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 121–135 results
- OMB BankCertificates of DepositCD · 21 months · $1,000 min
Bank · Add a location to see nearby branches
4.65%APY$828 over 21 months on $10,000intro rateRequirements
Product: All OMB Bank CDs can be opened online nationwide or at any OMB Bank branch. Requires a $1,000 minimum opening deposit and a minimum balance of $0.01 to earn APY. Rates are fixed for the selected term. Early withdrawal penalties apply.
Offer: 21-Month CD Special. Interest compounds quarterly. Renewal rate is based on the 18-month board rate in effect at maturity.
Promotional rate · 4.57% interest rate · Effective Oct 15, 2026
Rate checked
More details - Bank Five NineCertificate of DepositCD · 23 months · $2,500 min
Bank · Add a location to see nearby branches
4.65%APY$910 over 23 months on $10,000intro rateRequirements
Product: Consumer accounts only. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of September 18, 2026.
Offer: 23 Month Special CD Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). At maturity, renews into standard 24-month term. Applicable to Wisconsin residents only.
Promotional rate · 4.57% interest rate · Balance cap $250,000 · Effective Sep 18, 2026
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More details - Rio Grande Credit UnionShare CertificatesCD · 25 months · $500 min
Credit union · Add a location to see nearby branches
4.65%APY$993 over 25 months on $10,000Requirements
Product: Rio Grande Credit Union membership is required. Assumes principal and interest remain on deposit for the term of the Certificate. Substantial penalties may be imposed for early withdrawal and could reduce earnings.
Offer: Substantial penalties may be imposed for early withdrawal and could reduce earnings.
4.55% interest rate · Effective Oct 22, 2026
Rate checked
More details - MY CREDIT UNIONShare CertificatesCD · 27 months · $500 min · 4.59%–4.70% by balance
Credit union · Add a location to see nearby branches
4.65%APY$1,077 over 27 months on $10,000Requirements
Product: Must maintain $5 in Membership Share Account for credit union membership eligibility. Dividends paid quarterly. Early withdrawal penalty may apply.
Offer: Certificate of Deposit Special
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 4.59% $10,000 and upYour amount 4.65% $25,000 and up 4.70% Rate checked
More details - Waukesha State BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.65%APY$2,552 over 60 months on $10,000Requirements
Product: Rates and terms apply to regular and jumbo CDs up to $1 million. Advance approval required over $1 million. Penalty for early withdrawal may apply. Fees could reduce earnings.
Offer: APY compounded monthly.
4.55% interest rate · Compounded monthly · Balance cap $1,000,000
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More details - Advia Credit UnionRegular CDCD · 11 months · $500 min
Credit union · Add a location to see nearby branches
4.61%APY$422 over 11 months on $10,000with conditionsRequirements
Product: Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
Offer: 11-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 12-month term upon maturity.
Qualified rate · Effective Aug 1, 2026
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More details - Union State Bank27 Month CD SpecialCD · 27 months · $10,000 min
Bank · Add a location to see nearby branches
4.61%APY$1,067 over 27 months on $10,000with conditionsRequirements
Product: Option to pay monthly to a USB checking account
Offer: Option to pay monthly to a USB checking account
Qualified rate · 4.60% interest rate · Effective Sep 30, 2026
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More details - 4.60%APY$189 over 5 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: New Money Only - funds not currently held on deposit with FMB. Interest compounded monthly. At maturity, renews to a 3-Month term. Penalty for early withdrawal.
4.51% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - Dort Financial Credit UnionCertificate of Deposit (7-Month Limited-Time Offer)CD · 7 months · $5,000 min
Credit union · Add a location to see nearby branches
4.60%APY$266 over 7 months on $10,000intro rateRequirements
Product: Certificate term is 7 months and will automatically renew to a 6-month certificate at the posted rate at the time of renewal. $5,000 minimum balance required with no maximum. For new money to Dort Financial Credit Union only. APY assumes dividends remain on deposit until maturity; early withdrawal penalty applies. Limited time offer.
Offer: Limited-time promotional certificate. Automatically renews to a 6-month certificate at posted rate upon maturity. Requires new money to Dort Financial Credit Union. Early withdrawal penalty applies.
Promotional rate
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More details - Utica Gas & Electric Federal Credit Union10 Month Certificate SpecialCD · 10 months · $500 min · 4.50%–4.60% by balance
Credit union · Add a location to see nearby branches
4.60%APY$382 over 10 months on $10,000intro rateRequirements
Product: Limited-time offer. Cannot be combined with the Anniversary Special. Early withdrawal penalty applies.
Offer: Limited-time offer.
Promotional rate
Rate by balance
Rate by balance for 10 Month Certificate Special Balance APY $500 and up 4.50% $10,000 and upYour amountRequires $10,000 or more in new money from another financial institution. 4.60% Rate checked
More details - Quoin Financial BankCD SpecialsCD · 13 months · $5,000 min
Bank · Add a location to see nearby branches
4.60%APY$499 over 13 months on $10,000Requirements
Product: Minimum deposit $5,000.00. Penalty may be imposed for early withdrawal.
Offer: 13 Month Certificate. Penalty may be imposed for early withdrawal.
Effective Oct 21, 2026
Rate checked
More details - Geddes Federal Savings and Loan AssociationCertificate of DepositCD · 13 months · $500 min
Bank · Add a location to see nearby branches
4.60%APY$499 over 13 months on $10,000Requirements
Product: $500 Minimum Balance. Minimum deposit of $500 to open a CD account. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location. Interest is compounded daily and posted quarterly.
Offer: Special rate. $500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY.
4.50% interest rate · Compounded daily · Effective Oct 9, 2026
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More details - Bank of BuffaloCertificate of DepositCD · 13 months · $500 min
Bank · Add a location to see nearby branches
4.60%APY$499 over 13 months on $10,0004.52% interest rate · Effective Oct 6, 2026
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More details - The First Bank of GreenwichPlatinum Time DepositsCD · 13 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$499 over 13 months on $10,000intro rateRequirements
Product: Early withdrawal penalty is 3.0% of the principal plus $25.00 fee. Automatic renewal at maturity with 10 grace days.
Offer: Promotional APY is for funds not currently on deposit with The First Bank of Greenwich. Early withdrawal penalty is 3.0% of the Principal plus $25.00. Interest is credited and compounded monthly.
Promotional rate · Compounded monthly
Rate checked
More details - Nutmeg State Financial Credit UnionShare CertificatesCD · 14 months · $1,000 min
Credit union · Add a location to see nearby branches
4.60%APY$539 over 14 months on $10,000Requirements
Product: Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.
Offer: Promotional Rate. At maturity, rolls into a 12-month non-promotional certificate at the then-current rate. Minimum deposit is $1,000 per member on new money only (not available for funds withdrawn from existing Nutmeg savings or certificate accounts). Online enrollment only. Cannot be combined with other offers.
4.51% interest rate · Effective Oct 19, 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 CDs pay nationwide
37,729 CDs at 4,654 banks and credit unions · checked Oct 15–22
- Typical
- 3.19%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank