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 16–30 results
- POCU of MarylandHigh Rate CDsCD · 9 months · $500 min
Credit union · Add a location to see nearby branches
5.12%APY$382 over 9 months on $10,000intro rateRequirements
Product: POCUMD membership is required to open a Certificate of Deposit. Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. Withdrawal of funds before maturity date incurs early withdrawal penalty. Single term only; accounts will not automatically renew at maturity and will not pay dividends after maturity. Insured up to $250,000.
Offer: Limited time only.
Promotional rate · 5.00% interest rate
Rate checked
More details - Kirtland Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
5.12%APY$778 over 18 months on $10,000Requirements
Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.
Offer: Limited-time offer. See kirtlandcu.org/18 and kirtlandcu.org/30 for complete details.
5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northern New Mexico School Employees Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
5.12%APY$1,050 over 24 months on $10,000intro rateRequirements
Offer: SPECIAL RATE
Promotional rate · 5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Whiting Refinery Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
5.12%APY$2,836 over 60 months on $10,000Requirements
Product: Rates subject to change at any time. Certain limitations may apply. Subject to early penalty withdrawal.
5.00% interest rate
Rate checked
More details - Fremont Federal Credit UnionShare CertificatesCD · 84 months · $1,000 min
Credit union · Add a location to see nearby branches
5.10%APY$4,165 over 84 months on $10,000Requirements
Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.
Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.
4.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - Dakota Community Bank & TrustCD SpecialsCD · 89 months · $2,500 min
Bank · Add a location to see nearby branches
5.10%APY$4,462 over 89 months on $10,000Requirements
Product: CD interest payments available via Auto Transfer or electronic deposit. For 9 month CD: interest is not compounded, credited at maturity. For 18, 27, 39, 54, 69, 78, 89 month CDs: interest is compounded and credited annually. Early withdrawal penalty may apply.
Offer: Interest compounded annually and credited annually.
5.10% interest rate · Compounded annually · Effective Oct 15, 2026
Rate checked
More details - De Soto Mo Pac Credit UnionCertificate of DepositCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
5.09%APY$509 over 1 year on $10,000Requirements
Product: Dividends are paid quarterly and deposited to certificate. 90-day early withdrawal penalty, 10-day grace period at end of contract. Dividends are paid on entire balance if minimum balance is met. Subject to change quarterly.
Offer: 1 year term. Dividends paid quarterly and deposited to certificate. 90-day penalty for early withdrawal; 10-day grace period at end of contract. Dividends paid on entire balance if minimum balance is met.
5.00% interest rate · Balance cap $100,000
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More details - Wray State BankBrush State Bank Personal Certificate of DepositCD · 24 months · $200 min · 5.09%–5.20% by balance
Bank · Add a location to see nearby branches
5.09%APY$1,044 over 24 months on $10,000Requirements
Product: Interest compounded quarterly and credited quarterly. APY assumes interest remains on deposit until maturity. Automatically renews at maturity. Early withdrawal penalty may apply. Deposits allowed at the sole discretion of the bank.
Compounded quarterly · Effective Sep 14, 2026
Rate by balance
Rate by balance for Brush State Bank Personal Certificate of Deposit Balance APY $200 and upYour amount 5.09% $50,000 and up 5.20% Rate checked
More details - Wray State BankWray State Bank Personal Certificate of DepositCD · 24 months · $200 min · 5.09%–5.20% by balance
Bank · Add a location to see nearby branches
5.09%APY$1,044 over 24 months on $10,000Requirements
Product: Automatically renews at maturity. Early withdrawal penalty may apply. Speak to a banker for details, fees and terms.
Effective Sep 14, 2026
Rate by balance
Rate by balance for Wray State Bank Personal Certificate of Deposit Balance APY $200 and upYour amount 5.09% $50,000 and up 5.20% Rate checked
More details - Mid Minnesota Federal Credit UnionFast Forward CertificateCD · 36 months · $10 min
Credit union · Add a location to see nearby branches
5.09%APY$1,606 over 36 months on $10,000Requirements
Product: Start certificate with as little as $10 or as much as $500, with a commitment to deposit $10 to $500 per month for the remainder of term. Must make minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.
Offer: $10 minimum at 36 months and requires a monthly deposit between $10 & $500. Must make a minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.
Effective Oct 1, 2026
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More details - Community National Bank60 Month CDCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
5.09%APY$2,818 over 60 months on $10,000Effective Oct 2, 2026
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More details - Grant County State BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
5.09%APY$2,818 over 60 months on $10,000Requirements
Product: A substantial penalty may be imposed for early withdrawal. Rates are subject to change without notice. Fees may reduce earnings.
5.00% interest rate · Effective Sep 29, 2026
Rate checked
More details - Scott Associates Credit Union IncShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
5.06%APY$2,802 over 60 months on $10,000Requirements
Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.
Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.
4.95% interest rate
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More details - Community First Credit UnionCertificatesCD · 5 months · $5,000 min
Credit union · Add a location to see nearby branches
5.05%APY$207 over 5 months on $10,000Requirements
Product: Penalty for early withdrawal on Certificates.
Offer: CD Special: Pick Your Term - Choose from 5, 10, or 15 Months Term. Penalty for early withdrawal on Certificates.
4.94% interest rate · Effective Oct 15, 2026
Rate checked
More details - Freedom NorthwestCertificates of DepositCD · 23 months
Credit union · Add a location to see nearby branches
5.03%APY$986 over 23 months on $10,000intro rateRequirements
Product: Membership and CD minimum requirements apply. $5.00 Membership Account is required. Consumer rates only, not available for institutional CDs.
Offer: 23-Month CD. Membership and CD minimum requirements apply.
Promotional rate · Effective Oct 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