Best 9-month CD rates

Requirements

Product: Certificates earn dividends at higher rates than share savings accounts and money market accounts, but require funds to be locked in for a predetermined maturity period. Dividends are paid at maturity.

Offer: APY is stated as 'as high as 3.60%'. Terms offered range from 3 months to 36 months with a minimum deposit of $1,000. Dividends paid at maturity.

Requirements

Product: Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.

Offer: Silver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month).

Requirements

Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.

Requirements

Product: Multiple terms ranging from 6 to 60 months. Membership subject to eligibility. Federally insured by NCUA.

Offer: Dividends paid at maturity.

Requirements

Product: Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000). Fixed rate during term. Automatically renewable. Additional deposits not permitted during term except during 7-day grace period after maturity. Monthly interest check available on accounts of $5,000 or greater.

Requirements

Product: Certificate account specials must have a Demand Deposit Account relationship. APY is accurate as of 10/21/2026, is for a limited time, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees and/or withdrawal of interest will reduce earnings. Withdrawal before maturity may result in loss of principal to you.

Offer: Compounded monthly. Must have a Demand Deposit Account relationship.

Requirements

Product: Limited-time promotional CD offer. Fixed-rate deposit product. Minimum balance of $500.00 required to open the account and earn the stated APY. Early withdrawal penalty applies.

Offer: Promotional CD. Interest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies.

Requirements

Product: A $5,000.00 minimum balance is required to receive a monthly interest check or have monthly interest transferred to another WFS account. Once opened, additions are not permitted until maturity. Early withdrawal penalty: 3 months interest on terms less than 1 year; 6 months interest on terms 1 year and over. Automatically renews with a 7-day grace period.

Offer: Special offer.

Requirements

Product: Membership condition requires purchasing and maintaining at least 1 share in a Primary Share account (par value $5.00). Early withdrawal penalties apply based on term length (3 months: 30 days' dividends; 6 months: 60 days' dividends; 9 months: 90 days' dividends; 12 months or greater: 120 days' dividends). Partial withdrawals are not allowed. 10-day grace period after maturity for auto-renewals.

Requirements

Product: Minimum deposit is $500. Terms and Conditions subject to change without notice. Penalty may be imposed for early withdrawal.

Requirements

Product: Low minimum deposit of $500.00 for CDs of 18 months or shorter, $1,000.00 for 24-60 month CDs. Terms range from 91 days to 60 months. Penalty for early withdrawal. Interest may be compounded, transferred to another account, or sent by check.

Offer: Compounded quarterly (QTL). Early withdrawal penalty of 30 days. One withdrawal per term with penalty.

Requirements

Product: We are not accepting financial institution's deposits at this time. A penalty will or may be imposed for early withdrawal.

Offer: Early withdrawal penalty is 270 days.

Requirements

Product: Minimum investment of $500.00 ($10,000.00 for 9 Months Special). Maximum investment of $100,000.00 per account. Early withdrawal penalties may apply.

Offer: 9 Months SPECIAL

Requirements

Product: Available to Harvard FCU members. Must maintain a minimum daily balance of $1,000 to earn posted APY. APY assumes principal and interest remain on deposit until maturity. Crimson Elite checking account holders receive an additional 0.10% bonus to dividend rate and APY. Early withdrawal penalty applies.

Offer: Featured certificate. Minimum daily balance of $1,000 must be maintained to earn posted APY.

Requirements

Product: Rates effective as of October 1, 2026. Penalty may be imposed for early withdrawal. Rates will normally change every Wednesday, but are subject to change at any time.

Offer: Penalty may be imposed for early withdrawal.