Best 4-year CD rates

Requirements

Offer: Penalty may be imposed for early withdrawal.

Requirements

Product: Minimum opening deposit of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.

Offer: 48-Month Bump-Up; members have the option once during the term to elect in writing to receive the higher rate being offered on Bump-Up Share or IRA Certificates

Requirements

Product: *APY on Savings accounts and CD's are based on quarterly compounding of interest except for 3 and 6 month which are paid at maturity. *A service fee will be charged if balance falls below minimum balance. Seniors and students may be exempt from the monthly service fees. A penalty may apply for early withdrawal on Time Certificates of Deposit.

Offer: Quarterly compounding of interest.

Requirements

Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.

Requirements

Product: Deposit accounts are only available to residents of Iowa in Polk, Jasper, and surrounding counties. Substantial penalty for early withdrawal. Interest compounds quarterly. CD Rate Advantage: Once during the term, you may exchange your interest rate for the current 48-month CD rate. The new rate will equal the rate of the applicable tier based on your CD balance.

Requirements

Product: All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.

Offer: Standard Certificate tier. Daily balance method.

Requirements

Product: All Term Share Accounts require a $500.00 minimum balance to open. Jumbo Term Share Accounts ($100,000.00 minimum deposit) earn 0.15% dividend rate above standard Term Share Accounts dividend rate (Simple Interest) when opened new or at renewal. Early withdrawal penalties apply (loss of dividends on amounts withdrawn that would have accrued over 50% of the remaining term). Automatically renews upon maturity.

Offer: 4 Year Term Share Account.

Requirements

Product: FDIC insured up to the maximum amount ($250,000). Guaranteed fixed interest rates. Subject to penalty for early withdrawal. Interest rates subject to change.

Offer: Term: 48 months. Subject to penalty for early withdrawal. Interest rates subject to change.

Requirements

Product: Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.

Requirements

Product: Dividends earned daily, compounded and posted quarterly (except 6-month term where dividend is paid at end of term). Early withdrawal penalty may apply. Fees may reduce earnings. 24-month or longer certificates may qualify for Customiser Coupons to bump rate and/or add deposits.

Offer: Dividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit.

Requirements

Product: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Offer: 48 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

Requirements

Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.

Offer: Certificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more.

Requirements

Product: Minimum balance $1,000. All accounts are insured to $1,000,000 by American Share Insurance. Online-only certificate promotions are available to current members through home banking or mobile banking only. Early withdrawal penalties apply. 9-month and 13-month certificates auto-renew to a 12-month certificate at maturity.

Requirements

Product: A minimum balance of $250.00 is required to open this account. Interest will be compounded and credited annually for terms equal to and greater than one year. Interest will be compounded and credited at maturity for CD terms less than 12 months. Early withdrawal penalties apply.

Offer: Interest compounded and credited annually. Penalty of 12 months interest on amount withdrawn may be imposed for early withdrawal.

Requirements

Product: Minimum opening balance $500. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Bump-up option available on 30-month term certificates. Rates subject to change at any time.