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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1246–1260 of 3,160 results
- Montana Credit UnionShare CertificatesCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: Requires $25 in Member Savings account. Photo ID required to open. No maintenance fees. Early withdrawal penalties apply (less than 1 year = 91 days' dividends; 1-3 years = 182 days' dividends; >3 years = 365 days' dividends).
Offer: No minimum balance required to earn stated APY. Early withdrawal penalties apply.
3.45% interest rate · Effective Sep 9, 2026
Rate checked
More details - Old West FCUShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Penalty for early withdrawal may apply.
3.45% interest rate · Effective Apr 10, 2026
Rate checked
More details - North Coast Credit UnionCertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$530 over 18 months on $10,0003.45% interest rate · Effective May 18, 2026
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More details - Greater Chautauqua Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000Requirements
Product: $500 minimum deposit to open. Compounded daily and posted quarterly. Early withdrawal penalty may be imposed. No setup or maintenance fees.
Offer: Certificate dividends are compounded daily and posted quarterly. Early withdrawal penalties apply.
3.45% interest rate · Compounded daily · Effective Jun 25, 2026
Rate checked
More details - Bank of Franklin CountyCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. Compounded and credited monthly for terms of 6 months or greater. Compounded and credited at maturity for terms of less than 6 months. Early withdrawal penalty may apply. APY requires $500 minimum balance to open and obtain APY ($100 for Fair CD). Rates effective as of October 22, 2026. FDIC insured up to $250,000.
Offer: 18 Month Certificate
Qualified rate · 3.44% interest rate · Effective Oct 22, 2026
Rate checked
More details - Redstone Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Compounding option. Dividend rate is 3.45%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
3.45% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Bar-Cons Federal Credit UnionShare CertificatesCD · 18 months · $200 min
Credit union · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000Requirements
Product: Increase rate by 0.10% when placing $50,000 or more in a term between 18 months and 60 months.
Offer: 6 Month early withdrawal penalty
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - Pleasants County BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal.
3.45% interest rate · Effective Sep 25, 2026
Rate checked
More details - Upstate FCUNormal Term CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000Requirements
Product: Subject to penalty for withdrawals prior to maturity.
3.45% interest rate · Effective Apr 6, 2026
Rate checked
More details - Upstate FCUStep Term CertificateCD · 18 months · $0 min
Credit union · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000Requirements
Product: Offers continuous and unlimited contributions. Subject to penalty for withdrawals prior to maturity.
Offer: Continuous and unlimited contributions.
3.45% interest rate · Effective Apr 6, 2026
Rate checked
More details - Morehead Community Federal Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.49%APY$528 over 18 months on $10,000Requirements
Product: Minimum investment of $1,000.00. Monthly interest checks available. Can be used as collateral on a Shared Secure Loan.
3.45% interest rate · Effective Aug 1, 2026
Rate checked
More details - Farmers Bank of WillardsCertificates of DepositCD · 18 months · $1,000 min · 3.43%–3.48% by balance
Bank · Add a location to see nearby branches
3.48%APY$527 over 18 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates over $250,000. Minimum of $1,000 to open account.
3.44% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Any balanceYour amount 3.48% $100,000 – $249,999Rates between $100,000-$249,999. 3.43% Rate checked
More details - Leominster Employees Federal Credit UnionShare Certificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.47%APY$525 over 18 months on $10,000Requirements
Product: Membership eligibility required. Tier level determined by opening deposit, not subject to change prior to dividend posting. All Share Certificates post dividends at maturity.
Offer: Tier 1
3.50% interest rate · Effective Oct 22, 2026
Rate checked
More details - Silver State Schools Credit UnionRegular CertificatesCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.46%APYRequirements
Product: Compounded and credited monthly. If dividends are paid by check or transferred, compounding will not occur. Early withdrawal penalty: terms 12 months or less, 90 days of dividends; terms greater than 12 months, 180 days of dividends. Membership eligibility required.
Effective Apr 17, 2026
Rate checked
More details - Greylock Federal Credit UnionTerm Share CertificateCD · 18 months · $100 min
Credit union · Add a location to see nearby branches
3.46%APY$523 over 18 months on $10,000Requirements
Product: Dividend Rate and APY are fixed for the term. Fixed APY assumes dividends remain on deposit until maturity. Compounded daily, credited monthly. Additional deposits not permitted after opening. Automatically renewable with a 7-day grace period. Early withdrawal penalty applies.
Offer: 18-Month term. Early withdrawal penalty is 6 months' dividends.
3.40% interest rate · Compounded daily · Effective Aug 17, 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 18-month CDs pay nationwide
3,160 CDs at 2,794 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.94%
- Credit unions, typical
- 3.30%
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