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
- MECE Credit UnionCertificates (CDs)CD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
3.80% interest rate
Rate checked
More details - Leader BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,0003.80% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 3–5 months
Credit union · Add a location to see nearby branches
3.85%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 3 months (90-179 days). Standard rate.
Qualified rate · 3.78% interest rate · Effective Oct 15, 2026
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More details - Auburn Savings Bank, FSBCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Annual Percentage Yield assumes interest remains on deposit until maturity.
Offer: CD Special.
3.78% interest rate · Effective Oct 8, 2026
Rate checked
More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
Offer: Loyalty Program Silver Tier (Base + 0.30% IR)
Effective Oct 9, 2026
Rate checked
More details - Cornerstone Capital BankConsumer 3 Month CDCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
3.78% interest rate · Effective Oct 6, 2026
Rate checked
More details - F&M Bank and Trust CompanyCertificates of Deposit (CDs)CD · 3 months · $5,000 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: Interest on CDs accrues daily and is compounded quarterly. A penalty may be imposed for early withdrawal.
Offer: In-House Special. 91 day term. The minimum to open is the minimum balance to obtain the APY.
3.80% interest rate · Compounded quarterly · Effective Sep 24, 2026
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More details - Bank of WashingtonCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: APY is calculated using the daily balance method, assuming interest remains in the account until maturity. A penalty may be imposed for early withdrawal.
Offer: Interest paid at term or maturity of CD.
3.80% interest rate
Rate checked
More details - UMB BankTime Deposit Account Special OffersCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000intro rateRequirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 3.80% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - CUSA Federal Credit UnionShare Certificates (CD)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: Terms from 3 to 24 months. Minimum deposit of $1,000. Certificates allow members to earn higher dividends on larger account balances deposited for longer time periods.
3.80% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$95 over 3 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 3 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.78% interest rate · Effective Sep 25, 2026
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More details - Citizens Bank & Trust CompanyCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000Requirements
Product: Accounts cannot be opened online or over the phone; must visit a branch location to open an account. Early withdrawal penalties and fees may reduce earnings.
3.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - First Westroads BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,0003.80% interest rate
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More details - New Bedford Credit UnionCertificate of DepositCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
3.85%APY$95 over 3 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Dividend rate may change after the account is opened. All rates subject to change. Fees may reduce earnings.
Offer: SPECIAL
Promotional rate · 3.78% interest rate · Effective Jun 17, 2026
Rate checked
More details - State Bank of India (California)Certificate of Deposit (CD)CD · 3–6 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APYRequirements
Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.
Offer: Term is more than 3 months to 6 months (also listed as Up to 6 Months on personal CD page).
3.80% interest rate · Effective Feb 26, 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 3-month CDs pay nationwide
2,135 CDs at 1,936 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.70%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.17%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank