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 511–525 results
- Central BankCD Management AccountCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.38%APY$438 over 1 year on $10,000Requirements
Product: Variable rate. Renews for the exact term originally purchased at the current interest rate for the one year CD. Early withdrawal penalty applies.
Offer: Variable rate. 1 year term.
4.29% interest rate · Effective Oct 14, 2026
Rate checked
More details - Horizon Credit Union12 Month CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.38%APY$438 over 1 year on $10,000Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
4.30% interest rate · Effective Sep 28, 2026
Rate checked
More details - Labor Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.37%APY$437 over 1 year on $10,000intro rateRequirements
Product: Dividend payment postings for Share Certificates are paid on the last day of each quarter. Transaction grace period of 10 days from renewal date. Early withdrawal penalty may be imposed.
Offer: Paycheck Certificate Promo.
Promotional rate · 4.30% interest rate
Rate checked
More details - Brainerd BN Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.37%APY$663 over 18 months on $10,000Requirements
Product: All accounts provided by BBNCU are insured with the NCUA up to $250,000. $1,000.00 minimum opening deposit. Dividends are posted quarterly. Additional deposits are not allowed (except at maturity). Withdrawals are allowed only at maturity. Automatic renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Dividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal.
4.30% interest rate
Rate checked
More details - Unity Catholic FCUTerm Share CertificatesCD · 25 months · $500 min
Credit union · Add a location to see nearby branches
4.37%APY$932 over 25 months on $10,000Requirements
Offer: Special Term Share
4.30% interest rate · Effective Oct 23, 2026
Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 36 months
Bank · Add a location to see nearby branches
4.37%APY$1,369 over 36 months on $10,000Requirements
Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Penalty with early withdrawal.
4.30% interest rate · Effective Jun 22, 2026
Rate checked
More details - Extra Credit UnionFixed-Rate CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.37%APY$2,384 over 60 months on $10,000Requirements
Product: Extra Credit Union membership required with a minimum deposit of $5 in a regular savings account. No monthly fees. Early withdrawal penalty may apply; 10-day grace period after maturity for auto-renewing certificates.
Offer: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates.
4.30% interest rate · Compounded quarterly · Effective Oct 16, 2026
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More details - San Juan Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.37%APY$2,384 over 60 months on $10,0004.30% interest rate · Effective Sep 30, 2026
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More details - San Juan Credit UnionGrowth CertificateCD · 60 months · $10 min
Credit union · Add a location to see nearby branches
4.37%APY$2,384 over 60 months on $10,0004.30% interest rate · Effective Sep 30, 2026
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More details - WebBankCertificates of DepositCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.36%APY$436 over 1 year on $10,000Requirements
Product: No monthly fee. Interest compounded daily.
Offer: APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Compounded daily · Effective Sep 24, 2026
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More details - Frick Financial Federal Credit UnionCertificateCD · 13 months · $1,000 min
Credit union · Add a location to see nearby branches
4.36%APY$473 over 13 months on $10,000intro rateRequirements
Product: Credit Union membership required. Applicants must qualify by living, working, worshipping or attending school in Fayette, Washington, Greene or Westmoreland County.
Offer: Limited time special. Maximum deposit $250,000.
Promotional rate · 4.28% interest rate · Balance cap $250,000
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More details - New Century Federal Credit UnionCertificates of DepositCD · 13 months · $1,000 min
Credit union · Add a location to see nearby branches
4.36%APY$473 over 13 months on $10,000intro rateRequirements
Product: Share certificates; $1,000 minimum deposit. Dividends paid quarterly and at maturity. Must maintain the $1,000 minimum average daily balance to obtain the disclosed APY. Early withdrawal penalty may be imposed and may reduce principal (30 days dividends for 6-month; 90 days for 1-year; 180 days for 2–5 year). One month prior to maturity, notice is given to withdraw or roll over.
Offer: 13 month Special. APY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.36%APY$661 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Interest compounded and credited monthly. Early withdrawal penalty is 4% of principal. One account per customer.
Promotional rate · 4.28% interest rate · Balance cap $500,000
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More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.36%APY$891 over 24 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.35% interest rate · Compounded daily · Effective Jan 25, 2024
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More details - Beacon Credit UnionLimited Time Special Share CertificateCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
4.35%APY$215 over 6 months on $10,000intro rateRequirements
Product: $5 membership share required to qualify for Beacon products. Promotional certificates; limited time offer. Dividends compounded monthly.
Offer: Promotional certificate rate valid on new money only. Rates do not apply to IRA certificates. For 6 months promotional share certificates, early withdrawal penalty is 90 days of dividend whether earned or not. No monthly maintenance fees.
Promotional rate · 4.27% interest rate · Compounded monthly
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