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 136–150 results
- Educational Systems Federal Credit UnionCertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.60%APY$698 over 18 months on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Star Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
Promotional rate · 4.52% interest rate · Effective Oct 19, 2026
Rate checked
More details - FirstBankCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$941 over 24 months on $10,000Requirements
Product: Available only in Florida. Member FDIC. FirstBank Florida is a division of FirstBank Puerto Rico. Early withdrawal penalties may apply. Fees may reduce earnings.
Effective Oct 8, 2026
Rate checked
More details - HSBC USANew Money Certificate of Deposit (CD)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$941 over 24 months on $10,000with conditionsRequirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - HSBC Trust Company (Delaware)New Money CDsCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$941 over 24 months on $10,000Requirements
Offer: Minimum balance to obtain APY is more than $0. Opening online requires minimum balance of $1,000.
Rate checked
More details - SSB Community BankCertificate of DepositCD · 26 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$1,023 over 26 months on $10,000intro rateRequirements
Offer: Special
Promotional rate · 4.51% interest rate · Effective Oct 7, 2026
Rate checked
More details - First Federal Savings of LorainCD SpecialsCD · 35 months · $250 min
Bank · Add a location to see nearby branches
4.60%APY$1,402 over 35 months on $10,000with conditionsRequirements
Product: Limited time offer. Minimum opening deposit is $250; minimum daily balance of $250 required to obtain APY. Compounded quarterly and at end of term. Early withdrawal penalty may apply. Rollover terms apply if no action is taken at maturity.
Offer: Requires Flagship Checking Account (.25% interest rate bump). Flagship checking account must remain open for 6 months or an early account closing fee of $25 applies. Trust, Estate, specialty titled accounts, and employees excluded.
Qualified rate · 4.53% interest rate · Compounded quarterly · Effective Sep 4, 2026
Rate checked
More details - 4.60%APY$2,475 over 59 months on $10,000intro rate
Requirements
Product: Offer good for initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD specials, that is closest but not exceeding the term to the CD. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily. Penalty may be imposed to early withdrawal. Fees could reduce earnings on the account. Product offering may be withdrawn at any time. Advertised rate and APY are offered at the bank’s discretion and may change daily. The minimum balance to open an account and obtain the Annual Percentage Yield (APY) shown is $500.
Promotional rate · 4.50% interest rate · Compounded daily
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 2026
Rate checked
More details - Honda Federal Credit UnionSavings CertificateCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
4.60%APY$2,522 over 60 months on $10,000Requirements
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
Rate checked
More details - Serve Credit UnionCertificate of DepositCD · 60 months · $1,000 min · 4.60%–4.80% by balance
Credit union · Add a location to see nearby branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 4.60% $50,000 – $100,000 4.70% $100,000 and up 4.80% Rate checked
More details - Blaze Credit UnionPremium CertificateCD · 72 months · $10,000 min
Credit union · Add a location to see nearby branches
4.60%APY$3,098 over 72 months on $10,000Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.52% interest rate · Effective Sep 28, 2026
Rate checked
More details - Midwest Family Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
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
Rate checked
More details - CDC Federal Credit UnionRewards CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.59%APY$459 over 1 year on $10,000with conditionsRequirements
Product: Rate depends on certificate term, length of membership tenure, and having an active checking account. Early withdrawal penalty may apply. $1,000 minimum balance to open account.
Offer: Tenure 20+ Yrs; Active Checking: Yes
Qualified rate · 4.50% interest rate
Rate checked
More details - Sunrise Family Credit UnionCertificate AccountCD · 13 months · $1,000 min
Credit union · Add a location to see nearby branches
4.59%APY$498 over 13 months on $10,000intro rateRequirements
Product: Automatically renews on maturity date for current rate and term (except specials which are non-renewable). Statement cycle is quarterly (Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec). Additional deposits permitted during term ($250 for 3 months, $500 for 6 months or more). Early withdrawal penalty: 90 days for 1 year or less, 180 days for 1 year or more. CD specials require new money only.
Offer: 13 Month SPECIAL. New money only. $1,000 minimum deposit. Non-renewable. Early withdrawal penalty 180 days for 1 year or more.
Promotional rate · 4.50% interest rate · Effective Oct 15, 2026
Rate checked
More details - NESC Federal Credit UnionCertificate AccountCD · 15 months · $500 min
Credit union · Add a location to see nearby branches
4.59%APY$577 over 15 months on $10,000Requirements
Product: Rates available exclusively to NESC Credit Union members. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Maintain minimum average daily balance to earn disclosed APY. At maturity, automatically renews as a 12-month Certificate at the then-current rate. Early withdrawal penalty applies.
4.50% interest rate · Effective Sep 22, 2026
Rate checked
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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 nationwide
37,729 CDs at 4,654 banks and credit unions · checked Oct 15–22
- Typical
- 3.19%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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- Synchrony BankBank