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
- Vanderbilt Credit UnionCertificatesCD · 1–6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: Minimum deposit of $1,000. Early withdrawal penalty may apply. Dividends/interest compounded and credited quarterly.
3.75% interest rate
Rate checked
More details - Vanderbilt Credit UnionCertificates of DepositCD · 1–6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: Minimum deposit of $1,000. Early withdrawal penalty may apply. Dividends/interest compounded and credited quarterly.
3.75% interest rate
Rate checked
More details - Alaska Air Group Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$94 over 3 months on $10,000Requirements
Product: Alaska Air Group Credit Union membership required to open account. Early withdrawal penalties apply.
Offer: Early withdrawal penalties may apply. No monthly service fees.
3.75% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.82%APY$94 over 3 months on $10,000
Requirements
Product: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Offer: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Effective Sep 17, 2026
Rate checked
More details - Community Financial ServicesShare CertificateCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
3.82%APY$94 over 3 months on $10,000Requirements
Product: A 90-day dividend penalty will be imposed for early withdrawal. Deposit amount requires a minimum of $2,500.
3.75% interest rate · Effective Jun 9, 2026
Rate checked
More details - Create Credit UnionLevel Up Certificate of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$94 over 3 months on $10,000Requirements
Product: Variable rate with one-time rate increase option during term to currently effective rate. Early withdrawal penalty of 90 days interest for 3, 6, and 12-month terms, and 180 days interest for 18, 24, 36, 48, and 60-month terms. Subsequent deposits allowed only within first 7 days of account opening.
Offer: 90-day interest penalty for early withdrawal. One-time bump up rate allowed during term.
3.75% interest rate
Rate checked
More details - CPS IBEW FCUJumbo Share CertificatesCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
3.81%APY$94 over 3 months on $10,000Requirements
Product: Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
Offer: Penalty assessed for early withdrawal.
3.75% interest rate · Effective Feb 2, 2026
Rate checked
More details - DESERTVIEWThree Month CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$94 over 3 months on $10,000Requirements
Product: Additional deposits: Not Allowed. Renewable: Automatic. Withdrawals: Allowed--Ask Credit Union. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
Offer: Withdrawals: Allowed--Ask Credit Union. Additional Deposits: Not Allowed. Renewable: Automatic. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
3.75% interest rate · Effective May 24, 2019
Rate checked
More details - Alpine Credit UnionValue CertificateCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: Pays the highest dividend rate. Maturity date options 3-60 months. Auto renewal. Standard maturity terms are 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years. If non-standard term is selected, renews at next shortest standard term. 10-day grace period after renewal.
3.75% interest rate
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
3.74% interest rate · Effective Oct 21, 2026
Rate checked
More details - Mile High FCUShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$94 over 3 months on $10,000intro rateRequirements
Product: Fixed rates; higher rates by selecting a longer term. A wide range of terms available (from 6 months to 30 months). No setup or maintenance fees. Early withdrawals subject to penalty. $500 minimum deposit to open (or $1,000 as stated in rate schedule).
Offer: Share Certificate of Deposit Special. Limited time offer. Penalty for early withdrawal.
Promotional rate · 3.75% interest rate · Effective Oct 20, 2025
Rate checked
More details - Commstar Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$94 over 3 months on $10,000Requirements
Product: Fixed interest rate for the term of the certificate. No risk method of earning interest.
Effective Oct 5, 2026
Rate checked
More details - Luana Savings BankCertificate of Deposit (CD)CD · 3 months · $2,000 min · 3.80%–3.96% by balance
Bank · Add a location to see nearby branches
3.80%APY$94 over 3 months on $10,000Requirements
Product: Open online nationwide or at any branch. $2,000 minimum opening deposit (excludes Kid's CD). No setup or maintenance fees.
3.75% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $2,000 – $100,000Your amount 3.80% $100,000 and up 3.96% Rate checked
More details - Mid-America BankCertificate of Deposit (CD)CD · 3 months · $500 min · 3.80%–4.06% by balance
Bank · Add a location to see nearby branches
3.80%APY$94 over 3 months on $10,000Requirements
Product: Tiered rates; special/jumbo rate available for certificate balances $250,000 & above when additional qualifications are met.
Offer: Standard rate; 91 Day CD
3.75% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY Any balanceYour amount 3.80% $250,000 and up 4.06% Rate checked
More details - Needham BankPersonal Certificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$94 over 3 months on $10,0003.73% interest rate · Effective Sep 29, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 3-month CDs pay nationwide
2,135 CDs at 1,936 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.70%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.17%
Is your bank paying you enough?
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank