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 796–810 results
- KodaBankCertificates of DepositCD · 15 months · $2,500 min
Bank · Add a location to see nearby branches
4.26%APY$535 over 15 months on $10,000Requirements
Offer: 15 Month CD Special
4.25% interest rate · Effective Sep 29, 2026
Rate checked
More details - Sturgis Bank & TrustCertificate of DepositCD · 23 months · $5,000 min
Bank · Add a location to see nearby branches
4.26%APY$832 over 23 months on $10,000intro rateRequirements
Product: Automatic renewal at maturity. Compound interest paid quarterly to CD account or transferred to another bank account. Early withdrawal penalty may apply.
Offer: 23-month special certificate of deposit. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Rates are effective for a limited time.
Promotional rate · Effective Oct 9, 2026
Rate checked
More details - STCUSelect CertificateCD · 30 months · $2,000 min
Credit union · Add a location to see nearby branches
4.26%APY$1,099 over 30 months on $10,000Requirements
Product: Minimum deposit of $2,000 required. No monthly fees. Dividends compound monthly. Penalty for early withdrawal.
Effective Oct 20, 2026
Rate checked
More details - Arbuckle Federal Credit UnionShare Certificates ($1,000 – $99,999)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.26%APY$1,816 over 48 months on $10,0004.18% interest rate · Balance cap $99,999 · Effective Jan 14, 2026
Rate checked
More details - Niagara Regional FCUShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$105 over 3 months on $10,000intro rateRequirements
Product: Minimum deposit to open is $1,000.00. Dividends paid at maturity. APY is based on assumption interest remains in account until maturity. Early withdrawal penalty applies (3 months of dividends for terms less than 1 year, 6 months for terms more than 1 year). No partial withdrawals.
Offer: Promo rate requires New Money and $1,000 minimum balance.
Promotional rate
Rate checked
More details - iTHINK FinancialPick Your Term CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$105 over 3 months on $10,000intro rateRequirements
Product: Limited-time promotion. Choose a 3, 6, 9 or 12-month term. Promotional certificates that automatically renew will earn the applicable standard rate. Rates fixed for full term. Minimum opening deposit $1,000.
Offer: Limited-time promotional certificate. Choose a 3, 6, 9 or 12-month term. Promotional certificates that automatically renew earn the applicable standard rate.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Energy One Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$105 over 3 months on $10,000intro rateRequirements
Product: Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
Offer: Tier for balance $500
Promotional rate · Effective Sep 14, 2026
Rate checked
More details - Poppy BankPersonal Certificate of Deposit AccountsCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$105 over 3 months on $10,000Requirements
Offer: APY accurate as of September 24, 2026. Rate may change after account is opened. Minimum balance requirement must be maintained in the account each day to obtain the disclosed APY. Grace period of seven calendar days after maturity to withdraw funds without penalty. Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.
4.16% interest rate · Effective Sep 24, 2026
Rate checked
More details - Luminate Bank4 Month CD SpecialCD · 4 months · $10,000 min
Bank · Add a location to see nearby branches
4.25%APY$140 over 4 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $10,000. New money only. No monthly service fees. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.
Offer: New money only. No monthly service fees. A penalty may be imposed for early withdrawal. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity.
Promotional rate · 4.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - AdventHealth Credit UnionCertificate SpecialCD · 4 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$140 over 4 months on $10,000intro rateRequirements
Product: Limited time Certificate Special. Interest credited monthly. Early withdrawal penalties apply. Additional deposits not permitted during term.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - Family First Federal Credit UnionCertificate AccountsCD · 5 months · $10,000 min
Credit union · Add a location to see nearby branches
4.25%APY$175 over 5 months on $10,000Requirements
Product: Rates valid as of 10/23/2026. Fixed rate account. Early withdrawal penalties apply.
Offer: 5 Month New Money Special. Requires a minimum deposit of $10,000 with new money or a full-service checking account. New money is money not on deposit with Family First over the last 60 days. The checking account must be full-service for at least 60 days before it becomes eligible. Full service is defined as having a checking, savings, direct deposit, debit card and online banking with eStatements.
Effective Oct 23, 2026
Rate checked
More details - Mission City Federal Credit UnionFall Certificate SpecialCD · 5 months · $2,500 min
Credit union · Add a location to see nearby branches
4.25%APY$175 over 5 months on $10,000intro rateRequirements
Product: Early withdrawals on Share Certificates with terms of 12-months or less will incur a penalty of 90 days of dividends. The account will automatically renew at maturity into a 12-month term share certificate. Membership in Mission City FCU is required with a minimum $10 deposit into a savings account.
Offer: Special rate applies to new money only (money not currently on deposit with Mission City FCU). Promotion period September 7 - October 7, 2026. $50,000 maximum deposit, $2,500 minimum deposit.
Promotional rate · Balance cap $50,000
Rate checked
More details - The Business BankCertificates of Deposit (CDs)CD · 5 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$175 over 5 months on $10,000intro rateRequirements
Product: Auto renewal with 30-day grace period. Early withdrawal penalty may apply. Fees or penalties may reduce earnings.
Offer: Promotional rate is available for personal accounts only that are opened with new-to-the-bank funds. At maturity, funds will roll over automatically into a regular 6-month term and rate.
Promotional rate · 4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northwest Federal Credit UnionCommunity 5 Month CertificateCD · 5 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$175 over 5 months on $10,000intro rateRequirements
Product: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Offer: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Promotional rate · 4.17% interest rate
Rate checked
More details - Vibrant Credit UnionCertificate of DepositCD · 6 months · $5 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000intro rateRequirements
Product: Requires a $5 minimum opening balance and a $5 Membership Share account. Federally insured by NCUA. Penalty may be imposed for early withdrawal. Must be at least 18 years old to open an account online (or open jointly with parent/guardian if under 18).
Offer: 6-Month CD Special auto-renews into a 6-month certificate at the current rate at that time when it matures. $5 Membership Share account required. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 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