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 1171–1185 of 2,149 results
- Bank of ZacharyCertificates of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: No monthly service charge. Automatic renewals. Fixed interest rate for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
1.74% interest rate · Effective Oct 16, 2026
Rate checked
More details - OnPoint Community Credit UnionCertificates of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: Membership required and subject to approval. Limit one Member Savings account per person. Early withdrawal penalty applies. Subsequent deposits permitted for 3, 6, 12, 18, or 24 month terms ($100 minimum). Minors under 18 have $100 minimum balance requirement.
Offer: With OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date). Subsequent deposits of $100 or more allowed.
1.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Spirit of Alaska Credit UnionSavings CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: Fixed rates and guaranteed returns. Dividends paid at monthly intervals and can be withdrawn before maturity without penalty (no dividends paid on amount withdrawn). Penalties apply for early withdrawal of principal. Early withdrawal penalties may apply.
1.73% interest rate · Effective Mar 20, 2024
Rate checked
More details - BRAZOS VALLEY SCHOOLS CREDIT UNIONCertificate AccountCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: Compounded and credited quarterly. Average Daily Balance Method used to calculate interest. Dividends accrue on business day funds are deposited. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: up to 90 days dividends. Additional deposits at maturity.
1.74% interest rate · Effective Sep 26, 2026
Rate checked
More details - First City Credit UnionTerm Certificate AccountCD · 3 months · $1,000 min · 1.65%–1.85% by balance
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: Membership required. Tiered rates based on minimum balance. Penalties will be imposed for early withdrawals.
1.64% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Term Certificate Account Balance APY $1,000 – $9,999 1.65% $10,000 – $49,999Your amount 1.75% $50,000 and up 1.85% Rate checked
More details - Arcadia Credit UnionShare Certificates (CDs)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: Early withdrawal from a Share Certificate is subject to a 90-day dividend penalty (30-day dividend penalty for 3-month Share Certificate). No setup or maintenance fees.
Offer: Dividends compounded at maturity, added at maturity. Early withdrawal subject to a 30-day dividend penalty.
1.74% interest rate · Effective Sep 29, 2026
Rate checked
More details - Indiana Heartland FCUShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: CDs subject to penalty for early withdrawal. Minimum deposit of $500.
Effective Sep 30, 2026
Rate checked
More details - Garden Savings FCUShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: $500 minimum deposit required unless otherwise noted. For terms less than one year, interest is paid upon maturity (simple interest); for terms one year or greater, interest is paid monthly (compound interest). Early withdrawal penalties: 90 days dividends lost for terms under one year; 180 days dividends lost for terms of one year or longer. Promotional rates can be discontinued without notice. Fees could reduce earnings.
Offer: Interest is paid upon maturity (simple interest). Early withdrawal penalty: loss of 90 days dividends earned.
1.75% interest rate
Rate checked
More details - Heritage Credit UnionCertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Offer: 91 Day term. Early withdrawal penalties may be imposed.
1.74% interest rate · Effective May 18, 2026
Rate checked
More details - Haynes Community FCUShare CertificateCD · 3 months
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Rates are subject to change at any time and are not guaranteed.
1.73% interest rate · Effective Feb 1, 2026
Rate checked
More details - C-B-W Schools Federal Credit UnionShare CertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
1.75%APY$43 over 3 months on $10,000Requirements
Product: Fixed interest rate for the length of the maturity term. Early withdrawal penalties apply (30 days of interest on terms under 2 years; 90 days of interest on 2-year and 3-year terms).
Offer: 90 Day Certificate. 30-day interest early withdrawal penalty.
1.75% interest rate · Effective Sep 1, 2026
Rate checked
More details - MTCUCertificates of DepositCD · 3 months · $1,000 min · 1.71%–1.82% by balance
Credit union · Add a location to see nearby branches
1.71%APY$42 over 3 months on $10,000Requirements
Product: CD rates are subject to change daily. Early withdrawal penalties may reduce earnings. Dividends credited monthly.
Offer: Dividends credited monthly. Early withdrawal penalties may reduce earnings.
1.70% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 1.71% $50,000 – $98,999 1.76% $99,000 and up 1.82% Rate checked
More details - Los Angeles Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.71%APY$42 over 3 months on $10,000with conditionsRequirements
Product: Flexible terms from 3 to 60 months. Minimum opening deposit is $1,000 for Regular, $100,000 for Jumbo, and $100 for Starter (age 24 or under). Senior / Senior Jumbo certificates available for members age 60+. APY is based on Relationship Rewards status or Jumbo/Senior qualification. After opening, additional deposits allowed if total deposits do not exceed opening deposit; Starter certificates allow additional deposits of $50+ until balance reaches $10,000.
Offer: Gold Relationship or Jumbo Certificate ($100,000 minimum opening deposit) APY.
Qualified rate · Effective Oct 5, 2026
Rate checked
More details - The First National Bank of NokomisCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.71%APY$42 over 3 months on $10,000Requirements
Product: Automatically renewable. Fixed interest rates for original term. Interest rate changes can occur at maturity. Assumes interest added to deposit upon payment, withdrawal of interest will reduce future earnings and stated yield. Early withdrawals result in an early withdrawal penalty.
Offer: 91 Day CD. APY calculated based on a term of 365 days.
1.70% interest rate · Effective Jul 15, 2026
Rate checked
More details - Torrance Community Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.71%APY$42 over 3 months on $10,0001.70% interest rate · Effective Apr 1, 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 3-month CDs pay nationwide
2,149 CDs at 1,940 banks and credit unions · checked Oct 22–25
- Typical
- 2.01%
- Top 10% from
- 3.75%
- Banks, typical
- 1.90%
- Credit unions, typical
- 2.17%
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