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 961–975 results
- Member Preferred Federal Credit UnionFLEX CertificateCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Open to new and existing members (non-members must qualify for MPFCU membership and open a Regular Share Savings Account with $25 minimum opening deposit). Opening deposit must be funds not already with Member Preferred FCU. Minimum $2,500 deposit required to open and earn APY. Allows 1 additional deposit ($500 minimum) per calendar month (up to 11 deposits per term) and 1 penalty-free withdrawal ($500 minimum) per calendar month. Withdrawals cannot reduce certificate balance below $2,500 or 50% (or 60% in disclosures) of original opening deposit, whichever is greater.
Offer: Promotional rate and APY for 12 months term. Minimum deposit $2,500 required to open and earn APY.
Promotional rate · 4.17% interest rate · Effective Sep 10, 2026
Rate checked
More details - North Central Area Credit UnionCertificate of DepositCD · 13 months · $500 min · 4.25%–4.35% by balance
Credit union · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.25% $50,000 – $250,000 4.35% Rate checked
More details - Selfreliance Federal Credit UnionCertificateCD · 13 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000Requirements
Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.
Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.
4.18% interest rate · Balance cap $1,000,000 · Effective Oct 23, 2026
Rate checked
More details - R-G Federal Credit UnionTerm Share AccountCD · 13 months
Credit union · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Term Share Accounts pay dividends quarterly. Automatically renews at current 6-month term unless specified.
Offer: Limited-time special. Requires bringing new money to credit union. Accounts automatically renew at then current 6-month terms unless specified. Branch rates prevail.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Investar Bank13, 18, or 21-Month Certificate of Deposit SpecialCD · 13 months · $500 min · 4.05%–4.25% by balance
Bank · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000Requirements
Product: 18-Month Consumer CD is available online. Additional terms and offers available in-branch and online. Penalty for early withdrawal. Interest compounded monthly.
Compounded monthly · Effective Oct 7, 2026
Rate by balance
Rate by balance for 13, 18, or 21-Month Certificate of Deposit Special Balance APY $500 – $245,000Your amount 4.25% $245,000 and up 4.05% Rate checked
More details - BayFirst Financial13-Month CD SpecialCD · 13 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: New money only. Limited-time offer. Advertised Annual Percentage Yield (APY) may change after maturity and are accurate as of 2/3/2026. A penalty may be charged for early withdrawal. Fees could reduce earnings.
Offer: New money only. Limited-time offer. Advertised Annual Percentage Yield (APY) may change after maturity. Penalty may be charged for early withdrawal. Fees could reduce earnings.
Promotional rate · Effective Feb 3, 2026
Rate checked
More details - National Grand BankCertificate of DepositCD · 13 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,0004.17% interest rate · Effective Oct 21, 2026
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More details - BayPort Credit UnionShare CertificatesCD · 13 months · $2,500 min
Credit union · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000with conditionsRequirements
Product: Dividend rate is based on member relationship at certificate purchase (Premier/Select, Preferred, or Regular). If the account changes to Classic Relationship before maturity, the dividend rate reverts to the regular dividend rate in effect at account opening. Dividends compound monthly except for the 91-day Share Certificate, which pays at maturity. 13-month Special replaced historical 9-month Special. Members under 25 qualify for 30-month certificate with $100 minimum. 25-month Flex certificate auto-renews to 24-month at new rate and allows three one-time options (rate bump, deposit, withdrawal).
Offer: 13-month Special. Premier / Select Relationship.
Qualified rate · 4.17% interest rate
Rate checked
More details - Pioneer Appalachia FCU13-Month CertificateCD · 13 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000with conditionsRequirements
Product: Guaranteed fixed rate certificate. PFI members unlock rates up to 4.25% APY with checking account and direct deposit. APY accurate as of 1/1/26.
Offer: PFI rate. Requires Primary Financial Institution (PFI) relationship (open checking account and set up direct deposit).
Qualified rate · Effective Jan 1, 2026
Rate checked
More details - Liberty BankCertificates of DepositCD · 13 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: Early withdrawal penalty applies. Minimum opening deposit $500; minimum balance to earn APY $500. Maximum deposit $250,000.00. Account owner under 16 must be joint with parent/guardian. Fees could reduce earnings.
Offer: 13-Month CD Special. Promotional rate is for consumer accounts only; not available for trusts or IRA CDs. Automatically renews to a 1-Year CD at maturity. Maximum deposit $250,000.00. Early withdrawal penalty applies.
Promotional rate · 4.17% interest rate · Balance cap $250,000 · Effective Oct 14, 2026
Rate checked
More details - American Southwest Credit UnionTerm Share CertificatesCD · 13 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000with conditionsRequirements
Product: Term Share Certificates offer terms from 6 months to 5 years (plus promotional specials). No monthly service charges. Dividends are calculated by the daily balance method, compounded and credited monthly. Penalty may apply for early withdrawal.
Offer: Special rate; $1,000 minimum, no maximum. New money only; funds currently on deposit at American Southwest Credit Union are not eligible.
Qualified rate · 4.16% interest rate · Effective Oct 1, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - Park City Credit UnionShare CertificateCD · 13 months · $5,000 min
Credit union · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal. Membership eligibility required.
Offer: New Funds Only
Promotional rate · 4.18% interest rate
Rate checked
More details - Ponce Bank13-month CD Inwood Branch SpecialCD · 13 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: Inwood Branch Special.
Offer: Inwood Branch Special.
Promotional rate · 4.16% interest rate
Rate checked
More details - Westmoreland Federal SavingsCertificates of DepositCD · 13 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A $5,000.00 minimum balance is required to receive a monthly interest check or have monthly interest transferred to another WFS account. Once opened, additions are not permitted until maturity. Early withdrawal penalty: 3 months interest on terms less than 1 year; 6 months interest on terms 1 year and over. Automatically renews with a 7-day grace period.
Offer: Special offer.
Promotional rate · 4.17% interest rate · Effective Oct 9, 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