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 Mississippi
- New Orleans Firemen's Federal Credit UnionCertificateCD · 24 months · $2,000 min · 4.25%–4.50% by balance
Credit union · 1 branch
4.50%APY$920 over 24 months on $10,000Requirements
Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.
Rate by balance
Rate by balance for Certificate Balance APY $2,000 – $9,999 4.25% $10,000 and upYour amount 4.50% Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: May have an early withdrawal penalty. Can be set to automatically renew.
Offer: Early withdrawal penalty: 12 Months.
Effective Oct 15, 2026
Rate checked
More details - 4.39%APY$476 over 13 months on $10,000with conditions
Requirements
Product: Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate. Automatic renewal upon maturity for the standard rate and term. Early withdrawal penalties may apply.
Offer: Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate. Early withdrawal penalties may apply.
Qualified rate · 4.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.35%APY$398 over 11 months on $10,000
Requirements
Product: Minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
Offer: Certificate Special. Quarterly dividends. Early withdrawals are subject to penalty.
Effective Oct 1, 2026
Rate checked
More details - 4.33%APY$214 over 6 months on $10,000
Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded monthly.
4.25% interest rate · Compounded monthly · Effective Oct 7, 2026
Rate checked
More details - All In Credit UnionShare CertificatesCD · 18 months · $1,000 min · 4.33%–4.39% by balance
Credit union · 1 branch
4.33%APY$656 over 18 months on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
4.25% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.33% $100,000 and upJumbo 4.39% Rate checked
More details - 4.33%APY$656 over 18 months on $10,000intro rate
Requirements
Product: Available to members 18+ years old. Minimum opening balance of $500 required. Additional deposits are not permitted after opening. Daily balance method is used to calculate dividends. Certificate specials automatically renew to the next highest term upon maturity if the promotional term is no longer available. Early withdrawal penalties apply (90 days dividends for terms <= 12 months, 180 days dividends for terms > 12 months; $25 early withdrawal fee plus interest penalty). A 5-day grace period applies after maturity.
Offer: Certificate special. If the term is not available on maturity, certificate will renew to the next highest term.
Promotional rate · 4.25% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
Rate checked
More details - 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: Promotional Annual Percentage Yields (APY) are available for new money only. IRA CDs are not eligible for certificate specials. Early withdrawals subject to penalty (loss of 30 days interest for 8 and 12 month certificates; loss of 90 days interest for 18 month certificates). Dividend rate for renewed term determined at maturity date.
Offer: Promotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 30 days interest. IRA CDs not eligible.
Promotional rate · Effective Nov 18, 2024
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 - 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
Rate checked
More details - Gulf Coast Community Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 0.70%–4.25% by balance
Credit union · 4 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Early withdrawal penalty equal to one half of original term's projected dividend earnings (whether earned or not) with a 365-day maximum. No setup or maintenance fees. Rates subject to change at renewal.
Offer: This special rate is available for a limited time.
4.17% interest rate · Effective May 5, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 4.25% $100,000 and up 0.70% Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Fixed-term share certificate. Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: Minimum deposit $500. Early withdrawal subject to penalty.
Effective Oct 20, 2026
Rate checked
More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 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 Mississippi
568 CDs at 63 banks and credit unions · checked Oct 15–22
- Typical
- 2.02%
- Top 10% from
- 4.00%
- Banks, typical
- 1.25%
- Credit unions, typical
- 2.75%
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Find your bank or credit union to see all its rates and how they compare near you.
Mississippi
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Triangle Federal Credit UnionCredit union · 5 branches
- New Orleans Firemen's Federal Credit UnionCredit union · 1 branch
- RiverLand Federal Credit UnionCredit union · 2 branches