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 Indiana
- 6.00%APY$549 over 11 months on $10,000intro rate
Requirements
Product: Money is automatically transferred from your direct deposit into the payroll certificate each time you get paid. Rate based on term selected (3 to 12 months) or certificate specials. Minimum $20 to open. Penalty for early withdrawal or no early withdrawals on specific specials. Fees may reduce earnings.
Offer: Limited Time Only Certificate Special: Must be opened in online or mobile banking between Oct 15th-19th, 2026 at 8:00 AM EST. $20 minimum and maximum to open. ACH distribution required with maximum $200/monthly, $100/bi weekly, or $50/weekly. No early withdrawals. Upon maturity, payroll certificates are transferred back into the account selected at opening. Limit one Payroll Certificate per member (SSN). Cannot use Loyalty Points or other offers in combination.
Promotional rate
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More details - Whiting Refinery Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 1 branch
5.12%APY$2,836 over 60 months on $10,000Requirements
Product: Rates subject to change at any time. Certain limitations may apply. Subject to early penalty withdrawal.
5.00% interest rate
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More details - 5.09%APY$2,818 over 60 months on $10,000
Requirements
Product: A substantial penalty may be imposed for early withdrawal. Rates are subject to change without notice. Fees may reduce earnings.
5.00% interest rate · Effective Sep 29, 2026
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More details - 4.99%APY$1,573 over 36 months on $10,000
4.90% interest rate
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More details - 4.75%APY$804 over 20 months on $10,000
Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
Offer: 20 Month Special
4.65% interest rate
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More details - Advantage Plus Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · 1 branch
4.73%APY$1,487 over 36 months on $10,000Requirements
Product: Certificates based on a $500 minimum balance. A penalty may be imposed for early withdrawal which could affect the annual percentage yield.
4.65% interest rate
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More details - 4.71%APY$1,481 over 36 months on $10,000
Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.60% interest rate · Effective Oct 5, 2026
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More details - 4.60%APY$2,522 over 60 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
Offer: Premier tier. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 12, 2026
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More details - Midwest Family Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · 1 branch
4.59%APY$227 over 6 months on $10,000with conditionsRequirements
Product: Fixed rate time deposit for members. Terms from 6-60 months. Penalties for early withdrawal apply (loss of 90 days dividends).
Offer: LOYALTY CERTIFICATE PROMO. Requirements: Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU. Penalty for early withdrawal is loss of 90 days dividends.
Qualified rate · 4.50% interest rate
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More details - Members Advantage Credit UnionCertificates of DepositCD · 72 months · $1,000 min
Credit union · 3 branches
4.55%APY$3,060 over 72 months on $10,000Requirements
Product: Dividends compounded monthly. A minimum deposit of $1,000.00 is required.
Offer: Dividends compounded monthly.
Compounded monthly · Effective Oct 1, 2026
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More details - 4.50%APY$223 over 6 months on $10,000
Requirements
Product: Must have at least one ownership share on deposit in a Membership Savings account to open additional products. Compounded daily, paid monthly. Early withdrawal penalty applies: 90 days' dividends or all dividends earned (whichever is less) for terms of 1 year or less; 180 days' dividends or all dividends earned (whichever is less) for terms greater than 1 year.
Offer: Paid monthly.
4.40% interest rate · Compounded daily · Effective Sep 23, 2026
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More details - 4.50%APY$298 over 8 months on $10,000
Requirements
Product: Minimum deposit of $1,000 to open certificate ($500 for primary members under age 18). Minimum of $500 balance required to earn dividends. Penalty for early withdrawal.
Offer: Opening minimum is $500 for primary members under age 18. Unless redeemed, upon maturity automatically reinvests into a 6-month certificate at the then current APY.
4.35% interest rate · Effective Oct 1, 2026
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More details - Members Source Credit UnionShare Certificates (CDs)CD · 11 months · $1,000 min
Credit union · 3 branches
4.50%APY$412 over 11 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Dividends credited and compounded monthly. Rates subject to change without notice.
Offer: 11-Month Special.
Promotional rate · 4.41% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. After account is opened, no deposits/withdrawals permitted until maturity date. Certificates automatically renew at maturity for same term at current market rate. Available on terms from 6 months to 60 months (and 3 month term). Option to choose whether dividends are compounded internally, paid by check, or deposited to another GenFed account.
4.41% interest rate · Effective Oct 1, 2026
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More details - 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit required for 12 Month Special using funds not currently on deposit at GreenWay Bank. CD specials renew at a 12 Month term; all others renew at original term. Interest credited quarterly (3 Month compounded at maturity). Penalty may be imposed for early withdrawal.
Offer: 12 Month Special (new money). Compounding quarterly. Renews at a 12 Month term. $1,000 minimum opening deposit required using funds not currently on deposit at GreenWay Bank.
Promotional rate · 4.43% interest rate · Effective Sep 22, 2026
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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 CDs pay in Indiana
1,673 CDs at 171 banks and credit unions · checked Oct 15–22
- Typical
- 2.94%
- Top 10% from
- 4.03%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.04%
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Find your bank or credit union to see all its rates and how they compare near you.
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