Best low-minimum ($500 or less) CD rates
Tower Federal Credit Union has the highest APY in this tracked sample of 265 institutions: 5.20% APY for 24 months, verified October 22, 2026.
Only CDs and share certificates with a stated minimum deposit of $500 or less are included. An unknown minimum is excluded; a $500 minimum does not mean no minimum. Youth, recurring-deposit and other product restrictions may apply. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Tower Federal Credit Union | 24 monthsRegular Share Certificate · Standard | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 Source text |
| Kirtland Federal Credit Union | 18 months18-Month Limited-Time Share Certificate · Promotional | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 Source text |
| Justice Federal Credit Union | 6 months6-Month Special Certificate · Relationship | $500 | Membership required · branches in 9 states | 5.10% | October 22, 2026 Source text |
| Empower Federal Credit Union | 6 monthsShare Certificate · Standard | $500 | Membership required · branches in NY | 5.00% | October 22, 2026 Source text |
| First Commonwealth Federal Credit Union (Pennsylvania) | 5 monthsCertificate Special · Promotional | $500 | Membership required · branches in NJ, PA | 5.00% | October 22, 2026 Source text |
| Frankenmuth Credit Union | 8 monthsLivestock CD Special · Special | $500 | Membership required · branches in MI | 5.00% | October 22, 2026 Source text |
| Quorum Federal Credit Union | 48 months48-Month Term Account · Standard | $100 | Membership required · branches in NY | 5.00% | October 22, 2026 Source text |
| Wings Credit Union (formerly Ent) | 6 monthsMy Savings Builder Certificate · Special | $25 | Membership required · branches in CO, FL, GA, MI, MN, WI | 4.80% | October 22, 2026 Source text |
| Happen Bank | 24 monthsCD · Standard | $500 | Branches in CA, UT | 4.76% | October 22, 2026 Source text |
| Arise Financial | 36 monthsShare Certificate · Standard | $500 | Membership required · branches in MA | 4.75% | October 24, 2026 Source text |
| Genesee Regional Bank | 24 months24 Month CD Special (50% New Money) · Promotional | $500 | Branches in NY | 4.75% | October 22, 2026 Source text |
| KS StateBank | 24 months2 Year CD · Standard | $500 | Branches in AZ, KS | 4.75% | October 22, 2026 Source text |
| Seven Seventeen Credit Union | 60 monthsCertificate · Standard | $500 | Membership required · branches in OH | 4.75% | October 22, 2026 Source text |
| Wright-Patt Credit Union | 72 monthsShare Certificates - $500 Minimum · Standard | $500 | Membership required · branches in OH | 4.70% | October 22, 2026 Source text |
| Waukesha State Bank | 60 monthsCertificate of Deposit · Standard | $500 | Branches in WI | 4.65% | October 22, 2026 Source text |
| Educational Systems Federal Credit Union | 18 monthsStar Member Certificate · Relationship | $500 | Membership required · branches in MD | 4.60% | October 22, 2026 Source text |
| Genisys Credit Union | 13 monthsCertificate Special · Promotional | $500 | Membership required · branches in MI, MN | 4.60% | October 22, 2026 Source text |
| Honda Federal Credit Union | 60 monthsSavings Certificate - Regular · Standard | $500 | Membership required · branches in AL, CA, IN, NC, OH, SC | 4.60% | October 22, 2026 Source text |
| Mountain America Credit Union | 24 months24-month youth certificate · Special | $5 | Membership required · branches in AZ, ID, MT, NV, UT | 4.60% | October 22, 2026 Source text |
| Founders Federal Credit Union | 84 months84 Month Loyalty Certificate · Relationship | $500 | Membership required · branches in NC, SC | 4.52% | October 22, 2026 Source text |
| Affinity Plus Federal Credit Union | 60 monthsBasic Certificate · Standard | $500 | Membership required · branches in MN | 4.50% | October 24, 2026 Source text |
| AmeriCU Credit Union | 3 monthsShare Certificate · Standard | $50 | Membership required · branches in NY | 4.50% | October 24, 2026 Source text |
| Beacon Credit Union (Indiana) | 60 monthsRegular Share Certificate · Standard | $500 | Membership required · branches in IN | 4.50% | October 24, 2026 Source text |
| CFG Bank | 18 months18 Month CD · Standard | $500 | Branches in MD | 4.50% | October 24, 2026 Source text |
| Coastal Credit Union | 60 months60-Month Certificate · Standard | $250 | Membership required · branches in NC | 4.50% | October 22, 2026 Source text |
| Dow Credit Union | 13 monthsSimple CD · Promotional | $500 | Membership required · branches in MI | 4.50% | October 22, 2026 Source text |
| Gesa Credit Union | 17 monthsFixed CD · Standard | $500 | Membership required · branches in ID, WA | 4.50% | October 22, 2026 Source text |
| Langley Federal Credit Union | 60 months60 Month Certificate · Standard | $500 | Membership required · branches in NC, VA | 4.50% | October 22, 2026 Source text |
| Machias Savings Bank | 36 monthsMy MSB Certificate of Deposit · Standard | $500 | Branches in ME, NH | 4.50% | October 22, 2026 Source text |
| Marquette Savings Bank | 18 monthsRegular CD · Standard | $500 | Branches in PA | 4.50% | October 22, 2026 Source text |
| Northern Bank & Trust Company | 12 monthsPremium 12-Month CD · Relationship | $500 | Branches in MA | 4.50% | October 23, 2026 Source text |
| ORNL Federal Credit Union | 36 months36-Month Promotional Certificate · Promotional | $500 | Membership required · branches in TN | 4.50% | October 22, 2026 Source text |
| Suncoast Credit Union | 18 monthsYouth Certificate · Special | $500 | Membership required · branches in FL | 4.50% | October 22, 2026 Source text |
| The Village Bank | 15 monthsCD · Standard | $500 | Branches in MA | 4.50% | October 22, 2026 Source text |
| USALLIANCE Financial | 12 months12 Month Rate Special Certificate · Promotional | $500 | Membership required · branches in CT, MA, NY | 4.50% | October 22, 2026 Source text |
| Climate First Bank | 12 months12-Month Penalty-Free CD · Promotional | $500 | Branches in FL | 4.46% | October 24, 2026 Source text |
| America First Credit Union | 60 monthsBump-rate Certificate Account · Standard | $500 | Membership required · branches in AZ, CA, ID, NM, NV, UT | 4.45% | October 24, 2026 Source text |
| Kellogg Community Credit Union | 5 months5 Month Certificate · Relationship | $500 | Membership required · branches in MI | 4.45% | October 23, 2026 Source text |
| Academy Bank | 18 monthsCD · Standard | $500 | Branches in AR, AZ, CO, KS, MO | 4.40% | October 24, 2026 Source text |
| Andrews Federal Credit Union | 15 monthsSpecial 15-Month Share Certificate · Promotional | $500 | Membership required · branches in DC, MD, NJ, VA | 4.40% | October 24, 2026 Source text |
| Empeople Credit Union | 18 months18 Month Certificate · Standard | $500 | Membership required · branches in 7 states | 4.40% | October 22, 2026 Source text |
| Landmark Credit Union | 12 monthsCertificate Account · Standard | $500 | Membership required · branches in WI | 4.40% | October 22, 2026 Source text |
| Marcus by Goldman Sachs | 12 monthsHigh-Yield CD · Standard | $500 | Available nationwide | 4.40% | October 22, 2026 Source text |
| Metro Credit Union (Massachusetts) | 15 monthsNew Money CD · Special | $500 | Membership required · branches in MA | 4.40% | October 22, 2026 Source text |
| Texas Trust Credit Union | 15 monthsFeatured Promo CD · Promotional | $500 | Membership required · branches in TX | 4.40% | October 23, 2026 Source text |
| TrustCo Bank | 6 monthsCertificate of Deposit Special · Promotional | $500 | Branches in FL, MA, NJ, NY, VT | 4.40% | October 22, 2026 Source text |
| Westmark Credit Union | 36 monthsTerm Certificate · Standard | $500 | Membership required · branches in ID | 4.40% | October 22, 2026 Source text |
| Centra Credit Union | 8 monthsShare Certificate · Relationship | $500 | Membership required · branches in IN, NC, NY | 4.35% | October 24, 2026 Source text |
| Citadel Credit Union | 20 months20 Month Certificate · Promotional | $500 | Membership required · branches in PA | 4.35% | October 24, 2026 Source text |
| Consumers Credit Union | 7 monthsRegular Certificate · Promotional | $250 | Membership required · branches in IL | 4.35% | October 22, 2026 Source text |
| DuTrac Community Credit Union | 19 monthsCertificate of Deposit - 19 Month Special · Promotional | $500 | Membership required · branches in IA, IL | 4.35% | October 22, 2026 Source text |
| Interra Credit Union | 13 monthsShare Certificate Special · Promotional | $500 | Membership required · branches in IN | 4.35% | October 22, 2026 Source text |
| KEMBA Credit Union | 40 monthsCertificate Special · Promotional | $500 | Membership required · branches in IN, KY, OH | 4.35% | October 22, 2026 Source text |
| NASA Federal Credit Union | 12 monthsShare Certificate - 12 Month Early Savers · Special | $50 | Membership required · branches in DC, MD, VA | 4.35% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Membership required · branches in 33 states | 4.35% | October 22, 2026 Source text |
| Newburyport Five Cents Savings Bank | 20 months20 Month Certificate of Deposit Special · Promotional | $500 | Branches in MA, NH | 4.35% | October 22, 2026 Source text |
| The Summit Federal Credit Union | 12 monthsRegular Certificate · Standard | $500 | Membership required · branches in NY | 4.35% | October 22, 2026 Source text |
| Coast Central Credit Union | 60 monthsSavings Certificate · Standard | $500 | Membership required · branches in CA | 4.33% | October 24, 2026 Source text |
| Bell Bank | 17 months17 Month CD Special · Promotional | $500 | Branches in AZ, ID, MN, ND | 4.30% | October 24, 2026 Source text |
| Community Choice Credit Union | 25 monthsCD SPECIAL! 25-Month Certificate · Promotional | $500 | Membership required · branches in MI | 4.30% | October 24, 2026 Source text |
| CorTrust Bank | 36 monthsCertificate of Deposit · Standard | $500 | Branches in MN, SD | 4.30% | October 22, 2026 Source text |
| Credit Union of America | 25 months25-Month Special · Promotional | $500 | Membership required · branches in KS | 4.30% | October 23, 2026 Source text |
| Credit Union West | 9 monthsPromotional Certificate · Promotional | $500 | Membership required · branches in AZ | 4.30% | October 22, 2026 Source text |
| Flagstar Bank | 12 months12-Month CD · Promotional | $500 | Branches in 10 states | 4.30% | October 22, 2026 Source text |
| Idaho Central Credit Union | 60 months60 Month Promo CD · Promotional | $500 | Membership required · branches in AZ, ID, WA | 4.30% | October 22, 2026 Source text |
| SchoolsFirst Federal Credit Union | 19 months19-Month Promotional Share Certificate · Promotional | $500 | Membership required · branches in CA | 4.30% | October 22, 2026 Source text |
| State Employees' Credit Union (SECU) | 18 monthsShare Term Certificate · Standard | $250 | Membership required · branches in NC | 4.30% | October 22, 2026 Source text |
| TD Bank | 24 monthsTD Choice CD · Promotional | $250 | Boston, MA · ZIP 02108 | 4.30% | October 22, 2026 Source text |
| The Bank of Commerce (Idaho) | 18 monthsCertificate of Deposit · Standard | $500 | Branches in ID, MT | 4.30% | October 24, 2026 Source text |
| Travis Credit Union | 18 monthsCertificate Special · Promotional | $500 | Membership required · branches in CA | 4.30% | October 22, 2026 Source text |
| Freedom Credit Union | 24 monthsCertificate of Deposit · Standard | $500 | Membership required · branches in PA | 4.28% | October 23, 2026 Source text |
| Citibank | 12 monthsFixed Rate CD · Promotional | $500 | New York, NY · ZIP 10001 | 4.25% | October 23, 2026 Source text |
| FORUM Credit Union | 18 monthsCertificate · Standard | $500 | Membership required · branches in IN | 4.25% | October 23, 2026 Source text |
| Jeanne D'Arc Credit Union | 24 monthsCertificate of Deposit · Promotional | $250 | Membership required · branches in MA, NH | 4.25% | October 22, 2026 Source text |
| Liberty Bank | 13 months13-Month CD Special · Promotional | $500 | Branches in CT, MA | 4.25% | October 23, 2026 Source text |
| Navigant Credit Union | 11 monthsCertificate of Deposit · Standard | $500 | Membership required · branches in RI | 4.25% | October 22, 2026 Source text |
| Patelco Credit Union | 7 monthsCertificate · Promotional | $250 | Membership required · branches in CA | 4.25% | October 22, 2026 Source text |
| Pentucket Bank | 20 months20 Month Certificate of Deposit Special · Promotional | $500 | Branches in MA, NH | 4.25% | October 22, 2026 Source text |
| Piedmont Federal Savings Bank | 25 months25 Month CD · Promotional | $500 | Branches in NC | 4.25% | October 22, 2026 Source text |
| Pima Federal Credit Union | 18 monthsTerm Share Certificate · Relationship | $250 | Membership required · branches in AZ | 4.25% | October 22, 2026 Source text |
| Ridgewood Savings Bank | 10 months10-Month Online CD Promo** (New Money Only) · Promotional | $100 | Branches in NY | 4.25% | October 22, 2026 Source text |
| Southwest Missouri Bank | 24 months24-Month Special Certificate of Deposit · Promotional | $500 | Branches in MO | 4.25% | October 22, 2026 Source text |
| Space Coast Credit Union | 12 monthsCertificate of Deposit (CD) · Standard | $500 | Membership required · branches in FL | 4.25% | October 22, 2026 Source text |
| Sunmark Credit Union | 6 monthsRegular Share Certificate · Standard | $500 | Membership required · branches in NY | 4.25% | October 22, 2026 Source text |
| TruStone Financial Credit Union | 12 months12 Month Certificate · Standard | $500 | Membership required · branches in MN, WI | 4.25% | October 23, 2026 Source text |
| Ulster Savings Bank | 24 months24 month CD · Standard | $500 | Branches in NY | 4.25% | October 22, 2026 Source text |
| Vibrant Credit Union | 6 months6-Month CD Special · Promotional | $5 | Membership required · branches in IA, IL | 4.25% | October 22, 2026 Source text |
| Webster Bank | 11 monthsPrivate 11 Month · Relationship | $500 | Branches in 9 states | 4.25% | October 22, 2026 Source text |
| Gulf Winds Credit Union | 13 monthsCD Special · Promotional | $500 | Membership required · branches in AL, FL | 4.21% | October 22, 2026 Source text |
| Ascend Federal Credit Union | 12 monthsShare Certificate · Standard | $500 | Membership required · branches in TN | 4.20% | October 24, 2026 Source text |
| Educators Credit Union | 7 monthsShare Certificate 7 Month Special · Promotional | $500 | Membership required · branches in WI | 4.20% | October 22, 2026 Source text |
| Family Savings Credit Union | 24 monthsShare Certificate · Standard | $500 | Membership required · branches in AL, GA | 4.20% | October 22, 2026 Source text |
| Hanover Community Bank | 13 months13 Month CD · Standard | $500 | Branches in NJ, NY | 4.20% | October 22, 2026 Source text |
| KEMBA Financial Credit Union | 60 months60 Month Certificate (KEMBA Advantage APY) · Relationship | $500 | Membership required · branches in OH | 4.20% | October 22, 2026 Source text |
| Northwest Community Bank | 21 monthsTime Deposit & IRA · Standard | $500 | Branches in CT | 4.20% | October 22, 2026 Source text |
| Sandia Area Federal Credit Union | 48 monthsShare Certificate · Standard | $500 | Membership required · branches in NM | 4.20% | October 22, 2026 Source text |
| St. Mary's Credit Union | 18 monthsRelationship Certificate · Relationship | $500 | Membership required · branches in CT, MA | 4.20% | October 22, 2026 Source text |
| Luana Savings Bank | 12 months12 Month KIDS CD & 2 Add-Ons · Special | $500 | Branches in IA | 4.19% | October 23, 2026 Source text |
| Cape Ann Savings Bank | 18 monthsCertificate of Deposit · Standard | $500 | Branches in MA | 4.18% | October 23, 2026 Source text |
| Croghan Colonial Bank | 60 monthsCD · Standard | $500 | Branches in OH | 4.18% | October 22, 2026 Source text |
| Fourleaf Federal Credit Union | 60 months60 Month Certificate · Standard | $50 | Membership required · branches in MD, NJ, NY | 4.15% | October 22, 2026 Source text |
| Meredith Village Savings Bank | 18 months1 1/2 Year (18 Month) CD or IRA CD · Standard | $500 | Branches in NH | 4.15% | October 22, 2026 Source text |
| Mid-Hudson Valley Federal Credit Union | 15 monthsCertificate · Standard | $500 | Membership required · branches in NY | 4.15% | October 22, 2026 Source text |
| Old National Bank | 11 months11-Month CD · Promotional | $500 | Branches in 10 states | 4.15% | October 23, 2026 Source text |
| Parke Bank | 12 monthsTime Deposit · Standard | $500 | Branches in NJ, PA | 4.15% | October 23, 2026 Source text |
| People First Federal Credit Union | 12 monthsShare Certificate · Standard | $500 | Membership required · branches in PA | 4.15% | October 22, 2026 Source text |
| TVA Credit Union | 48 months48 Month Certificate Account · Standard | $500 | Membership required · branches in TN | 4.15% | October 22, 2026 Source text |
| American Bank (Pennsylvania) | 90 daysPersonal CD · Standard | $500 | Branches in PA | 4.10% | October 23, 2026 Source text |
| Bellco Credit Union | 60 monthsTraditional CD · Standard | $500 | Membership required · branches in CO | 4.10% | October 24, 2026 Source text |
| Center Parc Credit Union | 24 monthsStandard CD · Standard | $500 | Membership required · branches in GA | 4.10% | October 24, 2026 Source text |
| Dade County Federal Credit Union | 12 months12-Month Share Certificate (CD) · Promotional | $500 | Membership required · branches in FL | 4.10% | October 23, 2026 Source text |
| Middlesex Savings Bank | 7 monthsSpecial Promo Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) · Promotional | $250 | Branches in MA | 4.10% | October 22, 2026 Source text |
| Service Federal Credit Union | 12 monthsShare Certificate · Standard | $500 | Membership required · branches in MA, ND, NH | 4.10% | October 23, 2026 Source text |
| Trumark Credit Union | 9 months9-month Certificate · Standard | $500 | Membership required · branches in PA | 4.10% | October 22, 2026 Source text |
| United Federal Credit Union | 7 months7 Month Special Share Certificate · Relationship | $500 | Membership required · branches in 7 states | 4.10% | October 22, 2026 Source text |
| Valley Bank | 6 months6-Month CD Promotion · Promotional | $500 | Branches in AL, CA, FL, IL, NJ, NY | 4.10% | October 22, 2026 Source text |
| Greenfield Savings Bank | 14 months14 Month Special · Promotional | $500 | Branches in MA | 4.07% | October 22, 2026 Source text |
| Grow Financial Federal Credit Union | 24 monthsCertificate Account · Standard | $500 | Membership required · branches in FL, SC | 4.07% | October 22, 2026 Source text |
| University of Michigan Credit Union | 3 monthsCertificate · Standard | $500 | Membership required · branches in MI | 4.06% | October 22, 2026 Source text |
| Bank of Bird-in-Hand | 6 monthsCD/IRA · Standard | $500 | Branches in PA | 4.05% | October 23, 2026 Source text |
| Colony Bank | 11 months11 Month CD Rate Special · Promotional | $500 | Branches in FL, GA | 4.05% | October 24, 2026 Source text |
| Credit Human Federal Credit Union | 120 monthsShare Certificate · Standard | $500 | Membership required · branches in LA, NC, TX, WA | 4.05% | October 22, 2026 Source text |
| First State Bank Nebraska | 18 monthsCertificate of Deposit · Standard | $500 | Branches in NE | 4.05% | October 23, 2026 Source text |
| FirstLight Federal Credit Union | 24 monthsShare Certificate · Standard | $500 | Membership required · branches in NM, TX | 4.05% | October 22, 2026 Source text |
| United Bank | 11 monthsDigital Rate CD · Promotional | $500 | Branches in 9 states | 4.05% | October 22, 2026 Source text |
| USF Federal Credit Union | 7 monthsShare Certificate · Promotional | $500 | Membership required · branches in FL | 4.05% | October 22, 2026 Source text |
| Vermont Federal Credit Union | 13 months13 Month Certificate - Limited Time Offer · Promotional | $5 | Membership required · branches in VT | 4.05% | October 22, 2026 Source text |
| Winchester Savings Bank | 9 months9 Month Certificate · Standard | $500 | Branches in MA | 4.01% | October 22, 2026 Source text |
| 1st Advantage Federal Credit Union | 8 monthsShare Certificate (with direct deposit) · Relationship | $500 | Membership required · branches in VA | 4.00% | October 24, 2026 Source text |
| 1st Source Bank | 15 monthsCD Special · Promotional | $500 | Branches in FL, IN, MI | 4.00% | October 24, 2026 Source text |
| 1st United Credit Union (California) | 36 monthsFixed-Rate Regular & IRA Certificate · Standard | $250 | Membership required · branches in CA | 4.00% | October 24, 2026 Source text |
| Amplify Credit Union | 12 monthsCertificate of Deposit · Promotional | $500 | Membership required · branches in TX | 4.00% | October 24, 2026 Source text |
| Associated Credit Union (Georgia) | 24 months2 Year CD · Standard | $200 | Membership required · branches in GA | 4.00% | October 24, 2026 Source text |
| Ballston Spa National Bank | 9 months9 Month CD/IRA · Promotional | $500 | Branches in NY | 4.00% | October 24, 2026 Source text |
| Bangor Savings Bank | 39 monthsBenefit Plus® Special Certificate of Deposit · Relationship | $500 | Branches in ME, NH | 4.00% | October 23, 2026 Source text |
| Brightbridge Credit Union | 10 months10 Month Certificate · Standard | $500 | Membership required · branches in CT, MA, NH, RI | 4.00% | October 24, 2026 Source text |
| Civista Bank | 15 months15 Month CD Special · Promotional | $500 | Branches in IN, OH | 4.00% | October 24, 2026 Source text |
| First Community Credit Union (Missouri) | 12 monthsCertificate of Deposit (CD) · Standard | $500 | Membership required · branches in IL, MO | 4.00% | October 22, 2026 Source text |
| First Source Federal Credit Union | 6 monthsYouth Share Certificate · Special | $500 | Membership required · branches in NY | 4.00% | October 23, 2026 Source text |
| INTRUST Bank | 9 months9-month CD · Promotional | $500 | Branches in AR, KS, OK | 4.00% | October 23, 2026 Source text |
| Ion Bank | 25 monthsCertificate of Deposit · Standard | $500 | Branches in CT, NJ | 4.00% | October 22, 2026 Source text |
| Manasquan Bank | 24 monthsCD · Standard | $500 | Branches in NJ | 4.00% | October 22, 2026 Source text |
| Mascoma Bank | 12 months12-Month CD/IRA Special · Promotional | $500 | Branches in NH, VT | 4.00% | October 22, 2026 Source text |
| Meritrust Credit Union | 10 months10 Month Certificate · Promotional | $500 | Membership required · branches in CO | 4.00% | October 23, 2026 Source text |
| Mid Penn Bank | 12 monthsCertificate of Deposit · Standard | $500 | Branches in NJ, PA | 4.00% | October 22, 2026 Source text |
| Mission Federal Credit Union | 11 months11-Month Flex Promo Certificate · Promotional | $500 | Membership required · branches in CA | 4.00% | October 22, 2026 Source text |
| Neighborhood Credit Union (Texas) | 12 monthsFlexPlus CD · Special | $500 | Membership required · branches in TX | 4.00% | October 22, 2026 Source text |
| North Country Federal Credit Union | 6 months6-Month Certificate · Standard | $250 | Membership required · branches in NY, VT | 4.00% | October 22, 2026 Source text |
| Northwest Bank | 12 months12 MTH CONSUMER CD SPECIAL · Promotional | $500 | Branches in IN, NY, OH, PA | 4.00% | October 22, 2026 Source text |
| Shore United Bank | 12 months12-23 Month CD Special · Promotional | $500 | Branches in DE, MD, VA | 4.00% | October 22, 2026 Source text |
| Solvay Bank | 182 daysCertificate of Deposit · Standard | $500 | Branches in NY | 4.00% | October 22, 2026 Source text |
| Southern Energy Credit Union | 13 monthsCertificate of Deposit (CD) · Standard | $500 | Membership required · branches in AL, GA, MS | 4.00% | October 22, 2026 Source text |
| Union County Savings Bank | 18 months18 Month CD - Statement & Passbook · Standard | $500 | Branches in NJ | 4.00% | October 22, 2026 Source text |
| Visions Federal Credit Union | 24 months24-Month Share Certificate · Standard | $500 | Membership required · branches in NJ, NY, PA | 4.00% | October 22, 2026 Source text |
| Westerra Credit Union | 19 monthsPromo Certificate of Deposit (CD) · Promotional | $500 | Membership required · branches in CO | 4.00% | October 22, 2026 Source text |
| Maine Community Bank | 12 monthsCertificate of Deposit (CD) Special · Promotional | $500 | Branches in ME | 3.95% | October 22, 2026 Source text |
| Mercantile Bank | 6 monthsCertificate of Deposit · Standard | $500 | Branches in MI | 3.95% | October 22, 2026 Source text |
| Sound Credit Union | 11 monthsCertificate Account · Promotional | $500 | Membership required · branches in WA | 3.95% | October 22, 2026 Source text |
| Webster First Federal Credit Union | 12 months12 Month Certificate · Standard | $500 | Membership required · branches in MA | 3.95% | October 22, 2026 Source text |
| Stearns Bank | 6 monthsStandard CD · Standard | $500 | Branches in AZ, FL, MN | 3.94% | October 22, 2026 Source text |
| Northrop Grumman Federal Credit Union | 12 monthsYOUth Boost 12-Month · Special | $250 | Membership required · branches in 10 states | 3.91% | October 22, 2026 Source text |
| Rosedale Bank | 12 monthsCertificate of Deposit · Standard | $500 | Branches in MD | 3.90% | October 22, 2026 Source text |
| VyStar Credit Union | 12 monthsYouth CD · Special | $100 | Membership required · branches in FL, GA | 3.90% | October 22, 2026 Source text |
| Customers Bank | 3 months3-month CD · Standard | $500 | Branches in NJ, NY, PA | 3.85% | October 22, 2026 Source text |
| Firstmark Credit Union | 11 monthsRegular CD · Promotional | $500 | Membership required · branches in TX | 3.85% | October 22, 2026 Source text |
| Gateway First Bank | 12 monthsCertificate of Deposit (CD) · Standard | $500 | Branches in AZ, CO, LA, OK, TN, WA | 3.85% | October 22, 2026 Source text |
| Wildfire Credit Union | 9 months9 Month Special · Promotional | $500 | Membership required · branches in MI | 3.85% | October 22, 2026 Source text |
| Palmetto Citizens Federal Credit Union | 12 monthsCertificate · Standard | $500 | Membership required · branches in SC | 3.82% | October 22, 2026 Source text |
| First Florida Credit Union | 24 months24 Month Sand Dollar Certificate · Special | $300 | Membership required · branches in FL | 3.80% | October 22, 2026 Source text |
| First National Bank of Hutchinson | 7 months7 month Add-On CD · Promotional | $500 | Branches in KS | 3.80% | October 22, 2026 Source text |
| Five Star Credit Union (Alabama) | 12 monthsShare Certificate · Standard | $500 | Membership required · branches in AL, GA | 3.80% | October 22, 2026 Source text |
| Armed Forces Bank | 18 monthsCertificate of Deposit · Promotional | $500 | Branches in 10 states | 3.75% | October 24, 2026 Source text |
| Bank Five Nine | 24 monthsYoung American CD · Special | $200 | Branches in WI | 3.75% | October 24, 2026 Source text |
| Benchmark Community Bank | 12 monthsSpecial Rate Certificate of Deposit · Relationship | $500 | Branches in NC, VA | 3.75% | October 24, 2026 Source text |
| ConnectOne Bank | 4 months4 Month Penalty-Free CD · Promotional | $500 | Branches in FL, NJ, NY | 3.75% | October 22, 2026 Source text |
| Eastman Credit Union | 365 daysLifeline Savers Certificate · Special | $100 | Membership required · branches in TN, TX, VA | 3.75% | October 22, 2026 Source text |
| ESL Federal Credit Union | 7 monthsCertificate – Fixed Rate · Standard | $500 | Membership required · branches in NY | 3.75% | October 22, 2026 Source text |
| First National Bank Texas | 8 months8 Month Fixed Rate CD · Promotional | $500 | Branches in AR, AZ, NM, TX | 3.75% | October 23, 2026 Source text |
| Five Star Bank (New York) | 11 monthsSpecial CD · Promotional | $500 | Branches in NY | 3.75% | October 22, 2026 Source text |
| Harborstone Credit Union | 12 months12-Month Certificate · Standard | $500 | Membership required · branches in WA | 3.75% | October 22, 2026 Source text |
| Meridian Bank | 3 monthsCD · Standard | $500 | Branches in FL, PA | 3.75% | October 22, 2026 Source text |
| Newtown Savings Bank | 18 months18 Month CD & IRA · Standard | $500 | Branches in CT | 3.75% | October 22, 2026 Source text |
| Park Community Credit Union | 9 monthsShare Certificate · Standard | $500 | Membership required · branches in IN, KY | 3.75% | October 22, 2026 Source text |
| Rivermark Community Credit Union | 10 months10-Month Loyalty CD · Relationship | $0 | Membership required · branches in OR, WA | 3.75% | October 22, 2026 Source text |
| Robins Financial Credit Union | 7 months7 Month Special Share Certificate · Promotional | $500 | Membership required · branches in GA | 3.75% | October 22, 2026 Source text |
| Shell Federal Credit Union | 6 monthsShare Certificate · Standard | $500 | Membership required · branches in TX | 3.75% | October 22, 2026 Source text |
| Summit Credit Union | 48 monthsCertificate · Standard | $500 | Membership required · branches in WI | 3.75% | October 22, 2026 Source text |
| Three Rivers Federal Credit Union | 6 monthsCertificate · Standard | $500 | Membership required · branches in IN, OH | 3.75% | October 22, 2026 Source text |
| Cape & Coast Bank | 4 months4 Month Special CD · Promotional | $500 | Branches in MA | 3.70% | October 24, 2026 Source text |
| Dieterich Bank | 12 monthsCD · Standard | $500 | Branches in IL | 3.70% | October 22, 2026 Source text |
| Fibre Federal Credit Union | 12 months12 Month Certificate · Standard | $500 | Membership required · branches in OR, WA | 3.68% | October 22, 2026 Source text |
| All In Federal Credit Union | 12 months12 Month Smart Start CD · Special | $25 | Membership required · branches in AL, FL, MS | 3.66% | October 24, 2026 Source text |
| Bank Midwest | 60 months60-month Certificate of Deposit · Standard | $500 | Branches in IA, MN, SD | 3.65% | October 23, 2026 Source text |
| Mazuma Credit Union | 18 monthsClassic CD · Standard | $500 | Membership required · branches in KS, MO | 3.65% | October 22, 2026 Source text |
| PSECU | 18 monthsCertificate · Standard | $500 | Membership required · branches in PA | 3.65% | October 22, 2026 Source text |
| Unitus Community Credit Union | 12 monthsCertificate of Deposit · Standard | $500 | Membership required · branches in OR, WA | 3.65% | October 22, 2026 Source text |
| Educational Employees Credit Union | 36 monthsShare Certificate · Standard | $500 | Membership required · branches in CA | 3.61% | October 22, 2026 Source text |
| Kitsap Credit Union | 24 monthsShare, Traditional & ROTH IRA Certificate · Standard | $500 | Membership required · branches in WA | 3.60% | October 22, 2026 Source text |
| National Bank of Blacksburg | 12 monthsCD Special · Promotional | $500 | Branches in VA | 3.60% | October 22, 2026 Source text |
