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 1276–1290 of 6,757 results
- Northern Hills Federal Credit UnionCertificatesCD · 25 months · $5,000 min
Credit union · Add a location to see nearby branches
4.20%APY$895 over 25 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Offer: Special certificate rate. Requires funds not already on deposit at NHFCU unless otherwise stated. Automatically renews into a regular term at maturity.
Compounded daily · Effective Oct 4, 2026
Rate checked
More details - 4.20%APY$895 over 25 months on $10,000
Requirements
Product: Open with $1,000 minimum deposit. Early withdrawal penalties may apply. Fees may reduce earnings.
4.11% interest rate · Effective Sep 15, 2026
Rate checked
More details - Cinfed Credit UnionSmart30 CertificatesCD · 30 months · $50 min
Credit union · Add a location to see nearby branches
4.20%APY$1,083 over 30 months on $10,000Requirements
Product: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
Offer: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
4.12% interest rate · Balance cap $20,000
Rate checked
More details - Mid America BankCertificates of DepositCD · 34 months · $10,000 min
Bank · Add a location to see nearby branches
4.20%APY$1,236 over 34 months on $10,000Requirements
Product: Early withdrawals are subject to penalty. Rate is determined by term.
Offer: CD Special. Fixed rate for the term. Early withdrawals subject to penalties.
Rate checked
More details - Texoma Community Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APY$1,314 over 36 months on $10,000Requirements
Product: All certificates are compounded monthly. Interest penalty for early withdrawal of principal. ****The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Withdrawals will reduce earnings. Fixed rates remain in effect until maturity. Rates are subject to change daily. Ask us for further information about these accounts.
Offer: All certificates are compounded monthly. Interest penalty for early withdrawal of principal. ****The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Fixed rates remain in effect until maturity.
4.11% interest rate · Compounded monthly
Rate checked
More details - NCPA Federal Credit UnionShare Term Certificate (STC)CD · 36 months · $250 min
Credit union · Add a location to see nearby branches
4.20%APY$1,314 over 36 months on $10,000Requirements
Product: Fixed dividend rate for the term of the certificate. Dividends accrue daily, but are not compounded. Funds may be used as collateral for NCPAFCU loans. Early withdrawal penalties may reduce earnings.
4.20% interest rate · Effective Oct 8, 2026
Rate checked
More details - Carolina Foothills Federal Credit UnionTerm Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$1,314 over 36 months on $10,000Requirements
Product: Certificates will automatically renew for another term at maturity. You have 10 business days after the date the certificate matures to move make changes or withdraw the funds. A penalty may be imposed if you withdraw the funds before the maturity date.
4.14% interest rate
Rate checked
More details - TAB BankBank Certificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.20%APY$1,314 over 36 months on $10,000Requirements
Product: Good on new CDs only. Interest assumes deposit until maturity and monthly compounding; early withdrawal penalty may apply.
Offer: Must maintain minimum balance to earn disclosed APY.
Effective Oct 4, 2026
Rate checked
More details - Potlatch No 1 Financial Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$1,314 over 36 months on $10,000Requirements
Product: Available to members who live or work in 19 counties in Idaho, 8 counties in Oregon, and the entire state of Washington. Dividends paid quarterly. APY assumes dividends remain on deposit until maturity. Early withdrawal penalty applies: 90 days' dividends for terms under 1 year and 180 days' dividends for terms 1 year or longer. 10-day grace period at maturity.
Offer: Minimum average daily balance of $500.00 required to obtain APY.
4.14% interest rate · Effective Sep 22, 2026
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More details - Capitol FederalCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.20%APY$1,789 over 48 months on $10,000Requirements
Product: FDIC insured time-deposit accounts. Minimum opening deposit of $1,000 required. Accounts opened online reside in Kansas for legal purposes; IRAs and trust accounts cannot be opened online. CDs generally renew automatically at maturity with a 10-calendar-day grace period. Early withdrawal penalties apply to principal withdrawals. No monthly maintenance fees.
Offer: Term: 48 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest.
4.11% interest rate · Compounded daily · Effective Sep 18, 2026
Rate checked
More details - Sandia Area Federal Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$1,789 over 48 months on $10,000Requirements
Product: Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Early withdrawal of up to 50% without penalty is permitted once per term for certificates opened on or after 10/23/2023.
4.12% interest rate · Effective Oct 14, 2026
Rate checked
More details - Baton Rouge Telco FCUShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$1,789 over 48 months on $10,000Requirements
Product: Dividends are posted monthly based on the daily balance and compounded monthly. Variable rate accounts subject to change at any time. Penalties for early withdrawals may apply. Step-up options apply to two-year terms and up, where rate can jump once before maturity. Automatic renewal for the same term at the new APY with a 10-day grace period.
Offer: Step-up option available where rate can jump once before maturity.
4.12% interest rate · Compounded monthly
Rate checked
More details - IAA Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APY$2,284 over 60 months on $10,000Requirements
Product: Dividends compounded daily. Early withdrawal penalties apply. Jumbo rate quoted upon request for minimum $100,000.
Offer: Early withdrawal penalties apply.
4.12% interest rate · Compounded daily · Effective Oct 9, 2026
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More details - Century Heritage Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$2,284 over 60 months on $10,000intro rateRequirements
Product: Penalty for early withdraw may apply.
Offer: Penalty for early withdraw may apply.
Promotional rate · Effective Oct 19, 2026
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More details - Summit Choice Credit UnionCertificatesCD · 60–Unknown months · $300 min
Credit union · Add a location to see nearby branches
4.20%APYintro rateRequirements
Product: Minimum investment of $300. Early withdrawal penalties may apply. Rates valid October 1 - October 31, 2026. Membership requires purchase and maintenance of 1 share ($25.00 par value).
Promotional rate · Effective Oct 1, 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 CDs pay nationwide
37,859 CDs at 4,651 banks and credit unions · checked Oct 22–25
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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