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 106–120 results
- Travis Credit UnionCertificate SpecialsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000intro rateRequirements
Product: Minimum initial deposit $500. Dividends compound monthly. Penalty for early withdrawal. Automatically renews at maturity at the nearest available standard term and dividend rate, not to exceed the term of the Certificate Special.
Offer: 18 months (548 days). Dividends compound monthly. Penalty for early withdrawal.
Promotional rate · 4.22% interest rate · Effective Sep 28, 2026
Rate checked
More details - Rhinebeck BankCertificate of DepositCD · 18 months · $2,000 min
Bank · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000intro rateRequirements
Product: $2,000 minimum deposit to open a Certificate of Deposit (CD) account. A penalty may be imposed for early withdrawal. To obtain APY, all interest and principal must be left on deposit for full term. Fees may reduce earnings. Interest posted monthly and available for withdrawal. The 7-month, 13-month, 18-month and 2-year CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Standard FDIC insurance up to $250,000 per depositor.
Offer: Promotional CD rate.
Promotional rate · 4.22% interest rate · Effective Oct 5, 2026
Rate checked
More details - Blaze Credit UnionPremium CertificateCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.23% interest rate · Effective Sep 28, 2026
Rate checked
More details - Members Plus Credit UnionMembers Plus Certificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000Requirements
Product: Fixed-rate accounts that remain in effect until maturity. Penalty may apply for early withdrawal. Dividends assumed to remain on deposit until maturity.
4.21% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
Offer: Monthly interest compounding. Minimum opening deposit $2,500.
Promotional rate · 4.22% interest rate · Effective Oct 2, 2026
Rate checked
More details - Metro Credit UnionCertificate of DepositCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000intro rateRequirements
Product: Rates shown are for new accounts opened and are subject to change after account opening. Credit Union membership is required (membership account with minimum $5.00). Substantial penalty on funds withdrawn prior to maturity. Fees may reduce earnings.
Promotional rate · 4.21% interest rate · Effective Sep 24, 2026
Rate checked
More details - Commonwealth Credit UnionCertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Fixed dividend rate and APY for the term. Assumes dividends remain on deposit until maturity. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. After account opening, additional deposits are not permitted. $10,000 required for monthly dividend check.
4.22% interest rate · Effective Oct 1, 2026
Rate checked
More details - Federal Employees CUCertificates of Deposit "Regular"CD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000Requirements
Product: Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Offer: Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
4.30% interest rate
Rate checked
More details - State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 18 months · $250 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000Requirements
Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.
Offer: Interest payout is mandatory and must transfer monthly to another SECU deposit account.
4.30% interest rate · Effective Oct 1, 2026
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More details - VacationLand Federal Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$652 over 18 months on $10,000Requirements
Product: Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
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More details - Chief Financial Credit UnionSpecial Share CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.29%APY$650 over 18 months on $10,000intro rateRequirements
Product: Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply. Dividends paid monthly. Only new funds eligible for promotional rate.
Offer: Early withdrawal penalty may apply. Only new funds eligible for promotional rate.
Promotional rate · 4.21% interest rate · Effective Oct 1, 2026
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More details - Homeland Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.28%APY$649 over 18 months on $10,000Effective Aug 5, 2026
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More details - Kirkwood BankCertificates of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
4.27%APY$647 over 18 months on $10,000Requirements
Product: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
Offer: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
4.25% interest rate · Effective Oct 7, 2026
Rate checked
More details - Library of Congress Federal Credit UnionShare CertificateCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
4.27%APYRequirements
Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.
Offer: Compounded quarterly
4.20% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APYintro rateRequirements
Product: Membership required. New money only. Member selects term between 9 and 60 months at opening. At maturity, automatically converts to a non-promotional 1-year Share Certificate. Early withdrawal penalties apply. No liquid option.
Offer: New money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly.
Promotional rate · 4.16% 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 18-month CDs pay nationwide
3,156 CDs at 2,800 banks and credit unions · checked Oct 16–23
- Typical
- 3.24%
- Top 10% from
- 4.08%
- Banks, typical
- 2.90%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank