Best 1-year CD rates

Requirements

Product: Potential members must qualify for membership: live in Box Elder or Cache County, have an immediate family member with an account, or work at a Select Employee Group (SEG). If opting for the one-time bump option, original CD rate will be 0.25% lower than stated. Dividends pay quarterly. Penalties for early withdrawal may apply.

Offer: Dividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply.

Requirements

Product: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.

Requirements

Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.

Requirements

Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.

Offer: Earns traditional certificate APY.

Requirements

Product: Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.

Requirements

Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.

Requirements

Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.

Requirements

Product: Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.

Requirements

Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.

Offer: Member Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing.

Requirements

Product: Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.

Offer: Interest compounded and paid quarterly.

Requirements

Product: No maintenance fees. FDIC insured fixed rates. Penalties apply for early withdrawal. Minimum balances vary based on term. Renews automatically at interest rate in effect at time of maturity, with 10 days to redeem before locked in. Promotional CDs excluded from standard renewal terms.

Offer: 12 month special. After maturity, rolls into the 12-month term earning rate in effect at that time. Not valid with any other promotional offers.