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 1111–1125 of 3,421 results
- Lincoln Federal Savings BankCertificates of Deposit (CD)CD · 60 months · $5,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,877 over 60 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 - Educational Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Withdrawals from certificates may be subject to an early withdrawal penalty. Minimum deposit of $1,000 to open. No monthly or annual service fees.
Offer: Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
3.44% interest rate · Compounded daily · Effective Jul 1, 2026
Rate checked
More details - Keys FCUShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Must live or work in Key West or meet credit union membership eligibility requirements.
3.44% interest rate · Effective Oct 15, 2025
Rate checked
More details - Liberty FCUCertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 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 · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 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 - Envista Federal Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Fixed rates; longer terms earn higher rates. No setup or maintenance fees. Early withdrawals are subject to penalty.
Promotional rate · 3.45% interest rate · Effective Apr 9, 2026
Rate checked
More details - Service 1 Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 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.
Rate checked
More details - Team One Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.45% interest rate
Rate checked
More details - Marathon County Employees Credit UnionTerm Share CertificateCD · 60 months · $500 min · 3.15%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 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 - CFBankCertificates of DepositCD · 60 months · $10,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Terms available ranging from 3 months to 60 months. Penalty will be imposed for early withdrawal.
Offer: New accounts only with $10,000 new money deposit. Penalty will be imposed for early withdrawal.
Promotional rate · Effective Apr 20, 2026
Rate checked
More details - Top Tier Federal Credit UnionTerm CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 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 - NSPIRE FCUCertificates of DepositCD · 60 months · $2,500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000with conditionsRequirements
Product: Early Withdrawal Penalties Apply for all Certificate of Deposits. Dividends are paid monthly using the simple interest method (does not compound).
Qualified rate · 3.50% interest rate · Effective Jul 16, 2026
Rate checked
More details - Texans Credit UnionCertificate AccountCD · 60 months · $500 min · 3.50%–3.70% by balance
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Membership Required. Daily balance method used to calculate interest. Interest compounded and credited monthly. Paid rate disclosed for entire term. Automatically renews with 10 calendar days grace period. If balance on a $100,000 or more Certificate Account falls below minimum balance requirements, automatically renews at applicable APY for same term. Early withdrawal penalties may apply.
3.45% interest rate · Effective Feb 23, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 3.50% $100,000 and up 3.70% Rate checked
More details - Public Safety Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Minimum required deposit is $500. Penalties apply for early withdrawal. Rates vary based on member relationship with the Credit Union and include all available bonuses.
Offer: Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
3.44% interest rate · Effective Jul 10, 2026
Rate checked
More details - KC Unidos Federal Credit UnionShare Certificate of DepositCD · 60 months
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Low minimum deposit; terms from three months to five years; dividends paid quarterly; automatic renewals; may be used as collateral for loans.
3.50% interest rate
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 5-year CDs pay nationwide
3,421 CDs at 3,040 banks and credit unions · checked Oct 22–25
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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
- Popular DirectBank
- Synchrony BankBank