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 151–165 results
- 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
More details - First National Bank in OlneyCertificates of DepositCD · 23 months · $500 min
Bank · Add a location to see nearby branches
4.59%APY$898 over 23 months on $10,000Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
4.50% interest rate · Effective Sep 15, 2026
Rate checked
More details - Ridgewood Savings Bank2-Year Treasury Indexed CDCD · 24 months · $100 min
Bank · Add a location to see nearby branches
4.59%APY$939 over 24 months on $10,000Requirements
Product: Adjustable/variable yield account with no cap and a 0.25% floor. Yield is based on the 2-Year U.S. Treasury Rate on quarterly dates (March 1, June 1, September 1, December 1 or next business day) plus 0.25%. Maximum individual deposit of $500,000. Upon maturity rolls over into a regular 2-year fixed-rate CD. Available for consumers only.
Offer: Variable yield based on the quarterly 2-year U.S. Treasury rate (yielding 4.34% as of August 31, 2026) plus 0.25%. No cap, 0.25% floor. Maximum individual deposit $500,000.
4.43% interest rate · Balance cap $500,000
Rate checked
More details - Putnam County State BankCertificates of DepositCD · 60 months · $500 min · 3.66%–4.70% by balance
Bank · Add a location to see nearby branches
4.59%APY$2,516 over 60 months on $10,000Requirements
Product: Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
3.60% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 3.66% $10,000 – $100,000Your amount 4.59% $100,000 and up 4.70% Rate checked
More details - Austin Capital BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.58%APY$113 over 3 months on $10,000Requirements
Product: Offered to residents of greater Austin. CDs available with maturities up to 18 months. Early withdrawal penalty applies for CDs not held to maturity.
Offer: Assumes no compounding, interest paid annually or at maturity. Early withdrawal penalty applies.
4.50% interest rate · Effective Sep 28, 2026
Rate checked
More details - Belton Federal Credit UnionCDCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$458 over 1 year on $10,000Balance cap $20,000
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More details - Davis TrustCertificates of DepositCD · 25 months · $10,000 min
Bank · Add a location to see nearby branches
4.58%APY$978 over 25 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Substantial penalty for early withdrawal.
4.50% interest rate · Effective Oct 22, 2026
Rate checked
More details - 1st MidAmerica Credit UnionShare CertificatesCD · 35 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$1,395 over 35 months on $10,000intro rateRequirements
Product: Early withdrawal on share certificates may affect dividends earned.
Offer: 35 Month *Special*
Promotional rate · 4.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - Educational Community Alliance CUShare CertificateCD · 48 months
Credit union · Add a location to see nearby branches
4.58%APY$1,962 over 48 months on $10,000Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.50% interest rate · Effective Dec 31, 2024
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
37,753 CDs at 4,650 banks and credit unions · checked Oct 16–23
- Typical
- 3.20%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.29%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank