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 1381–1395 of 6,757 results
- United Financial Credit Union11 Month CD Special (New Money)CD · 11 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$380 over 11 months on $10,000intro rateRequirements
Product: Fixed rate for term. Minimum deposit $500. Valid on new money only. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.
Offer: Valid on New Money Only. Minimum balance to earn APY is $500.
Promotional rate · 4.07% interest rate · Effective Aug 19, 2026
Rate checked
More details - Home Bank & Trust CompanySpecial Certificate of Deposit (CD)CD · 11 months
Bank · Add a location to see nearby branches
4.15%APY$380 over 11 months on $10,000intro ratePromotional rate
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More details - Velocity Community Credit Union11-Month Certificate PromotionCD · 11 months · $5,000 min
Credit union · Add a location to see nearby branches
4.15%APY$380 over 11 months on $10,000intro rateRequirements
Product: Open with new money and a minimum deposit of $5,000. Limited time offer.
Offer: New money and minimum deposit of $5,000 required.
Promotional rate
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More details - 4.15%APY$380 over 11 months on $10,000intro rate
Promotional rate · 4.07% interest rate
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More details - Texell Credit UnionTerm Share CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Dividends paid quarterly. Insured up to $500,000 ($250,000 NCUA and $250,000 Excess Share Insurance Corp).
Offer: Minimum daily balance of $1,000 required to earn dividends. Penalty for early withdrawal. Minimum to avoid service charge is $0.
Effective Oct 22, 2026
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More details - Southern FCUCertificate of DepositCD · 12 months · $1,000 min · 4.15%–4.25% by balance
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000with conditionsRequirements
Product: Minimum opening balance is $1,000.00. Early withdrawal penalty may apply. Dividends paid monthly. Automatically renewable.
Offer: Under $75,000 in Total Shares
Qualified rate · Effective May 8, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $75,000Your amount 4.15% $75,000 and upOver $75,000 in Total Shares - Platinum Bump Up 4.25% Rate checked
More details - DATCUCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: A minimum deposit of $1,000 is required to open, maintain and earn interest. You must maintain a minimum balance of $1,000 throughout the term or the CD must be redeemed. Early withdrawal penalty may be imposed.
Offer: A minimum deposit of $1,000 is required to open, maintain and earn interest. A penalty may be imposed for early withdrawal.
Effective Oct 14, 2026
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More details - Falls Catholic Credit UnionTerm Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Minimum deposit $500. Automatic renewal at maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if closed before credited.
Offer: Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if account is closed before accrued dividends have been credited.
Effective Oct 1, 2026
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More details - North Valley BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.
4.15% interest rate · Effective Oct 16, 2026
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More details - Heritage USA Federal Credit UnionTerm Share Accounts (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Membership required (minimum $5 share deposit). $500 minimum deposit, new money only (money not currently on deposit with Heritage USA FCU). Auto-renews unless instructed by depositor. Fixed interest rate. Penalty for early withdrawal. Compounded daily, paid quarterly.
Offer: $500 minimum deposit, new money only. Compounded daily, paid quarterly.
4.07% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Pathway BankCD (Certificate of Deposit)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Interest compounded quarterly unless otherwise stated. Substantial Penalty for Early Withdrawal. Fees could reduce the earnings on the account. Rate and APY are fixed for the term of the CD.
Offer: Minimum deposit to open and earn APY is $1,000.00.
4.09% interest rate · Compounded quarterly · Effective Oct 5, 2026
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More details - Embers Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Dividends are paid monthly directly into the certificate account. Minimum deposit of $1,000 required to open. Early withdrawal penalty may be up to half of the dividends that would be earned over the full term.
Offer: Dividends are paid monthly.
Rate checked
More details - Parke BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
Offer: Early withdrawal penalties apply.
4.07% interest rate · Effective Oct 12, 2026
Rate checked
More details - Northern Colorado Credit UnionPeak CDCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
Effective Oct 15, 2026
Rate checked
More details - Seattle BankCertificates of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.
Offer: All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings.
Compounded daily
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
37,859 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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