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 1–7 results in Decatur, IN metro
- Central Soya Federal Credit UnionShare CertificatesCD · 12–24 months · $5,000 min
Credit union · 1 branch
4.50%APYRequirements
Product: $500.00 minimum deposit required. APR/APY subject to change at any time without notice.
Offer: CD Special: You pick the term, 1 or 2 years. Minimum balance of $5,000.00.
4.50% interest rate
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
Offer: Early withdrawal penalty is 30 days' dividends.
3.68% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$343 over 11 months on $10,000intro rate
Requirements
Product: Annual percentage yield (APY) is accurate as of the effective date shown. Fees may reduce earnings on the account.
Offer: 11 MONTH CD SPECIAL. The effective annual percentage yield applies if interest is compounded. Substantial penalty for early withdrawal. Interest will compound quarterly. No additions permitted. Offer may be withdrawn at any time. APY effective on all balances.
Promotional rate · Effective Oct 6, 2026
Rate checked
More details - 3.70%APY$786 over 25 months on $10,000
Requirements
Product: Membership at ProFed is required. Early withdrawal penalties may apply. Must maintain minimum daily balance to obtain disclosed APY.
Offer: Special Bump certificate: includes a one-time rate increase feature if ProFed's published rate for a standard 24-month certificate increases above your current rate during the 25-month term (member must request increase). No additional deposits allowed. Renews as standard 24-month certificate at maturity. Must open in-person at branch or by phone. Limited time offer.
3.64% interest rate · Effective Sep 15, 2026
Rate checked
More details - 3.50%APY$261 over 9 months on $10,000intro rate
Requirements
Product: FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.
Offer: At maturity, the 9 month CD will automatically renew as a 12 month CD. Subject to early withdrawal penalty.
Promotional rate · 3.45% interest rate · Effective Apr 1, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Membership at ProFed is required. Allows unlimited deposits. Must maintain minimum daily balance disclosed on Certificate to obtain APY.
2.96% interest rate
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
What CDs pay in Decatur, IN metro
40 CDs at 6 banks and credit unions · checked Oct 15–17
- Typical
- 3.00%
- Top 10% from
- 4.12%
- Banks, typical
- 3.55%
- Credit unions, typical
- 2.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Decatur, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Flagstar BankBank · 1 branch