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 1306–1320 of 2,149 results
- Advia Credit UnionRegular CDCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.30%APY$32 over 3 months on $10,000with conditionsRequirements
Product: Membership required. Federally insured by NCUA up to $250,000. $500 minimum balance/deposit. Early withdrawal penalty may apply. Promotional rate terms (11-Month and 21-Month) revert to standard 12-Month and 24-Month terms upon maturity. Advantage Plus CD Rate Premium (+0.25% APR / higher APY) applies when Advantage Plus Rewards qualifications are met at opening.
Offer: Base APY. Dividends remain until maturity; early withdrawal penalties may apply.
Qualified rate · 1.29% interest rate · Effective Oct 20, 2026
Rate checked
More details - True Sky Federal Credit UnionCertificate of Deposit (CD)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.30%APY$32 over 3 months on $10,000Requirements
Product: The APY assumes dividends are compounded quarterly and will remain on deposit until maturity. Fees may reduce earnings.
1.29% interest rate · Compounded quarterly
Rate checked
More details - True Sky Federal Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.30%APY$32 over 3 months on $10,000intro rateRequirements
Product: Most certificate accounts require a minimum investment of $500. Early withdrawal penalty may apply. NCUA insured. Minimum deposit of $1,000 required max of $100,000 for APY rate accuracy terms. New money only.
Promotional rate · 1.29% interest rate
Rate checked
More details - Lampco FCUShare Certificates of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.30%APY$32 over 3 months on $10,000Requirements
Product: Fixed rate for the term of CD. Must maintain a minimum balance of $500. Early withdrawals are subject to penalties.
Offer: Penalty may be imposed for early withdrawal.
Effective Sep 15, 2026
Rate checked
More details - Columbia Credit UnionCertificate of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.29%APY$32 over 3 months on $10,000Requirements
Product: Dividends are fixed for the term, paid quarterly, and determined monthly. Minimum deposit is $500.00. Early withdrawal penalties apply.
Effective Oct 5, 2026
Rate checked
More details - Northland Area FCUCompounding CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
1.25% interest rate · Compounded quarterly · Effective Oct 22, 2026
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More details - Kohler Credit UnionCertificate AccountsCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000intro rateRequirements
Product: Federally insured by NCUA. Membership required. Dividends compound and credit monthly. Early withdrawal penalties apply and will reduce earnings on account.
Promotional rate · 1.25% interest rate · Effective Oct 9, 2026
Rate checked
More details - Purdue Federal Credit UnionFixed-Rate Share CertificatesCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Membership eligibility required. Subject to approval. $5 deposit in Member Ownership Share required.
Offer: Bronze Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
1.25% interest rate · Compounded daily
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More details - Autotruck Financial CUShare Certificate AccountsCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Dividend period for all accounts is quarterly. A penalty will be imposed for early withdrawal.
1.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - National Capital BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Fixed-rate terms ranging from 3 to 36 months. Interest is compounded and credited to the CD on a monthly basis. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty: 30 days' simple interest.
1.25% interest rate · Effective Feb 19, 2026
Rate checked
More details - Laona State BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. Annual percentage yield is based upon monthly compounding of interest for the term of deposit. Interest rates are subject to change at any time and without notice.
Offer: Compounded/credited monthly.
1.25% interest rate · Effective Aug 24, 2026
Rate checked
More details - Petefish, Skiles & Co BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Substantial penalty for early withdrawal from certificates of deposit. Rates subject to change at any time without notice. Annual percentage yield assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal on all accounts. Fees may reduce earnings.
1.25% interest rate · Effective Jul 15, 2024
Rate checked
More details - Credit Union 1Certificate AccountCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Dividends are calculated using the daily balance method and are compounded and credited quarterly and upon maturity (terms of 1 month and 3 months pay dividends upon maturity only). Fixed rate for the term of the account. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalties apply (60 days' dividends for terms of 1 year or less; 180 days' dividends for terms over 1 year). Additional deposits not permitted after opening.
Offer: Fixed rate. Minimum balance to earn stated APY is $500.00.
1.25% interest rate · Effective Dec 19, 2025
Rate checked
More details - Evansville Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.26%APY$31 over 3 months on $10,000Requirements
Product: Early withdrawal penalty of 90 days of earned or unearned interest. Dividends paid on a 365-day year. Dividends can be compounded or paid monthly to an EFCU share account. Federally insured by NCUA to at least $250,000.
Offer: Early withdrawal penalty of 90 days of earned or unearned interest.
1.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - Pearl HawaiiCertificatesCD · 1–5 months · $1,000 min
Credit union · Add a location to see nearby branches
1.25%APYRequirements
Product: Dividends are paid monthly and calculated daily. Fixed-rate returns guaranteed for the entire term of the account. Deposits and withdrawals are subject to a seven-calendar-day grace period after maturity, otherwise automatically renews. Penalties apply for early withdrawals. Fees could reduce earnings on the account. Federally insured by NCUA.
Effective Oct 3, 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
2,149 CDs at 1,940 banks and credit unions · checked Oct 22–25
- Typical
- 2.01%
- Top 10% from
- 3.75%
- Banks, typical
- 1.90%
- Credit unions, typical
- 2.17%
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Ranked across their CDs, savings, auto loans and credit cards. How scores work
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