| Rogue Credit Union | 24 monthsCertificates $500 or More · Standard | $500 | Membership required · branches in CA, ID, OR | 3.60% | October 23, 2026 Source text |
| Security Bank of Kansas City | 18 monthsCertificate of Deposit - Fixed Rate · Standard | $500 | Branches in KS, MO | 3.60% | October 22, 2026 Source text |
| GTE Financial | 12 monthsShare Certificate · Standard | $500 | Membership required · branches in FL | 3.56% | October 22, 2026 Source text |
| Kennebunk Savings Bank | 3 monthsPersonal CD · Standard | $500 | Branches in ME, NH | 3.56% | October 22, 2026 Source text |
| MutualOne Bank | 6 months6 Month CD · Promotional | $500 | Branches in MA | 3.56% | October 22, 2026 Source text |
| BayCoast Bank | 15 months15 Month Statement CD Special · Promotional | $500 | Branches in MA, RI | 3.55% | October 24, 2026 Source text |
| Florence Bank | 14 months14 Month CD · Standard | $500 | Branches in MA | 3.55% | October 22, 2026 Source text |
| SAFE Federal Credit Union | 12 monthsMillionaires of Tomorrow (Ages 0-12) · Special | $100 | Membership required · branches in SC | 3.55% | October 23, 2026 Source text |
| Tinker Federal Credit Union | 12 monthsStarting Line Share Certificate · Standard | $25 | Membership required · branches in OK, TX | 3.54% | October 22, 2026 Source text |
| Amerant Bank | 6 monthsCertificate of Deposit · Standard | $500 | Branches in FL | 3.50% | October 23, 2026 Source text |
| Amoco Federal Credit Union | 30 monthsStack-It Certificate · Special | $100 | Membership required · branches in TX | 3.50% | October 24, 2026 Source text |
| Beginnings Credit Union | 6 monthsCertificate · Standard | $500 | Membership required · branches in NY | 3.50% | October 24, 2026 Source text |
| Blackhawk Bank & Trust | 18 monthsSilver Hawk Club Certificate of Deposit · Special | $500 | Branches in IA, IL | 3.50% | October 24, 2026 Source text |
| BluPeak Credit Union | 6 monthsBluRipple Term Certificate · Standard | $500 | Membership required · branches in CA | 3.50% | October 24, 2026 Source text |
| DCU (Digital Federal Credit Union) | 12 monthsRegular Certificate · Standard | $500 | Membership required · branches in 9 states | 3.50% | October 22, 2026 Source text |
| Financial Plus Credit Union | 60 months60 Months · Standard | $500 | Membership required · branches in MI | 3.50% | October 22, 2026 Source text |
| Texans Credit Union | 3 monthsCertificate of Deposit · Standard | $500 | Membership required · branches in TX | 3.50% | October 22, 2026 Source text |
| First PREMIER Bank | 60 monthsReward CD · Relationship | $500 | Branches in SD | 3.45% | October 22, 2026 Source text |
| Peoples National Bank (Illinois) | 12 monthsCD Special · Promotional | $500 | Branches in IL, MO | 3.45% | October 22, 2026 Source text |
| SAFE Credit Union | 6 months6 Month Certificate Special · Promotional | $500 | Membership required · branches in CA | 3.45% | October 22, 2026 Source text |
| Amalgamated Bank | 12 months1-Year CD · Standard | $500 | Branches in CA, DC, NY | 3.40% | October 24, 2026 Source text |
| Credit Union ONE (Michigan) | 6 monthsCertificate of Deposit · Standard | $500 | Membership required · branches in MI | 3.30% | October 22, 2026 Source text |
| First Financial Credit Union (New Mexico) | 12 months1st Certificates · Special | $250 | Membership required · branches in NM | 3.30% | October 22, 2026 Source text |
| Red Canoe Credit Union | 6 months6 Month Certificate · Standard | $500 | Membership required · branches in OR, WA | 3.30% | October 22, 2026 Source text |
| Bank of New England | 12 monthsCertificate of Deposit · Promotional | $500 | Branches in MA, NH | 3.25% | October 23, 2026 Source text |
| BECU | 12 months12-17 Month CD with Member Advantage · Relationship | $500 | Membership required · branches in SC, WA | 3.25% Down from 3.50% | October 24, 2026 Source text |
| Centris Federal Credit Union | 7 monthsCertificate · Standard | $500 | Membership required · branches in IA, NE | 3.25% | October 24, 2026 Source text |
| Kennebec Savings Bank | 18 months18 Month CD · Promotional | $500 | Branches in ME | 3.25% | October 22, 2026 Source text |
| LAFCU | 12 monthsRegular Term Share Certificate · Standard | $50 | Membership required · branches in MI | 3.25% | October 22, 2026 Source text |
| UW Credit Union | 9 monthsRegular Certificate · Standard | $500 | Membership required · branches in WI | 3.25% | October 22, 2026 Source text |
| Truliant Federal Credit Union | 60 months60 Month Term · Standard | $250 | Membership required · branches in NC, SC, VA | 3.24% | October 22, 2026 Source text |
| Community 1st Credit Union (Iowa) | 60 months60 Month · Standard | $500 | Membership required · branches in IA | 3.20% | October 24, 2026 Source text |
| Tri City National Bank | 24 monthsCertificate of Deposit · Standard | $500 | Branches in WI | 3.15% | October 22, 2026 Source text |
| Independent Bank | 24 months24-Month CD · Standard | $500 | Branches in MI | 3.14% | October 23, 2026 Source text |
