Where to open a CD
Bank CDs vs. Credit Union Share Certificates
Compare 49 bank CD listings with 8 credit union certificate listings, and learn what changes — and what doesn’t — when you choose one over the other.
Banks (FDIC)
- Open to anyone who meets ID requirements
- Large online banks frequently lead national rate tables
- Insured by the FDIC up to $250,000 per depositor, per bank, per ownership category
Credit unions (NCUA)
- Member-owned; you must qualify to join
- Can post some of the market’s highest certificate specials
- Insured by the NCUA up to $250,000 per member, per credit union, per ownership category
Bank CD listings
49 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display date ? | Actions |
|---|---|---|---|---|---|---|
| Online bankListing #8VQBV · details on inquiryBank · FDIC | 5.00% | 5 years | $2,500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 8VQBV, 5.00% 5 years |
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| Online bankListing #7V9ST · details on inquiryBank · FDIC | 5.00% | 5 years | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 7V9ST, 5.00% 5 years |
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| FDIC-insured bankListing #DUZXQ · details on inquiryBank · FDIC | 5.00% | 5 years | $50,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing DUZXQ, 5.00% 5 years |
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| Online bankListing #DK5HP · details on inquiryBank · FDIC | 4.95% | 4 years | $10,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing DK5HP, 4.95% 4 years |
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| FDIC-insured bankListing #MBG2F · details on inquiryBank · FDIC | 4.91% | 2 years | $25,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing MBG2F, 4.91% 2 years |
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| Online bankListing #X4P29 · details on inquiryBank · FDIC | 4.85% | 3 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing X4P29, 4.85% 3 years |
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| Online bankListing #V8YNB · details on inquiryBank · FDIC | 4.85% | 4 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing V8YNB, 4.85% 4 years |
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| Online bankListing #P467M · details on inquiryBank · FDIC | 4.85% | 5 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing P467M, 4.85% 5 years |
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| Online bankListing #BB2TB · details on inquiryBank · FDIC | 4.85% | 18 months | $1,500 | Confirm with institution | National rate survey |
Inquire about this CD for listing BB2TB, 4.85% 18 months |
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| Online bankListing #TYYEW · details on inquiryBank · FDIC | 4.85% | 3 years | $10,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing TYYEW, 4.85% 3 years |
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| Online bankListing #P9HCH · details on inquiryBank · FDIC | 4.82% | 2 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing P9HCH, 4.82% 2 years |
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| Online bankListing #KAKY9 · details on inquiryBank · FDIC | 4.80% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing KAKY9, 4.80% 2 years |
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| Online bankListing #7HC83 · details on inquiryBank · FDIC | 4.80% | 3 years | No minimum | 270 days of interest (as reported for the 3-year term) | National rate survey |
Inquire about this CD for listing 7HC83, 4.80% 3 years |
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| Online bankListing #ELW9X · details on inquiryBank · FDIC | 4.80% | 5 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing ELW9X, 4.80% 5 years |
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| Online bankListing #XU3ZP · details on inquiryBank · FDIC | 4.75% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing XU3ZP, 4.75% 2 years |
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| Online bankListing #9HP5B · details on inquiryBank · FDIC | 4.75% | 5 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 9HP5B, 4.75% 5 years |
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| Online bankListing #KNXAS · details on inquiryBank · FDIC | 4.65% | 3 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing KNXAS, 4.65% 3 years |
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| Online bankListing #65QCX · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 65QCX, 4.65% 1 year |
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| Online bankListing #FXH53 · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing FXH53, 4.65% 1 year |
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| Online bankListing #4NLPG · details on inquiryBank · FDIC | 4.65% | 11 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 4NLPG, 4.65% 11 months |
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| FDIC-insured bankListing #K6NYM · details on inquiryBank · FDIC | 4.64% | 1 year | $25,000 | Confirm with institution | Financial news publisher |
Inquire about this CD for listing K6NYM, 4.64% 1 year |
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| Online bankListing #LCLMJ · details on inquiryBank · FDIC | 4.60% | 3 years | $2,500 | Confirm with institution | National rate survey |
Inquire about this CD for listing LCLMJ, 4.60% 3 years |
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| Online bankListing #Z4SX2 · details on inquiryBank · FDIC | 4.60% | 1 year | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing Z4SX2, 4.60% 1 year |
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| Online bankListing #YS27D · details on inquiryBank · FDIC | 4.55% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing YS27D, 4.55% 1 year |
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| Online bankListing #6V2NC · details on inquiryBank · FDIC | 4.51% | 15 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6V2NC, 4.51% 15 months |
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| FDIC-insured bankListing #CSJSN · details on inquiryBank · FDIC | 4.50% | 11 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing CSJSN, 4.50% 11 months |
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| Online bankListing #MAG3B · details on inquiryBank · FDIC | 4.50% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing MAG3B, 4.50% 1 year |
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| Online bankListing #2C85Y · details on inquiryBank · FDIC | 4.50% | 15 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 2C85Y, 4.50% 15 months |
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| Online bankListing #YJQHA · details on inquiryBank · FDIC | 4.50% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing YJQHA, 4.50% 1 year |
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| Online bankListing #59G3S · details on inquiryBank · FDIC | 4.50% | 1 year | $2,500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing 59G3S, 4.50% 1 year |
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| Online bankListing #PEHZ3 · details on inquiryBank · FDICNo-penalty | 4.46% | 1 year | $1,000 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing PEHZ3, 4.46% 1 year |
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| Online bankListing #96QQP · details on inquiryBank · FDIC | 4.40% | 6 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 96QQP, 4.40% 6 months |
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| Online bankListing #G8XVC · details on inquiryBank · FDIC | 4.40% | 6 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing G8XVC, 4.40% 6 months |
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| Online bankListing #8UMTJ · details on inquiryBank · FDIC | 4.40% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 8UMTJ, 4.40% 1 year |
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| Online bankListing #8QLPA · details on inquiryBank · FDICNo-penalty | 4.35% | 9 months | $500 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing 8QLPA, 4.35% 9 months |
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| Online bankListing #KFVQV · details on inquiryBank · FDIC | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing KFVQV, 4.35% 1 year |
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| Online bankListing #QQRS2 · details on inquiryBank · FDIC | 4.35% | 6 months | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing QQRS2, 4.35% 6 months |
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| Online bankListing #QNDGJ · details on inquiryBank · FDIC | 4.30% | 3 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing QNDGJ, 4.30% 3 months |
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| Online bankListing #3GM5M · details on inquiryBank · FDIC | 4.30% | 3 months | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 3GM5M, 4.30% 3 months |
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| FDIC-insured bankListing #BPEX5 · details on inquiryBank · FDIC | 4.25% | 1 year | $500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing BPEX5, 4.25% 1 year |
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| Online bankListing #W5PVY · details on inquiryBank · FDIC | 4.25% | 6 months | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing W5PVY, 4.25% 6 months |
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| FDIC-insured bankListing #6C5CL · details on inquiryBank · FDIC | 4.25% | 10 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6C5CL, 4.25% 10 months |
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| Online bankListing #6DP3W · details on inquiryBank · FDICNo-penalty | 4.25% | 11 months | $1,000 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing 6DP3W, 4.25% 11 months |
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| Online bankListing #63V3T · details on inquiryBank · FDIC | 4.20% | 6 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 63V3T, 4.20% 6 months |
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| FDIC-insured bankListing #R899Z · details on inquiryBank · FDIC | 4.20% | 6 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing R899Z, 4.20% 6 months |
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| Online bankListing #GGGK4 · details on inquiryBank · FDIC | 4.10% | 3 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing GGGK4, 4.10% 3 months |
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| Online bankListing #XNHRT · details on inquiryBank · FDICNo-penalty | 3.80% | 13 months | $500 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing XNHRT, 3.80% 13 months |
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| Online bankListing #DVDX8 · details on inquiryBank · FDICNo-penalty | 3.75% | 13 months | $5,000 | None — allows three penalty-free withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing DVDX8, 3.75% 13 months |
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| Online bankListing #KHV5U · details on inquiryBank · FDICNo-penalty | 2.90% | 11 months | No minimum | None — penalty-free early closure | Deposit-rate newsletter |
Inquire about this CD for listing KHV5U, 2.90% 11 months |
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No listings match these filters. Try a different term or deposit amount, or tell us what you're looking for.
APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures
Credit union certificate listings
8 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display date ? | Actions |
|---|---|---|---|---|---|---|
| Regional credit unionListing #N3KVM · details on inquiryCredit union · NCUAJumbo | 5.23% | 13 months | $100,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing N3KVM, 5.23% 13 months |
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| Credit unionListing #4R44M · details on inquiryCredit union · NCUA | 5.00% | 3 years | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing 4R44M, 5.00% 3 years |
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| Credit unionListing #LZW7N · details on inquiryCredit union · NCUA | 5.00% | 5 years | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing LZW7N, 5.00% 5 years |
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| Credit unionListing #6ND7M · details on inquiryCredit union · NCUA | 4.50% | 1 year | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6ND7M, 4.50% 1 year |
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| Credit unionListing #GVTS9 · details on inquiryCredit union · NCUA | 4.40% | 6 months | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing GVTS9, 4.40% 6 months |
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| Credit unionListing #J9KEW · details on inquiryCredit union · NCUA | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing J9KEW, 4.35% 1 year |
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| Credit unionListing #WEWKU · details on inquiryCredit union · NCUA | 4.30% | 6 months | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing WEWKU, 4.30% 6 months |
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| Credit unionListing #AE42P · details on inquiryCredit union · NCUANo-penalty | 4.25% | 11 months | $500 | None — penalty-free early closure (special offer) | Deposit-rate newsletter |
Inquire about this CD for listing AE42P, 4.25% 11 months |
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No listings match these filters. Try a different term or deposit amount, or tell us what you're looking for.
APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures
FAQs
Are credit union CDs as safe as bank CDs?
Yes, when the credit union is federally insured. NCUA share insurance offers the same $250,000 standard coverage as FDIC deposit insurance.
Why do credit unions call CDs “share certificates”?
Credit unions are member-owned, so deposits are technically “shares” and interest is paid as “dividends.” A share certificate works the same way as a CD.
How do I join a credit union to get its CD rate?
Each credit union sets eligibility — usually based on where you live or work, an employer or association, or a family member who’s already a member. Some let anyone join through a small donation to a partner organization. Check eligibility before you count on a credit union rate.
No questions match that search. Ask us directly.
Start with the date you need the money
Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.
Compare CD options Free to use. Availability and eligibility vary by institution.