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 196–210 results
- SECNY Federal Credit UnionCertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly, or at maturity for 30 Day & 3 Month certificates. Automatically renews with a 10-day grace period. Substantial penalty for early withdrawal.
Offer: Fall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Account # 34.
4.41% interest rate · Effective Oct 8, 2026
Rate checked
More details - First Atlantic Federal Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000intro rateRequirements
Product: Early withdrawal penalties may apply. Fees could reduce earnings. $500 minimum balance required to earn dividends. Terms range from 3 months to 5 years. Compounded and paid monthly. Rollover with grace period available at maturity.
Offer: Grand Opening 6-Month Promo: APY is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union. Transfers from existing First Atlantic accounts do not apply. CD will automatically renew at maturity to the same term at the non-promotional rate and APY in effect at renewal.
Promotional rate · 4.41% interest rate · Effective Oct 15, 2026
Rate checked
More details - IU Credit UnionTerm CertificatesCD · 6 months · $2,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
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
Rate checked
More details - Louisville Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Minimum deposit: $1,000. Interest compounded & paid quarterly. Transfer any amount $1,000 or over from your Shares to a CD. Rates subject to change without notice.
Effective Jul 1, 2026
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More details - 5 Star CCUShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Dividends Compounded – At Maturity; Dividends Credited – At Maturity; Dividend Period – Account’s Term
Effective Aug 21, 2026
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More details - Ko’olau FCUShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Ko'olau FCU membership required. Dividends compounded and credited quarterly. Average daily balance method used to calculate dividends. Early withdrawal penalty applies.
Offer: Minimum balance to earn APY is $1,000.00.
4.43% interest rate · Effective Oct 1, 2024
Rate checked
More details - Security Bank of Southwest MissouriCertificate of DepositCD · 7 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$260 over 7 months on $10,000Requirements
Offer: $1,000.00 minimum deposit. Substantial penalty for early withdrawal.
4.43% interest rate
Rate checked
More details - StonehamBankCertificate of Deposit (CD)CD · 7 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$260 over 7 months on $10,000Requirements
Product: Penalties may be imposed on early withdrawals. Fees may reduce earnings. Deposits are fully insured by FDIC and DIF. Rates are subject to change without notice.
Offer: Special CD term.
4.41% interest rate · Effective Oct 22, 2026
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More details - AERO FinancialShare Certificate (CD)CD · 7 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$260 over 7 months on $10,000intro rateRequirements
Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
Offer: 7 Month Special. Does not apply to Traditional and Roth IRA Certificates. Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.
Promotional rate · 4.41% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cardinal Credit Union7-Month CD SpecialCD · 7 months · $5,000 min
Credit union · Add a location to see nearby branches
4.50%APY$260 over 7 months on $10,000intro rateRequirements
Product: 7-Month CD Special. $5,000 minimum deposit.
Promotional rate
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More details - TEN Credit UnionShare CertificateCD · 7 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$260 over 7 months on $10,000Requirements
Product: Membership with Ten Credit Union required. Funds federally insured by NCUA up to $250,000. Early withdrawal penalties may apply. Automatically renews at maturity at current rate unless indicated otherwise. Withdrawal of dividends before maturity will reduce earnings.
Offer: Dividends credited/paid monthly.
Effective Jan 1, 2026
Rate checked
More details - Coastal States BankCertificate of DepositCD · 7 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$260 over 7 months on $10,000intro rateRequirements
Product: Interest rate guaranteed for entire term. Early withdrawal penalties may apply. Auto-renews at maturity.
Offer: Special promotional rate. Minimum balance to open and obtain APY is $1,000. Valid for new clients or existing clients with a minimum of $25,000 in new money. Penalty for early withdrawal will reduce earnings.
Promotional rate · Effective Sep 24, 2026
Rate checked
More details - iQ Credit UnionCertificatesCD · 7 months · $0 min
Credit union · Add a location to see nearby branches
4.50%APY$260 over 7 months on $10,000with conditionsRequirements
Product: Rates may change at any time after account opening. Early withdrawal penalty may apply. Eligible for Member Perks bump upon qualification and request at CD opening (must have savings and checking with debit card, eStatements, and Easy Saver). No minimum deposit to open.
Offer: 7-Month CD Special with Member Perks rate bump. At maturity, promotional certificate will mature into a 6-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts; new memberships funded entirely from outside iQ. Requires savings and checking account with active debit card, enrollment in eStatements and Easy Saver program.
Qualified rate · 4.43% interest rate · Effective Sep 9, 2026
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More details - Resound Credit UnionPersonal CertificatesCD · 8 months · $10,000 min
Credit union · Add a location to see nearby branches
4.50%APY$298 over 8 months on $10,000Requirements
Product: Membership is limited. Early withdrawal penalty may apply. Promotional certificates and terms of 3 and 6 months compound at maturity; terms of 12, 18, 24, 36, and 48 months compound semi-annually.
Offer: Dividends earned at maturity. Early withdrawal penalty applies (equal to the dividends that would have been earned over entire term). Open instantly online or visit a branch; available for new money and money already on deposit.
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More details - Elements FinancialShare CertificatesCD · 8 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$298 over 8 months on $10,000Requirements
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
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