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 436–450 results
- ACCESSbankCertificate of DepositCD · 11 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$403 over 11 months on $10,000intro rateRequirements
Product: Interest paid quarterly and at maturity. Early withdrawal penalty may apply. Automatic rollovers and reminders before maturity provided.
Offer: Special rate. Applies to new money. Interest paid quarterly and at maturity.
Promotional rate · 4.33% interest rate
Rate checked
More details - Marcus by Goldman SachsHigh-Yield CDCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.
Offer: $500 minimum to open and earn stated APY.
Effective Oct 23, 2026
Rate checked
More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 19, 2026.
Offer: Minimum average daily balance to earn APY is $500.
4.33% interest rate · Effective Oct 19, 2026
Rate checked
More details - First National Bank of PanaCD SpecialCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Call or stop in for full details. Special terms available: 6, 12, 18, 24, 30, and 36 months. Min deposit $1000.
Offer: Annual Percentage Yield of 4.40% for 12 Months. Min deposit $1000.
Rate checked
More details - CSD Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal.
4.33% interest rate · Effective Oct 9, 2026
Rate checked
More details - FinWise BankCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: FDIC insured up to $250,000. Early withdrawal penalty of 90-day loss of interest. Automatic renewal at maturity with a 10-day grace period. Fixed rate.
Offer: Assumes interest and principal remain on deposit until maturity. Early withdrawal penalty of 90-day loss of interest.
Rate checked
More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.
Balance cap $250,000 · Effective Oct 12, 2026
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More details - Northeast BankCertificates of DepositCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000intro rateRequirements
Product: Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money (not on deposit with Northeast Bank). Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: 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.
Promotional rate · 4.31% interest rate · Effective Oct 14, 2026
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More details - Planites Credit UnionInvestment CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,0004.33% interest rate · Effective Oct 1, 2026
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More details - Landmark Credit UnionCertificate AccountCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Personal accounts only. Minimum balance to open is $500. Early certificate withdrawal penalties apply (90 days of dividends for terms under 1 year; 180 days of dividends for all other terms). Financial institutions and public funds are ineligible.
Offer: Personal accounts only. Penalty for early withdrawal.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - Congressional Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000intro rateRequirements
Product: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
Offer: Special Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal.
Promotional rate · Effective Aug 3, 2026
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More details - Vida Federal Credit Union13 Month Certificate Special (New Money)CD · 13 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$478 over 13 months on $10,000intro rateRequirements
Product: 13-month special: new money only. At least 50% of the balance, or a minimum of $10,000, must come from another institution or as a cash deposit. Early withdrawal penalty 90 days. Dividend rate 4.31%. Automatically renews to then-current 12-month certificate at maturity.
Offer: New money only. At least 50% of the balance, or a minimum of $10,000, must come from another institution or as a cash deposit. Early withdrawal penalty 90 days. Dividend rate 4.31%.
Promotional rate · 4.31% interest rate · Effective Oct 21, 2026
Rate checked
More details - Prime Financial Credit Union13-Month Certificate SpecialCD · 13 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$478 over 13 months on $10,000intro rateRequirements
Product: New funds only. Membership eligibility required. Fixed for the 13-month term. Early withdrawal penalty equal to 90 days' dividends. Additional deposits not allowed. Automatically renews for a 12-month term at maturity with a 10-day grace period.
Offer: New funds only. 90 days' dividends early withdrawal penalty. Renews into 12-month term.
Promotional rate · 4.41% interest rate · Effective Aug 17, 2026
Rate checked
More details - Associated BankStandard Term CDCD · 13 months · $5,000 min
Bank · Add a location to see nearby branches
4.40%APY$478 over 13 months on $10,000Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 22, 2026.
4.33% interest rate · Effective Oct 22, 2026
Rate checked
More details - Northland Area FCUNon-Compounding CertificatesCD · 13 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$478 over 13 months on $10,000Requirements
Product: These certificates do not compound. Penalty may be imposed for early withdrawal.
4.40% interest 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
37,731 CDs at 4,647 banks and credit unions · checked Oct 22–24
- Typical
- 3.20%
- Top 10% from
- 4.08%
- 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