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
- Ascent Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.
Offer: Interest compounded and paid quarterly.
Effective Oct 15, 2026
Rate checked
More details - Logan Medical Federal Credit UnionShare CertificatesCD · 48 months
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,0004.27% interest rate · Effective Oct 10, 2026
Rate checked
More details - Tower Federal Credit UnionBump-Up Share CertificatesCD · 48 months · $5,000 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Allows you to bump up to a higher dividend rate once during the term if rates rise. Early withdrawal penalty applies.
Offer: Allows you to change the dividend rate once during the term if rates rise. Early withdrawal penalty applies.
4.26% interest rate · Effective Oct 9, 2026
Rate checked
More details - Signal FinancialShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
4.26% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - Home Bank of CaliforniaCertificates of DepositCD · 48–59 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APYRequirements
Product: No service charges. Interest compounded daily and paid monthly. Substantial penalty for early withdrawal. Express Personal Banking online account opening available for select CDs.
Offer: Qualifies for opening a Companion Savings Account.
4.25% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - KS StateBankChoose your Term CDCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Interest will compound quarterly and will be credited to the account quarterly. The daily balance method is used to calculate interest. Automatically renewable with a 10 calendar day grace period after expiration to add or change the term with no penalty. Substantial penalty may be imposed for early withdrawals. 6 month, 1, 2, 3, 4, 5 and 7 year CDs can be opened online. Available as collateral for a loan.
4.28% interest rate · Effective Oct 5, 2026
Rate checked
More details - Gunnison Savings & LoanCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,0004.25% interest rate
Rate checked
More details - HFS Federal Credit UnionShare CertificatesCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
4.33%APY$1,848 over 48 months on $10,000Requirements
Product: Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii (par value of one share is $5.00 with a $1.00 membership fee; $50.00 opening balance required to open a Savings Account). Share Certificates may be subject to early withdrawal penalty. Additional deposits not allowed during term.
Offer: Suffix S48. Fixed rate. Dividends compounded and credited monthly. Account automatically renews.
Effective Oct 21, 2026
Rate checked
More details - Union Federal Savings and LoanCertificate of DepositCD · 48 months · $200 min
Bank · Add a location to see nearby branches
4.33%APY$1,848 over 48 months on $10,000Requirements
Product: Early withdrawal penalty applies. Minimum balance $200 required for standard terms. Tiered balance threshold is $20,000.
Offer: Variable rate.
4.26% interest rate · Effective Sep 16, 2026
Rate checked
More details - Town of Cheektowaga Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.32%APY$1,843 over 48 months on $10,000Requirements
Product: Dividends are calculated based upon the member's average quarterly balance and are disbursed and compounded on the last day of the quarter.
Offer: Penalty for early withdrawal is 180 days of accrued interest.
4.25% interest rate
Rate checked
More details - Priority Plus Federal Credit UnionShare Certificates of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.32%APY$1,843 over 48 months on $10,000Requirements
Product: Early withdrawals are subject to fees. Accounts are federally insured by NCUA up to $250,000.
4.25% interest rate · Effective Oct 15, 2025
Rate checked
More details - Federated Employees Credit UnionTerm Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.31%APY$1,839 over 48 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Nebraska BankCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: No setup or maintenance fees. CDs renew automatically upon maturity. Early withdrawals subject to penalty (3 months interest penalty on terms 12 months and under, 6 months interest penalty on terms more than 12 months).
4.23% interest rate · Effective Oct 20, 2026
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APYRequirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.22% interest rate · Effective Oct 21, 2026
Rate checked
More details - AERO FinancialShare Certificate (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000intro rateRequirements
Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
Offer: Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.
Promotional rate · 4.22% interest rate · Effective Oct 15, 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
3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 3.98%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.20%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank