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 in Kendallville, IN metro
- 4.06%APY$793 over 23 months on $10,000
Requirements
Product: Substantial interest penalty for early withdrawal. Monthly interest checks are not available, but interest may be direct deposited to checking/savings or added back to CD.
Offer: Compounded Quarterly.
4.00% interest rate · Compounded quarterly · Effective Oct 13, 2026
Rate checked
More details - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 3.90%APY$423 over 13 months on $10,000with conditions
Requirements
Product: Requires having or opening a Lake City Bank checking account. Deposits and withdrawals not allowed. Penalty for early withdrawal.
Offer: Requires checking account. Penalty for early withdrawal.
Qualified rate · Effective Oct 4, 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 - 3.70%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
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More details - 3.60%APY$360 over 1 year on $10,000intro rate
Requirements
Offer: Renew into a regular 12 Month Term
Promotional rate · Effective Oct 8, 2026
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More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.17%APY$184 over 7 months on $10,000intro rate
Requirements
Product: Automatically renews into a 12 Month CD unless redeemed at time of maturity. Interest compounded quarterly, added back to CD quarterly.
Offer: Automatically renews into a 12 Month CD unless redeemed at time of maturity.
Promotional rate · 3.13% interest rate · Compounded quarterly
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 - 2.75%APY$91 over 4 months on $10,000
Requirements
Product: Penalty for early withdrawal. Deposits and withdrawals not allowed.
Offer: Penalty for early withdrawal.
Effective Oct 4, 2026
Rate checked
More details - 2.65%APY$400 over 18 months on $10,000
Requirements
Product: Unlimited deposits and up to one withdrawal per month allowed. Penalty for early withdrawal.
Offer: Unlimited deposits and up to one withdrawal per month. Penalty for early withdrawal.
Effective Oct 4, 2026
Rate checked
More details - MidWest America Federal Credit UnionRegular Share CertificateCD · 6 months · $500 min
Credit union · 1 branch
2.45%APY$121 over 5.98 months on $10,000with conditionsRequirements
Product: Minimum balance to open is $500. Penalty for early withdrawal. Relationship Perks: 0.20% APY boost available to members with an active checking account (Freedom, Benefits Plus, or Reward Checking) open for at least 30 days with a minimum of 5 transactions in the most recent month.
Offer: Term: 182 days. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month).
Qualified rate · 2.23% interest rate · Effective Sep 23, 2026
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More details - 2.40%APY$995 over 48 months on $10,000
Requirements
Product: Allows withdrawal and reinvestment of deposit once without penalty, as long as new CD's term equals time remaining in original Rate-Riser CD. Deposits and withdrawals not allowed otherwise. Penalty for early withdrawal.
Offer: Allows one penalty-free withdrawal and reinvestment for remaining term. Penalty for early withdrawal.
Effective Oct 5, 2026
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More details - 1.51%APY$151 over 1 year on $10,000
Requirements
Product: Interest compounded quarterly, added back to CD quarterly. Automatic renewal.
1.50% interest rate · Compounded quarterly
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More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited deposits and up to one withdrawal per month allowed. Penalty for early withdrawal.
Offer: Unlimited deposits and up to one withdrawal per month. Penalty for early withdrawal.
Effective Oct 4, 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
What CDs pay in Kendallville, IN metro
148 CDs at 9 banks and credit unions · checked Oct 15–16
- Typical
- 2.00%
- Top 10% from
- 3.54%
- Banks, typical
- 1.26%
- Credit unions, typical
- 2.50%
Is your bank paying you enough?
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Indiana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityWide Federal Credit UnionCredit union · 11 branches
- Haynes Community FCUCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch