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 166–180 results
- State Savings BankCertificate of DepositCD · 55 months · $2,000 min · 4.37%–4.58% by balance
Bank · Add a location to see nearby branches
4.58%APY$2,278 over 55 months on $10,000Requirements
Product: Deposit accounts are only available to residents of Iowa in Polk, Jasper, and surrounding counties. Substantial penalty for early withdrawal. Interest compounds quarterly. CD Rate Advantage: Once during the term, you may exchange your interest rate for the current 48-month CD rate. The new rate will equal the rate of the applicable tier based on your CD balance.
Offer: 55 Month Special Flex
4.50% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,000 – $245,000Your amount 4.58% Over $245,000 4.37% Rate checked
More details - Citizens National BankCertificates of DepositCD · 61 months · $2,500 min
Bank · Add a location to see nearby branches
4.58%APY$2,556 over 61 months on $10,000Requirements
Product: Rates may change without notice. Deposit Account Fee charged may affect the rate and annual percentage yield. Fees could reduce the earnings on the account.
Offer: CD Special
4.50% interest rate · Effective Oct 15, 2026
Rate checked
More details - Hometown Credit UnionShare CertificatesCD · 72 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$3,083 over 72 months on $10,000Requirements
Product: Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
Offer: Special offer. Early withdrawal penalty: 365 days dividends.
4.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - IRFCUTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$226 over 6 months on $10,000Requirements
Product: Interest is calculated on an average daily method and paid at maturity. Choose to have interest added to balance, transferred to another IRFCU account, or paid by check.
4.50% interest rate · Effective Oct 1, 2025
Rate checked
More details - De Soto Mo Pac Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.57%APY$457 over 1 year on $10,000Requirements
Offer: 1 year certificate rate stated as 4.50% APR - 4.57% APY.
4.50% interest rate
Rate checked
More details - The Community State Bank6 Month CDCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.55%APY$225 over 6 months on $10,000Requirements
Product: All interest-bearing accounts are calculated on the full amount of principal in the account each day. Rates are subject to change. A penalty may be imposed for early withdrawal, fees may reduce earnings on account.
4.50% interest rate · Effective Sep 29, 2026
Rate checked
More details - First Bank of the LakeCertificates of Deposit (CDs)CD · 7 months · $5,000 min
Bank · Add a location to see nearby branches
4.55%APY$263 over 7 months on $10,000Requirements
Product: Rates effective as of October 22, 2026. Opening deposits: $1,000 minimum (in-branch), $5,000 minimum (online). Max deposit $500,000 per account. FDIC insurance limited to legal maximum. Penalty may be imposed for early withdrawal. Fees could reduce earnings. No institutional funds in branch; no business or institutional funds online.
Offer: Online opening only.
Balance cap $500,000 · Effective Oct 22, 2026
Rate checked
More details - Northeast BankPropel Relationship CDsCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.55%APY$455 over 1 year on $10,000with conditionsRequirements
Product: Propel Relationship CD rates include an additional 0.15% APY and are only available when customer opens or already has a Propel Premier Checking Account and Propel Preferred Savings Account. Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money. Must be opened in a banking center. Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: Requires qualifying Propel Premier Checking and Propel Preferred Savings accounts. Must be opened in a banking center. A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Qualified rate · 4.46% interest rate · Effective Oct 14, 2026
Rate checked
More details - Topeka Firemen's Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.55%APY$455 over 1 year on $10,0004.47% interest rate · Effective Dec 15, 2025
Rate checked
More details - Hawaiian Financial Federal Credit UnionShare CertificatesCD · 13 months · $2,000 min
Credit union · Add a location to see nearby branches
4.55%APY$494 over 13 months on $10,000Requirements
Product: Penalty for early withdrawal/closure. Fees could reduce earnings. Regular share certificate rates are simple interest paid monthly. Membership eligibility applies.
Offer: Simple interest paid monthly. Penalty for early withdrawal/closure.
4.55% interest rate · Effective Oct 15, 2026
Rate checked
More details - Michigan Schools & Government Credit UnionCertificate of DepositCD · 15 months · $500 min
Credit union · Add a location to see nearby branches
4.55%APY$572 over 15 months on $10,000intro rateRequirements
Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.
Offer: The 15-month promotional CD is offered as of 7/1/2026 and is available for new money only. New money means funds that are not currently on deposit at MSGCU. This offer cannot be combined with current MSGCU deposit dollars, including rollovers from maturing MSGCU CDs. Funds are considered new money if received through cash, check, or wire transfer and CD is opened within five calendar days. Funds from an IRA direct transfer or rollover from another institution are also considered new money if deposited into the IRA share and CD opened within five calendar days. Funds withdrawn from MSGCU may not be returned and considered New Money within 90 calendar days of withdraw. Businesses, municipalities, and MSGCU team members are not eligible. Available in branches or when opening a new membership online. At maturity, renewed to a 1-year term CD.
Promotional rate · 4.48% interest rate
Rate checked
More details - Madison Fire Department Credit UnionShare CertificateCD · 16 months · $5,000 min
Credit union · Add a location to see nearby branches
4.55%APY$611 over 16 months on $10,000Requirements
Offer: 16 Month Special. Requires $5,000 minimum balance.
4.46% interest rate · Effective Sep 14, 2026
Rate checked
More details - Fox Communities Credit UnionCertificate SpecialCD · 22 months · $5,000 min
Credit union · Add a location to see nearby branches
4.55%APY$850 over 22 months on $10,000with conditionsRequirements
Product: For individual depositors. Specials may end at any time, without prior notice. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: With active checking account (a Fox Communities Credit Union checking account with a monthly direct deposit or two or more other deposits per month into the same Fox checking). Early withdrawal penalty: 365 Days.
Qualified rate · 4.47% interest rate · Effective Oct 22, 2026
Rate checked
More details - Global Bank NYPersonal Certificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.55%APY$931 over 24 months on $10,000Requirements
Product: Interest is compounded daily, payable monthly, and may be withdrawn at maturity. Fixed interest rates determined at the time of deposit for the specified term. Early withdrawal penalties may apply. Fees may reduce earnings.
4.45% interest rate · Compounded daily · Effective Sep 25, 2026
Rate checked
More details - Metro Credit UnionShare CertificatesCD · 25 months · $500 min
Credit union · Add a location to see nearby branches
4.55%APY$971 over 25 months on $10,000Requirements
Product: Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.
Offer: 25 Month Special. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends.
4.46% interest rate · Effective Oct 1, 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 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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- Synchrony BankBank