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 1–15 results
- Toyota Financial Savings BankCertificates of DepositCD · 48 months · $1 min
Bank · Add a location to see nearby branches
5.20%APY$2,248 over 48 months on $10,000Requirements
Product: Available to eligible Dealer Personal Banking, Team Member Banking, or Team Member Relocation program members. Interest rates and APYs are fixed and guaranteed for the length of the initial term. Automatically renewable. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: 180 days interest on amount withdrawn for 36-60 months remaining to maturity.
5.10% interest rate · Effective Oct 19, 2026
Rate checked
More details - Raymond James BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
5.20%APY$2,248 over 48 months on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Not purchased through Raymond James brokerage account.
5.07% interest rate · Effective Oct 9, 2026
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More details - Raymond James BankCertificates of Deposit (CDs)CD · 48 months · $2,000 min
Bank · Add a location to see nearby branches
5.20%APY$2,248 over 48 months on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Purchased through Raymond James brokerage account.
5.07% interest rate · Effective Oct 9, 2026
Rate checked
More details - Commonwealth Credit UnionWealth Development CertificateCD · 48 months · $5 min
Credit union · Add a location to see nearby branches
5.00%APY$2,155 over 48 months on $10,000Requirements
Product: Each member may only have one account. Requires direct monthly transfer from savings ($20 min/$400 max per month for 24-month terms; $20 min/$200 max per month for 48-month terms). One withdrawal allowed within a 90-day period; a subsequent withdrawal in the same 90-day period incurs penalty and closes account. Will not renew at maturity; funds transfer to Regular Savings. Dividends paid annually on anniversary of open date.
Offer: Required monthly transfer from savings: $20 minimum, $200 maximum per month. Dividends compounded and credited annually. One withdrawal allowed per 90-day period. Transfer to Regular Savings at maturity.
5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
4.94%APY$2,127 over 48 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
4.85% interest rate
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More details - Scott Associates Credit Union IncShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.86%APY$2,088 over 48 months on $10,000Requirements
Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.
Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.
4.80% interest rate
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More details - Tower Federal Credit UnionRegular and Special Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.85%APY$2,086 over 48 months on $10,000intro rateRequirements
Product: Early withdrawal penalty applies. 3 month, 9 month, and 18 month terms are Special Share Certificates offered for a limited time and automatically renew at the next highest term Share Certificate unless funds are withdrawn at maturity.
Offer: Early withdrawal penalty applies.
Promotional rate · 4.74% interest rate · Effective Oct 9, 2026
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More details - MECE Credit UnionCertificates (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.84%APY$2,081 over 48 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
4.75% interest rate
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More details - Woodlands National BankStandard CD RatesCD · 48 months · $1,000 min · 4.84%–4.94% by balance
Bank · Add a location to see nearby branches
4.84%APY$2,081 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.78% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.84% $50,000 and up 4.94% Rate checked
More details - Grant County State BankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.83%APY$2,077 over 48 months on $10,000Requirements
Product: A substantial penalty may be imposed for early withdrawal. Rates are subject to change without notice. Fees may reduce earnings.
4.75% interest rate · Effective Sep 29, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 48–59 months
Credit union · Add a location to see nearby branches
4.80%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 4 years (1460-1824 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.70% interest rate · Effective Oct 15, 2026
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More details - Fremont Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.80%APY$2,063 over 48 months on $10,000Requirements
Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.
Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.
4.70% interest rate · Effective Oct 1, 2026
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More details - Nicolet National BankCertificate of DepositCD · 48 months · $2,500 min
Bank · Add a location to see nearby branches
4.70%APY$2,017 over 48 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.62% interest rate · Effective Sep 23, 2026
Rate checked
More details - BTG Pactual Bank, National AssociationOnline CDCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.70%APY$2,017 over 48 months on $10,000intro rateRequirements
Product: Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Interest is compounded monthly and assumes funds remain on deposit until maturity.
Promotional rate · 4.60% interest rate · Compounded monthly · Effective Oct 6, 2026
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More details - Georgia Heritage Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.70%APY$2,017 over 48 months on $10,000Requirements
Product: Minimum opening deposit of $500 is required. Dividends paid monthly. Automatic renewal.
Offer: 180 Days penalty may apply for early withdrawal and may reduce earnings.
4.60% interest rate
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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 4-year CDs pay nationwide
3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 3.98%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.20%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank