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 301–315 results
- Machias Savings BankMy MSB Certificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: To open online, must be at least 18 years old and a Maine resident or an existing customer. Penalty applies for early withdrawal. Rates accurate as of 10/13/2026.
Offer: Early withdrawal penalty: 365 days interest.
4.40% interest rate · Effective Oct 13, 2026
Rate checked
More details - Dirigo Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
4.41% interest rate · Effective Oct 1, 2026
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More details - Pittsford Federal Credit UnionCertificatesCD · 36 months · $50 min
Credit union · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Dividends compounded and credited monthly to regular share account. Early withdrawal penalty applies: lesser of dividends since issuance/renewal or 90 days dividends for terms under 24 months; lesser of dividends since issuance/renewal or 180 days dividends for terms 24 months or greater.
4.50% interest rate · Balance cap $89,999.99 · Effective Oct 7, 2026
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More details - AMOCO Federal Credit UnionCertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.
Offer: Early withdrawal penalty: 120 days’ dividends.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - Maine Family Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Penalty for early withdrawal: less than 24 months duration is 90 days dividends; 24 months or more duration is 180 days interest. Automatically renews with 7-day grace period. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
4.41% interest rate · Compounded monthly · Effective Sep 30, 2026
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More details - Community Savings BankCertificates of DepositCD · 36 months · $5,000 min
Bank · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
Offer: Special rate. Compounded daily. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate.
4.40% interest rate · Compounded daily · Effective Feb 18, 2025
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More details - Farmers & Merchants State Bank36 Month CDCD · 36 months · $1,000 min · 4.00%–4.50% by balance
Bank · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
4.00% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 36 Month CD Balance APY $1,000 and up 4.00% $10,000 and upYour amount 4.50% $100,000 and up 4.50% Rate checked
More details - La Capitol Federal Credit Union37-Month Share CertificateCD · 37 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$1,454 over 37 months on $10,000intro rateRequirements
Product: Membership required ($5.00 par share balance). Qualify to open a separate, high-yield Companion Savings Account earning 3.25% APY. Additional deposits not allowed during the term. Early withdrawal penalty may apply. At maturity, renews as a 1-year Thrifty Saver, Super Saver, or Mega Saver certificate based on balance.
Offer: APY up to 4.50%. Effective date 10/09/2026.
Promotional rate
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More details - Mid American Credit UnionSpecial Rate CertificateCD · 37 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$1,454 over 37 months on $10,000with conditionsRequirements
Product: Members can use new or current MACU funds. Penalty for early withdrawal may apply. Fees could reduce earnings. Dividends calculated daily and paid monthly. Not offered on CESA certificates.
Offer: Minimum deposit: $1,000. Maximum deposit: $1,000,000. Renews as a regular 36-month certificate. Not offered on CESA certificates or Youth certificates.
Qualified rate · Balance cap $1,000,000 · Effective Oct 5, 2026
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More details - Auburn University Credit UnionShare CertificatesCD · 42–47 months · $2,500 min · 4.50%–4.61% by balance
Credit union · Add a location to see nearby branches
4.50%APYintro rateRequirements
Product: Dividends accrue daily and are paid quarterly (or at maturity for short terms). Early withdrawal penalty: for less than 18 months, forfeiture of all dividends on amount withdrawn for 90 days; for greater than 18 months, forfeiture of all dividends on amount withdrawn for 180 days.
Offer: Compound Period: Quarterly
Promotional rate · 4.43% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and upYour amount 4.50% $100,000 and upJumbo Rate ($100,000+ Deposit); 4.61% Rate checked
More details - Cinfed Credit Union45 Month 450 CertificateCD · 45 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$1,795 over 45 months on $10,000intro rateRequirements
Product: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only.
Offer: $500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only.
Promotional rate · 4.41% interest rate
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More details - First National Bank of SteelevilleCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Guaranteed, fixed rates for the length of term. Minimum opening deposit varies based on term. A penalty may be imposed for early withdrawal.
Offer: 48 Month CD. A penalty may be imposed for early withdrawal.
Effective Oct 15, 2026
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 4.40%–4.60% by balance
Credit union · Add a location to see nearby branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 4.40% $10,000 – $24,999Your amount 4.50% $25,000 – $99,999 4.50% $100,000 – $250,000 4.55% Over $250,000 4.60% Rate checked
More details - Heartland Credit UnionCertificateCD · 48 months · $500 min · 4.50%–4.55% by balance
Credit union · Add a location to see nearby branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Minimum $500 opening deposit ($100 for youth accounts). Penalty for early withdrawal may reduce earnings. Rates accurate as of 9.24.2026.
Effective Sep 24, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $249,999Your amount 4.50% $250,000 and up 4.55% Rate checked
More details - Excel Federal Credit UnionShare Certificates/CDsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$1,925 over 48 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Membership open to individuals who live, work, worship, or attend school in Forsyth, Fulton, Gwinnett, and Hall counties, and their immediate family members. Fixed rates compounded quarterly.
Offer: Payroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield.
Qualified rate · 4.43% interest rate · Compounded quarterly · Effective Oct 16, 2026
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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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- Synchrony BankBank