Best 9-month CD rates

Requirements

Product: Membership eligibility required. Promotional certificate of deposit. Account is subject to penalty for early withdrawal. Fees could reduce earnings.

Offer: Traditional and Roth IRA CDs not available.

Requirements

Product: Must be a member or qualify for membership to open a certificate. Federally Insured by NCUA.

Offer: Special Promo. New 9-Month Term Savings Certificate minimum balance required of $2,500 or more to earn 3.75% APY. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At maturity, if no action is taken, funds will automatically roll over into a standard, non-promotional 6-Month Term Savings Certificate at the then current rate.

Requirements

Product: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.

Requirements

Offer: Fixed rate paid until maturity. Daily balance method. Interest credited at maturity. Automatically renews at a 9 month term. Early withdrawal penalty: 6 months interest.

Requirements

Product: Fixed interest rates for guaranteed returns. Terms range from 91 days to 60 months. No setup or maintenance fees. Interest paid monthly if compounded, deposited to a Unico Bank checking/savings account, or paid via ACH; paid quarterly if paid via check. Automatically renews at maturity unless requested otherwise at opening. Early withdrawal penalty applies.

Offer: 9 Month term. Early withdrawal penalty applies.

Requirements

Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).

Requirements

Product: Minimum deposit required to open an account $500.00 to earn stated APY. Fixed dividend rate and APY for the term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal of principal. Requires $5 deposit into a Membership Savings Account.

Requirements

Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.

Offer: Family Advantage Silver tier.

Requirements

Product: $500.00 minimum opening deposit required to open and obtain the APY. Early withdrawal penalty. 12 month add-on requires a minimum deposit of $500.00 to open ($10,000 maximum); additional funds may be deposited at a minimum of $100.00 per deposit. Simple interest calculation based on a 365 day basis. Long term relationship pricing available upon contacting the bank.

Offer: Early withdrawal penalty. Simple interest calculation based on a 365 day basis.

Requirements

Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.

Offer: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Early withdrawal penalty may apply.

Requirements

Product: Rates effective: October 21, 2026. $1,000 minimum to open and $1,000 balance needed to earn the stated APY. APY assumes funds remain in the account until maturity. Early withdrawals may incur penalties and fees may reduce savings. Rates are guaranteed for the length of the term with fixed rate term accounts.

Offer: Term: 9 months.

Requirements

Product: Open account in person. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Offer: Open account in person

Requirements

Product: A minimum of $10,000 in new money is required to open this account and get the special rate. \"New money\" is defined as funds not currently on deposit with FCCB. Fees may reduce earnings, and a penalty may be imposed for early withdrawal. Interest is compounded quarterly, and an active checking account is required.

Offer: 9-Month CD Special; requires $10,000 minimum new money and active checking account