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 526–540 results
- Century Credit UnionCertificate of DepositCD · 7 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$251 over 7 months on $10,000with conditionsRequirements
Product: Without a Century checking account, subtract 0.10% APY. Early withdrawal penalties apply. Maximum deposit amounts may apply. Eligible for individuals who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
Offer: 7 Month Special up to 4.35 % Annual Percentage Yield. Withdrawal of funds prior to maturity is subject a penalty, reducing CD earnings. Paid quarterly (on anniversary date of CD) with choice of payment to your savings account or CD.
Qualified rate
Rate checked
More details - The Home Loan Savings BankCertificatesCD · 7 months · $5,000 min
Bank · Add a location to see nearby branches
4.35%APY$251 over 7 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Fees may reduce earnings. Rates are subject to change at any time.
Offer: 7 Month Certificate SPECIAL
Promotional rate · 4.26% interest rate · Effective Oct 20, 2026
Rate checked
More details - 4.35%APY$251 over 7 months on $10,000
Requirements
Product: Early withdrawal of funds prior to maturity may result in penalty. Fees could reduce earnings.
4.26% interest rate · Effective Oct 22, 2026
Rate checked
More details - Consumers Credit UnionCertificateCD · 7 months · $250 min
Credit union · Add a location to see nearby branches
4.35%APY$251 over 7 months on $10,000Requirements
Product: Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.
Offer: Promotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period.
4.26% interest rate · Effective Oct 7, 2026
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More details - Centra Credit UnionShare CertificatesCD · 8 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$288 over 8 months on $10,000Requirements
Product: Fixed-rate, fixed-term certificate account. Dividends can be deposited into a Member Loyalty Account.
Offer: 8 Month w/checking
4.27% interest rate
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More details - Affinity Federal Credit Union8-Month Promotional CertificateCD · 8 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$288 over 8 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 6-month term.
Offer: Balances of $500 or more. Renewal: 6-month term at prevailing rate.
Promotional rate · 4.26% interest rate · Effective Sep 25, 2026
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More details - Climate First Bank9-Month Penalty-Free CDCD · 9 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$325 over 9 months on $10,000intro rateRequirements
Product: No penalty for early withdrawals. No additional deposits allowed. The account matures in 9 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.
Offer: A minimum opening deposit of $500.00 ($1,000 for Business CD) is required and must be maintained daily to earn the disclosed APY. The interest rate will be in effect for 9 months and subject to change thereafter. No additional deposits allowed. No penalty for early withdrawals.
Promotional rate · 4.26% interest rate · Effective Oct 16, 2026
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More details - First Financial Federal Credit UnionCertificate Specials – ShareCD · 9 months · $5,000 min
Credit union · Add a location to see nearby branches
4.35%APY$325 over 9 months on $10,000intro rateRequirements
Product: Limited-time offers. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply. Special APY terminates when certificate renews or is closed.
Offer: New money required: opening funds must originate from a financial institution other than First Financial FCU within 30 days prior to share certificate origination. Automatically renews for 9-month terms unless directed to close or renew for another available term. Special APY terminates at renewal.
Promotional rate · 4.26% interest rate · Compounded daily · Effective Oct 2, 2026
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More details - SkyOne Federal Credit Union10-Month Flex Share CertificateCD · 10 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$361 over 10 months on $10,000intro rateRequirements
Product: Membership required. Limit one 10-Month Flex certificate per member. Requires new money from outside SkyOne. Starting day 7, allows penalty-free and fee-free daily withdrawals of up to 50% of start of daily balance as of 12:00 AM; withdrawals bringing balance below $1,000 terminate the account. Additional deposits permitted anytime prior to maturity. Renews automatically into standard 11-month Liquid Certificate at maturity.
Offer: New money only. Minimum opening balance and minimum balance to earn advertised APY is $1,000.
Promotional rate · 4.27% interest rate · Effective Oct 23, 2026
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More details - Veritas Federal Credit UnionCertificatesCD · 11 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$398 over 11 months on $10,000intro rateRequirements
Product: Minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
Offer: Certificate Special – New Money. Quarterly dividends. Early withdrawals are subject to penalty.
Promotional rate · Effective Oct 1, 2026
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More details - Seattle Credit UnionSpecial 11 Month New Money CDCD · 11 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$398 over 11 months on $10,000intro rateRequirements
Product: New Money is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. Business accounts are not eligible for the promotion. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria are not met when a certificate is opened. Early withdrawal penalty may apply. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
Offer: Requires $1,000 minimum deposit of new money not previously on deposit with the credit union over the past 30 days. Bump Option: n/a. Early withdrawal penalty applies.
Promotional rate · 4.26% interest rate · Effective Oct 9, 2026
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More details - UnitedOne Credit UnionShare CertificateCD · 11 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$398 over 11 months on $10,000Requirements
Product: Membership eligibility required. Dividends calculated daily and paid quarterly. 10-day grace period at maturity.
Offer: Special/promotional term; renews to a 1-year certificate.
4.28% interest rate · Effective Oct 5, 2026
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More details - Leominster Employees Federal Credit UnionShare Certificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$435 over 1 year on $10,000Requirements
Product: Membership eligibility required. Tier level determined by opening deposit, not subject to change prior to dividend posting. All Share Certificates post dividends at maturity.
Offer: Tier 1
4.35% interest rate · Effective Oct 22, 2026
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More details - Bank of LexingtonBank of Lexington CD SpecialsCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$435 over 1 year on $10,000intro rateRequirements
Product: $500 minimum to open. Interest is compounded daily. Early withdrawal penalties apply. Special CD rates effective for initial term only; automatically renews at base non-special rate in effect at maturity. Fees may reduce earnings.
Offer: Special CD rate effective for the initial term only. Automatically renews at the base non-special rate in effect at maturity for corresponding original term. Minimum opening deposit to open and maintain stated APY is $500.00. Interest compounded daily. Penalty for early withdrawal. Fees may reduce earnings.
Promotional rate · Compounded daily · Effective Oct 21, 2026
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More details - Colorado Federal BankCertificates of DepositCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.35%APY$435 over 1 year on $10,000Requirements
Product: Accounts available for individuals only. Online CD. No monthly maintenance fee, ACH fee or online Account fee.
Offer: Early withdrawal penalty equals 3 months' worth of interest.
4.26% interest rate · Effective Oct 15, 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
37,731 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