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 1261–1275 of 3,160 results
- Guthrie Community Credit UnionShare CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.46%APY$523 over 18 months on $10,000Requirements
Product: Membership required with a $10 deposit. Penalty may be imposed for early withdrawal.
Offer: Daily Balance dividend method; daily compounding; dividends paid quarterly.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Americo FCUShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.46%APY$523 over 18 months on $10,000intro rateRequirements
Product: Rates fixed at time of purchase. Dividends do not compound on the share certificate; paid into primary share account. Early withdrawal penalty may apply. Current rates apply to new money deposited from outside Americo FCU only.
Offer: Applies to new money only.
Promotional rate · 3.46% interest rate · Effective Sep 30, 2026
Rate checked
More details - JM Associates FCUTerm Share CertificateCD · 18 months · $1,000 min · 3.46%–3.51% by balance
Credit union · Add a location to see nearby branches
3.46%APY$523 over 18 months on $10,000Requirements
Product: Penalties for early withdrawal on term share accounts.
3.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 and upYour amount 3.46% $50,000 and up 3.51% Rate checked
More details - Reliance BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.46%APY$523 over 18 months on $10,000Requirements
Offer: Fixed rate paid until maturity. Daily balance method. Compounded and credited annually. Early withdrawal penalty: 6 months interest.
3.45% interest rate · Effective Dec 2, 2024
Rate checked
More details - Eastex Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.46%APY$523 over 18 months on $10,000Requirements
Product: Dividends can be compounded quarterly in the share certificate or transferred quarterly to another Eastex account.
3.40% interest rate · Compounded quarterly
Rate checked
More details - Firstmark Credit UnionRegular CDsCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000intro rateRequirements
Product: Must have an S1 savings account with a minimum of $5. Minimum opening deposit is $500.
Offer: Compounded monthly. Early withdrawal penalty applies.
Promotional rate · 3.40% interest rate · Compounded monthly · Effective Oct 23, 2026
Rate checked
More details - First Federal Bank of Kansas CityCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: FDIC insured up to $250,000. No fees or monthly maintenance service charge. Automatic renewal options. Must be a US resident or permanent resident alien and at least 18 years old to open online.
Offer: Penalty for early withdrawal.
3.41% interest rate · Effective Oct 23, 2026
Rate checked
More details - Wildfire Credit UnionCertificateCD · 18–23 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APYintro rateRequirements
Product: One-time rate bump on 60 month term. Dividends are compounded and credited monthly. Penalty for early withdrawal.
Promotional rate · 3.40% interest rate
Rate checked
More details - Encentus Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: $500 minimum deposit; 3 to 36 month terms available; subject to penalties for early withdrawal.
Offer: Penalty may be imposed for early withdrawal
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Oklahoma Central Credit UnionCertificate AccountsCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: $1,000 minimum balance to maintain. Deposits are only allowed at time of opening and maturity. Penalty for early withdrawal. Membership conditions may apply.
Offer: Dividends compounded and paid monthly. Early withdrawal penalty applies. Automatic renewal at maturity for the same term with new available rate if no instructions given.
Effective Oct 16, 2026
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More details - Freedom Credit UnionSavings CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Requires $500 minimum to open and $500 minimum balance to earn advertised APY. Penalty imposed for early withdrawal. Dividend rate and APY may change at any time.
3.39% interest rate · Effective Sep 16, 2026
Rate checked
More details - Valley18-Month Certificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
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
3.45%APY$522 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: Non-compounding option. Dividend rate is 3.45%. Dividends transferred to designated share account. 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 - Sound Community BankCertificates of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. Interest compounded monthly. Minimum opening deposit $1,000 ($500 for minors). Clients with a checking account receive the 'with Checking' rate; clients without a checking account receive the 'without Checking' rate. 18 Month Bump CD includes option to bump interest rate once during initial term to current 18-month Bump Rate.
Offer: With checking account. Client has the option to bump the interest rate once during initial term to current 18-month Bump Rate.
Qualified rate · 3.40% interest rate · Compounded monthly · Effective Oct 19, 2026
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More details - Jarrettsville FederalCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$522 over 18 months on $10,000Requirements
Product: Accounts available for Maryland and Pennsylvania residents only; all others are on a case-by-case basis. All applicants must physically come to branch location to open any account.
3.39% interest rate · Effective Oct 20, 2026
Rate checked
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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
3,160 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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