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Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

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Top CD rates

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    What 5-year CDs pay online, nationwide

    53 CDs at 47 online banks, credit unions and apps · checked Oct 22–25

    Typical
    3.65%
    Top 10% from
    4.95%
    Banks, typical
    3.38%
    Credit unions, typical
    3.70%

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    Nationwide

    Top Carrot institutions

    Ranked across their CDs, savings, auto loans and credit cards. How scores work

    1. Quorum Federal Credit UnionCredit union
    2. Popular DirectBank
    3. Comenity Capital BankBank
    See all ranked institutions

    CD rates by state

    Best CD Rates of October 2026 | Carrot Rate