Product: Dividends paid quarterly. 10-month certificate renews to 12-month at maturity; 30-month certificate renews to 24-month at maturity. Early withdrawal penalty applies.
Offer: 30-month certificate special automatically renews to a 24-month certificate upon maturity. Early withdrawal penalty is 180 days of dividends.
Promotional rate · 4.67% interest rate · Effective Oct 1, 2026
Rate checked
More details - Arise FinancialShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.75%APY$1,494 over 36 months on $10,000Requirements
Product: Personal accounts only. Minimum deposit is $500. Dividend penalties may apply for early withdrawals. Compounding is monthly. Fees could reduce earnings.
Offer: 3 Year certificate. Monthly compounding. Minimum to earn APY is $500.
4.65% interest rate · Effective Oct 1, 2026
Rate checked
More details - Sallie MaeSallie Mae Certificates of DepositCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.
4.64% interest rate · Effective Oct 22, 2026
Rate checked
More details - 7 17 Credit UnionCertificateCD · 60 months · $500 min · 4.75%–5.00% by balance
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Penalty for early withdrawal.
4.67% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 4.75% $250,000 and upSpecial Jumbo Certificate Bonus (+0.25% APY). 5.00% Rate checked
More details - United Equity Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000intro rateRequirements
Product: Guaranteed returns on deposit; early withdrawals subject to penalty; no setup or maintenance fees. Rates effective as of 2026-03-23.
Offer: Limited Time Special! New Money Only.
Promotional rate · 4.65% interest rate · Effective Mar 23, 2026
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More details - Stanford Federal Credit UnionCertificatesCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Premium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus).
Qualified rate · 4.65% interest rate · Effective Sep 18, 2026
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More details - Nicolet National BankCertificate of DepositCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - Energy Credit UnionCertificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.65% interest rate · Effective Oct 12, 2026
Rate checked
More details - Gerber Federal Credit UnionShare CertificatesCD · 84 months · $1,000 min
Credit union · Add a location to see nearby branches
4.75%APY$3,838 over 84 months on $10,0004.65% interest rate · Effective Oct 1, 2026
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More details - First Northern Bank and Trust2 Year (24 Month) Adjustable CDCD · 24 months · $5,000 min
Bank · Add a location to see nearby branches
4.73%APY$968 over 24 months on $10,000Requirements
Product: Open account in person. The interest rate on your account is based on the prior month’s average 2 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. Interest rate may change every month. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.
Offer: Open account in person; rate based on prior month's average 2 Year Treasury Note Rate, adjustable monthly
4.65% interest rate · Effective Oct 2, 2026
Rate checked
More details - Advantage Plus Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.73%APY$1,487 over 36 months on $10,000Requirements
Product: Certificates based on a $500 minimum balance. A penalty may be imposed for early withdrawal which could affect the annual percentage yield.
4.65% interest rate
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 CDs pay nationwide
37,729 CDs at 4,654 banks and credit unions · checked Oct 15–22
- Typical
- 3.19%
- Top 10% from
- 4.07%
- 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