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 346–360 results
- Wray State BankWindsor State Bank Certificate of DepositCD · 24 months · $200 min · 4.49%–4.60% by balance
Bank · Add a location to see nearby branches
4.49%APY$918 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.
Rate by balance
Rate by balance for Windsor State Bank Certificate of Deposit Balance APY $200 and upYour amount 4.49% $50,000 and up 4.60% Rate checked
More details - First Choice Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.98%–4.75% by balance
Credit union · Add a location to see nearby branches
4.49%APY$2,456 over 60 months on $10,000Requirements
Product: Federally insured by NCUA. Minimum balance to open is $1,000. Early withdrawal penalty is 180 days interest. Rates are fixed for the full term.
Offer: Early withdrawal penalty: 180 days interest. Fixed rate.
3.92% interest rate · Effective Nov 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.98% $5,000 and upYour amount 4.49% $75,000 and up 4.75% Rate checked
More details - DeWitt Savings BankCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.48%APY$110 over 3 months on $10,000Requirements
Product: Fixed-rate, fixed-term CDs under $100,000; rates not for public entities; amounts of $100,000 or greater require calling for rates; applicants must be over 18 and reside in Illinois.
Offer: Less than $100,000; min balance to earn APY $1,000.
4.41% interest rate · Effective Oct 6, 2026
Rate checked
More details - SouthEast BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.48%APY$448 over 1 year on $10,000with conditionsRequirements
Product: Available online or in-branch. FDIC insured up to $250,000 per depositor. Promotional CD rates are valid during the initial term and do not apply to renewals. Early withdrawal penalty applies. Promotional CDs are not eligible for interest checks. Active Thrive Checking account holders can receive a 0.10% (10 basis points) rate increase.
Offer: Relationship offer for Active Thrive Checking account holders (ages 60+ with one direct deposit and one debit in past 60 days): 0.10% (10 basis points) interest rate bump on CD specials. Applied to 12-Month CD Special base interest rate of 4.28% for newly opened or renewing CDs. Limited-time promotional offer. Early withdrawal penalty applies.
Qualified rate · 4.38% interest rate · Effective Sep 24, 2026
Rate checked
More details - Northland Area FCUCompounding CertificatesCD · 13 months · $500 min
Credit union · Add a location to see nearby branches
4.48%APY$486 over 13 months on $10,000Requirements
Product: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
4.40% interest rate · Compounded quarterly · Effective Oct 22, 2026
Rate checked
More details - DEVILS SLIDEShare Certificates (CDs)CD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.48%APY$916 over 24 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty may apply. Certificates automatically renew at maturity.
Offer: Assuming dividends remain on deposit for the full term.
4.40% interest rate · Effective Oct 2, 2026
Rate checked
More details - Everwise Credit UnionShare Certificate SpecialsCD · 15 months · $500 min
Credit union · Add a location to see nearby branches
4.47%APY$562 over 15 months on $10,000intro rateRequirements
Product: Must be an Everwise member ($5 initial Share deposit required). Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Offer: Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500.
Promotional rate · 4.38% interest rate · Effective Oct 1, 2026
Rate checked
More details - Library of Congress Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.47%APY$2,444 over 60 months on $10,000Requirements
Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.
Offer: Compounded quarterly
4.40% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - TLC Community Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.47%APY$2,444 over 60 months on $10,000with conditionsRequirements
Product: 365 day penalty for early withdrawal. $1,000 minimum deposit to open and earn the stated APY.
Offer: Platinum Member Special. Requires TLC Platinum Membership (using 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit).
Qualified rate · 4.40% interest rate · Effective Sep 24, 2026
Rate checked
More details - HEFCUShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.47%APY$447 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.
4.38% interest rate · Effective Sep 18, 2026
Rate checked
More details - Climate First Bank12-Month Penalty-Free CDCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.46%APY$446 over 1 year on $10,000Requirements
Product: No penalty for early withdrawals. No additional deposits allowed. Account automatically renews for the same term unless funds are withdrawn or other instructions given within 10 days after maturity. Withdrawals may reduce earnings. Offer may be modified, suspended, or terminated at any time and for any reason without notice.
Offer: Minimum deposit and daily balance required to open and obtain the stated APY is $500.00 ($1,000 for Business CD). No additional deposits are allowed. No penalty for early withdrawals. Withdrawals may reduce earnings. Rate in effect for the term of the CD (12 months).
4.36% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cornhusker BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.46%APY$1,907 over 48 months on $10,000Requirements
Product: *The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. The withdrawal of interest before maturity will reduce earnings and may reduce the APY. A penalty will be imposed for an early withdrawal. Visit a Cornhusker Bank location to open all additional CD terms.
Rate checked
More details - KCCUCertificate SpecialsCD · 5 months · $500 min · 4.45%–4.55% by balance
Credit union · Add a location to see nearby branches
4.45%APY$183 over 5 months on $10,000intro rateRequirements
Product: Limited time offer. Membership Required. Certificate bonus is only available on new certificates. Advertised rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. Penalty may apply for early withdrawal. At maturity the 5-month certificate term and 14-month certificate term will renew at a 12-month term at then current rate.
Offer: Advertised APY as high as 4.45% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; standard APY is 4.20% on balances $500.00 - $49,999.99.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Specials Balance APY $500 – $50,000Your amount 4.45% $50,000 and upAdvertised APY as high as 4.55% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; 4.55% Rate checked
More details - Evermore BankWe Got Your Back CDCD · 5–15 months · $10,000 min
Bank · Add a location to see nearby branches
4.45%APYwith conditionsRequirements
Product: No withdrawal penalty.
Offer: No withdrawal penalty.
Qualified rate · 4.36% interest rate
Rate checked
More details - Premier Credit Union7 Month CD SpecialCD · 7 months · $2,000 min
Credit union · Add a location to see nearby branches
4.45%APY$257 over 7 months on $10,000intro rateRequirements
Product: Limited-time special. Requires minimum opening deposit of $2,000 in new money (funds not currently or within prior 30 days on deposit with Premier Credit Union). Dividends calculated using Daily Balance method, credited and compounded quarterly. Automatic renewals unless notified within 10-day grace period. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account required.
Offer: Requires a minimum opening deposit of $2,000 in new money. New money means funds not currently, or within the prior 30 days, on deposit with Premier Credit Union; transfers from existing Premier accounts do not qualify. Dividends calculated using Daily Balance method, credit and compound quarterly. Renewals are automatic unless notified within a 10-day grace period. Early withdrawal penalties may be imposed.
Promotional rate · 4.38% interest rate · Compounded quarterly · Effective Oct 9, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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