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 601–615 results
- Elevate Credit UnionTraditional CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$1,363 over 36 months on $10,000Requirements
Product: $500 minimum opening deposit. Terms from 6 to 36 months. 18-month term features rate bump. Early withdrawal subject to dividend penalties.
Effective Sep 17, 2026
Rate checked
More details - New Heights Federal Credit UnionShare Certificate of DepositCD · 36 months · $5,000 min
Credit union · Add a location to see nearby branches
4.35%APY$1,363 over 36 months on $10,000intro rateRequirements
Offer: Promo Rate ($5,000 Min. New Deposit)
Promotional rate · Effective Jun 17, 2025
Rate checked
More details - Kemba Credit UnionCertificatesCD · 40 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$1,525 over 40 months on $10,000intro rateRequirements
Product: Fixed rate certificates with terms from 3 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: 40 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty.
Promotional rate · 4.26% interest rate · Effective Sep 24, 2026
Rate checked
More details - Fairmont Federal Credit UnionShare CertificatesCD · 48 months · $1,500 min · 4.35%–4.55% by balance
Credit union · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,000Requirements
Product: Fixed rates throughout length of term. Dividends earned may be: Deposited into another account Compounded monthly back into the certificate Dividend-only penalty for early withdrawal Auto-renewed unless specified $500–$1,500 minimum deposit to open Request Info Membership eligibility requirements may apply
4.27% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,500 and upYour amount 4.35% $100,000 and upJumbo Certificates 4.45% $250,000 and upJumbo Certificates 4.55% Rate checked
More details - Gunnison Savings & LoanCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$1,857 over 48 months on $10,0004.25% interest rate
Rate checked
More details - Alpine Credit UnionBump CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000intro rateRequirements
Product: One-time bump-up in dividend rate during term. Maturity date options 12-60 months. Auto renewal. $500 minimum deposit.
Promotional rate · 4.28% interest rate
Rate checked
More details - USC Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
Offer: Minimum opening deposit $1,000. Early withdrawal penalties apply.
4.27% interest rate · Effective Oct 17, 2026
Rate checked
More details - Adventure Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Available to anyone who lives, works, worships, or attends school in the State of Michigan; credit union membership requires a $5 share deposit. Early withdrawal penalty on 6-month certificate is 90 days loss of interest; on 12-month term or longer is 180 days loss of interest.
Offer: Early withdrawal penalty is 180 days loss of interest.
4.28% interest rate · Effective Oct 1, 2026
Rate checked
More details - Harvard Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Available to Harvard FCU members. Must maintain a minimum daily balance of $1,000 to earn posted APY. APY assumes principal and interest remain on deposit until maturity. Crimson Elite checking account holders receive an additional 0.10% bonus to dividend rate and APY. Early withdrawal penalty applies.
Offer: Minimum daily balance of $1,000 must be maintained to earn posted APY.
4.27% interest rate
Rate checked
More details - On Tap Credit UnionTerm CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
4.27% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - EUCCUShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Effective Oct 1, 2026
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More details - Chiphone Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.26% interest rate · Compounded daily · Effective Sep 24, 2024
Rate checked
More details - FCB BanksCertificate of Deposit SpecialsCD · 71 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$2,865 over 71 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Minimum balance to earn interest is $1,000.
4.28% interest rate · Effective Oct 16, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance
Credit union · Add a location to see nearby branches
4.35%APY$3,472 over 84 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $2,500 and upYour amount 4.35% $100,000 and upJumbo tier. 4.50% Rate checked
More details - Kelly Community Federal Credit UnionShare CertificateCD · 13 months · $1,000 min
Credit union · Add a location to see nearby branches
4.34%APY$471 over 13 months on $10,000Requirements
Offer: Special. Cannot be combined with the Rewards Program bonus rates.
4.25% interest rate · Effective Aug 1, 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
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