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 1–11 results in Paducah, KY-IL metro
- 4.40%APY$1,379 over 36 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open and earn desired APY on all Banterra CDs. Online applicants must be 18 years old, a US citizen with a US address, and resident of AZ, CO, ID, IL, IN, KY, MO, or UT.
Offer: Promotional rate special. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - Community Financial Services BankCertificates of Deposit (CDs)CD · 17 months · $1,000 min
Bank · 2 branches
4.17%APY$596 over 17 months on $10,000intro rateRequirements
Product: FDIC insured up to $250,000. Automatic renewal at maturity with a 10-day grace period. Penalty for early withdrawal. Setup and maintenance fees: $0.
Offer: 17-Month Special. Penalty for early withdrawal. Account fees may reduce earnings.
Promotional rate · 4.09% interest rate · Effective Sep 23, 2026
Rate checked
More details - C-Plant Federal Credit UnionStandard Share CertificatesCD · 12 months · $1,000 min
Credit union · 5 branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Certificate rates, terms, and conditions are subject to change weekly. 90-day dividend penalty for early withdrawal. Fees may reduce earnings.
Offer: 90-day dividend penalty for early withdrawal. Certificate rates, terms, and conditions are subject to change weekly.
Effective Jan 20, 2026
Rate checked
More details - SIU Credit UnionTerm Share CertificateCD · 6 months · $500 min · 4.01%–4.11% by balance
Credit union · 1 branch
4.01%APY$199 over 6 months on $10,000Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors. Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Subject to maturity. Rates discounts not reflected above.
3.95% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $50,000Your amount 4.01% $50,000 and up 4.11% Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Minimum deposit is $1,000.00. Rates and terms are adjusted periodically to reflect market conditions.
Offer: Minimum balance requirement to open and earn APY is $1,000.00. Automatically renews into a 12-Month certificate at maturity with a 10-calendar-day grace period. Early withdrawal penalty is 90 days interest. No additional deposits allowed once established.
Effective Mar 2, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: Dividends paid quarterly; monthly checks upon request. All members must have a regular savings account and maintain a minimum balance of $5.00 to remain a member.
3.00% interest rate · Effective Jan 21, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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 Paducah, KY-IL metro
55 CDs at 8 banks and credit unions · checked Oct 6–22
- Typical
- 2.25%
- Top 10% from
- 4.07%
- Banks, typical
- 0.40%
- Credit unions, typical
- 3.55%
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Paducah, KY-IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Signet Federal Credit UnionCredit union · 3 branches