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 1306–1320 of 6,757 results
- OceanFirst Bank9 Month CD SpecialCD · 9 months · $5,000 min
Bank · Add a location to see nearby branches
4.18%APY$312 over 9 months on $10,000with conditionsRequirements
Product: Limited-time offer for new deposit customers, loan-only customers, or employees of OceanFirst Bank. Requires new money not currently on deposit at OceanFirst Bank. Automatically renews for a 9-month term at published non-special rate. Penalty for early withdrawal may apply. Government accounts excluded.
Offer: Promotional APY increase and $250,000 maximum funding amount available if opening a non-interest FreeStyle Checking or Community Business Checking account within 60 days of certificate opening date (employees may open any OceanFirst checking account).
Qualified rate · 4.10% interest rate · Balance cap $250,000
Rate checked
More details - The Banks of Buffalo Gillette Sheridan12 Month CDCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: APY is subject to change. A penalty may be imposed for early withdrawal.
Offer: APY is subject to change. A penalty may be imposed for early withdrawal.
4.10% interest rate
Rate checked
More details - Alliance Community BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.18%APY$418 over 1 year on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - Independent Bank13-Month CD SpecialCD · 13 months · $1,000 min
Bank · Add a location to see nearby branches
4.18%APY$454 over 13 months on $10,000with conditionsRequirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 4.10% interest rate · Compounded monthly · Effective Oct 21, 2026
Rate checked
More details - Altana Federal Credit UnionCertificate of DepositCD · 14 months · $500 min
Credit union · Add a location to see nearby branches
4.18%APY$489 over 14 months on $10,000Requirements
Product: Earned dividends can be transferred to savings or checking or added to the certificate balance.
Offer: Limited time offer. Early withdrawal penalties apply.
Effective Oct 2, 2026
Rate checked
More details - Hiawatha National Bank14 Month Certificate of Deposit SpecialCD · 14 months · $2,500 min
Bank · Add a location to see nearby branches
4.18%APY$489 over 14 months on $10,000intro rateRequirements
Product: Interest checks available quarterly or at maturity. Penalty for early withdrawal.
Offer: Interest Compounding: Quarterly.
Promotional rate · 4.12% interest rate
Rate checked
More details - Michigan First Credit Union16 Month Certificate AccountCD · 16 months · $1,000 min
Credit union · Add a location to see nearby branches
4.18%APY$561 over 16 months on $10,000Requirements
Product: Minimum opening deposit $1,000. Balance tiers required to earn stated APY.
Offer: Balance $1,000+ required.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Encompass Niagara Federal Credit UnionRegular CertificateCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.18%APY$634 over 18 months on $10,000Requirements
Product: Minimum balance $1000. Rates subject to change without notice.
4.10% interest rate · Effective Sep 1, 2026
Rate checked
More details - Cape Ann Savings BankCertificates of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$634 over 18 months on $10,000Requirements
Product: Terms ranging from 6 months to 60 months. Minimum deposit of $500. Early withdrawals subject to penalty.
Offer: Minimum daily balance to open account and earn APY. Aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for 13 Month and 1 1/2 year CD/IRA CD products.
4.10% interest rate · Balance cap $5,000,000 · Effective Oct 22, 2026
Rate checked
More details - GECUPersonal Smart-Step Certificate Accounts (Variable rate)CD · 24 months · $2,500 min · 4.18%–4.28% by balance
Credit union · Add a location to see nearby branches
4.18%APY$853 over 24 months on $10,000Requirements
Product: Variable rate. Smart-Step certificate accounts offer an option to increase the dividends during each term to current rate in effect upon written request. 24-month term offers one option to increase the dividend rate during each 24-month term. Membership eligibility is required; $10 share account deposit required.
Offer: Monthly Crediting. Average daily balance requirement of $2,500. One option to increase dividend rate during 24-month term.
4.10% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for Personal Smart-Step Certificate Accounts (Variable rate) Balance APY $2,500 and upYour amount 4.18% $50,000 and up24-month Jumbo. 4.28% Rate checked
More details - City National BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$853 over 24 months on $10,000Requirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE - Compounding Monthly. Term 24 months.
4.10% interest rate
Rate checked
More details - Longview Community BankCertificate of DepositsCD · 30 months · $500 min
Bank · Add a location to see nearby branches
4.18%APY$1,078 over 30 months on $10,000 - The Bank of RomneyCertificates of DepositCD · 30 months · $1,000 min
Bank · Add a location to see nearby branches
4.18%APY$1,078 over 30 months on $10,000intro rateRequirements
Product: Low minimum deposit of $500.00 for CDs of 18 months or shorter, $1,000.00 for 24-60 month CDs. Terms range from 91 days to 60 months. Penalty for early withdrawal. Interest may be compounded, transferred to another account, or sent by check.
Offer: Compounded daily. Early withdrawal penalty of 90 days. Three withdrawals per year with penalty.
Promotional rate · 4.10% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - 4.18%APY$1,269 over 35 months on $10,000with conditions
Requirements
Product: Limited time offer. $5,000 minimum balance to open account. An active Bank First checking account with direct deposit is required to obtain this special. Penalty may be imposed for early withdrawal.
Offer: Interest is paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit.
Qualified rate · 4.14% interest rate
Rate checked
More details - Self-Help Credit UnionGreen Term CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.18%APY$1,307 over 36 months on $10,000Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
4.10% interest 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay nationwide
37,859 CDs at 4,651 banks and credit unions · checked Oct 22–25
- 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
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