| Orrstown Bank | 6 monthsTraditional CD · Standard | $500 | Branches in MD, PA | 3.09% | October 22, 2026 Source text |
| Bar Harbor Bank & Trust | 5 months5-month CD special · Promotional | $500 | Branches in ME, NH, VT | 3.00% | October 24, 2026 Source text |
| Keesler Federal Credit Union | 12 monthsShare & IRA Certificate Accounts · Standard | $100 | Membership required · branches in AL, LA, MS | 3.00% | October 22, 2026 Source text |
| QNB Bank | 6 monthsGrowth CD · Standard | $500 | Branches in PA | 3.00% | October 22, 2026 Source text |
| First Guaranty Bank | 60 monthsFixed Rate CD · Standard | $500 | Branches in KY, LA, WV | 2.95% | October 22, 2026 Source text |
| Horizon Credit Union (Washington) | 12 months12 Month Student* · Special | $250 | Membership required · branches in ID, MT, OR, WA | 2.78% | October 22, 2026 Source text |
| ELGA Credit Union | 24 monthsLearn2Save · Special | $250 | Membership required · branches in FL, MI | 2.75% | October 22, 2026 Source text |
| Lake City Bank | 4 months4-Month Special CD · Promotional | $500 | Branches in IN | 2.75% | October 22, 2026 Source text |
| MAX Credit Union | 12 monthsCertificate Account · Standard | $500 | Membership required · branches in AL | 2.52% | October 22, 2026 Source text |
| Capital Credit Union (Wisconsin) | 12 monthsDream Builder Flex Certificate · Standard | $1 | Membership required · branches in WI | 2.50% | October 24, 2026 Source text |
| First Citizens Bank | 3 monthsCertificate of Deposit · Standard | $500 | Branches in 23 states | 2.50% | October 22, 2026 Source text |
| One Community Bank | 182 daysCD · Standard | $500 | Branches in WI | 2.50% | October 22, 2026 Source text |
| Somerset Regal Bank | 10 monthsCertificate of Deposit · Standard | $500 | Branches in NJ | 2.50% | October 22, 2026 Source text |
| Michigan Schools and Government Credit Union | 24 monthsGrow-With-Me CD · Standard | $250 | Membership required · branches in MI | 2.25% | October 22, 2026 Source text |
| Sturdy Savings Bank | 12 monthsCertificate of Deposit · Relationship | $500 | Branches in NJ | 2.25% | October 22, 2026 Source text |
| ZEAL Credit Union | 60 monthsCertificate of Deposit · Standard | $500 | Membership required · branches in MI | 2.20% | October 22, 2026 Source text |
| Honor Credit Union | 60 monthsStandard Certificate of Deposit · Standard | $50 | Membership required · branches in MI | 2.15% | October 22, 2026 Source text |
| Connex Credit Union | 60 monthsStandard Term Share Certificate with Your Choice Checking · Relationship | $500 | Membership required · branches in CT, GA | 1.90% | October 22, 2026 Source text |
| Clearview Federal Credit Union | 12 monthsFlex Savings Certificate · Standard | $100 | Membership required · branches in OH, PA | 1.85% | October 24, 2026 Source text |
| Members 1st Federal Credit Union | 36 monthsCertificate · Standard | $500 | Membership required · branches in PA | 1.70% | October 22, 2026 Source text |
| Bank of Princeton | 3 monthsCertificate of Deposit · Standard | $500 | Branches in NJ, NY, PA | 1.50% | October 24, 2026 Source text |
| Ephrata National Bank | 7 months7-11 Month CD or IRA · Standard | $500 | Branches in MD, PA | 1.15% | October 22, 2026 Source text |
| Associated Bank | 12 months12 month add on CD · Standard | $100 | Branches in IA, IL, MN, MO, NE, WI | 1.00% | October 24, 2026 Source text |
| 1st MidAmerica Credit Union | 12 months12 Month Youth Velocity Share Certificate · Special | $300 | Membership required · branches in IL, MO | 0.95% | October 24, 2026 Source text |
| OceanFirst Bank | 84 monthsCertificate of Deposit · Standard | $500 | Branches in NJ, NY, PA | 0.50% | October 22, 2026 Source text |
| The Park Bank | 60 months5-Year CD · Standard | $500 | Branches in WI | 0.50% | October 22, 2026 Source text |
| Bank of New Hampshire | 60 monthsPrestige 5 Year CD · Relationship | $500 | Branches in NH | 0.40% | October 24, 2026 Source text |
| North Shore Bank | 30 months2 ½-year Homeowner CD · Special | $50 | Branches in IL, WI | 0.35% | October 22, 2026 Source text |
| Camden National Bank | 24 months2-Year CD/IRA · Standard | $500 | Branches in ME, NH | 0.25% | October 24, 2026 Source text |
| Great Lakes Credit Union (Illinois) | 12 monthsSave to Win 1yr · Special | $25 | Membership required · branches in IL | 0.15% | October 22, 2026 Source text |
| Central Pacific Bank | 12 monthsExceptional Preferred Certificate of Deposit (CD) · Relationship | $500 | Branches in HI | 0.13% | October 24, 2026 Source text |
| Valley Strong Credit Union | 12 months12 Months Simple Savers Certificate · Standard | $25 | Membership required · branches in CA | 0.05% | October 22, 2026 Source text |
Compare with public benchmarks
The highest tracked quote is 5.20% APY for 24 months. The Treasury APY-equivalent for a similar term is 4.70% (2026-10-22). The FDIC national average for a similar term is 1.55% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Tower Federal Credit Union has the highest APY in this tracked sample of 265 institutions: 5.20% APY for 24 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes