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 Ontario, OR-ID metro
- 4.30%APY$2,343 over 60 months on $10,000
Requirements
Product: $500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.
4.23% interest rate
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More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.17%APY$417 over 1 year on $10,000with conditions
Requirements
Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.
Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.
Qualified rate · Balance cap $240,000 · Effective Oct 13, 2026
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificates $500 or MoreCD · 6 months · $500 min
Credit union · 5 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Treasure Valley rates. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
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More details - Rogue Credit UnionTreasure Valley Certificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 5 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Treasure Valley Small Savers Add-On Certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
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More details - Rogue Credit UnionTreasure Valley Bump Rate CertificateCD · 30 months · $500 min
Credit union · 5 branches
3.90%APY$1,004 over 30 months on $10,000Requirements
Product: Treasure Valley Bump Rate Certificate. Rate Increase Option allows increasing interest rate and APY one time during term if rates increase. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
Offer: Allows one rate increase during term if applicable interest rates increase.
3.83% interest rate · Effective Oct 22, 2026
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More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
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More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
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More details - 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.54% interest rate · Effective Oct 22, 2026
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More details - 3.60%APY$924 over 30 months on $10,000
Requirements
Product: Rate Increase Option allows increasing interest rate and APY one time during term if rates increase. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
Offer: Allows one rate increase during term if applicable interest rates increase.
3.54% interest rate · Effective Oct 22, 2026
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More details - Rogue Credit UnionCertificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 5 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Special add-on certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.45% interest rate · Effective Oct 22, 2026
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More details - 3.50%APY$560 over 19 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
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More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
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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
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 Ontario, OR-ID metro
201 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 1.01%
- Top 10% from
- 3.84%
- Banks, typical
- 0.33%
- Credit unions, typical
- 3.90%
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Ontario, OR-ID metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 1 branch
- Rogue Credit UnionCredit union · 5 branches