Best CD rates and certificates

Requirements

Product: Dividends are paid quarterly and deposited to certificate. 90-day early withdrawal penalty, 10-day grace period at end of contract. Dividends are paid on entire balance if minimum balance is met. Subject to change quarterly.

Offer: 1 year term. Dividends paid quarterly and deposited to certificate. 90-day penalty for early withdrawal; 10-day grace period at end of contract. Dividends paid on entire balance if minimum balance is met.

Requirements

Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. Compounded and credited monthly for terms of 6 months or greater. Compounded and credited at maturity for terms of less than 6 months. Early withdrawal penalty may apply. APY requires $500 minimum balance to open and obtain APY ($100 for Fair CD). Rates effective as of October 22, 2026. FDIC insured up to $250,000.

Offer: 18 Month YOUTH Fair CD Special; Preferred Rate with Franklin Jr. Savings Account (Ages 12 and under) or any BFC Checking Account (Ages 13-22); Account holder must be 22 years of age or younger and present ribbon or sash from any 2026 fair; Limited to 1 CD per account holder; Offer expires 11/15/26

Requirements

Product: Membership requirements apply. Certificate is a fixed rate, fixed term account; stated APY applies to the initial term assuming all dividends remain until maturity. Dividends compound monthly. Early withdrawal penalty applies and fees may reduce earnings. Upon maturity, non-IRA promotional certificate funds transfer to regular share account unless alternative withdrawal instructions are provided.

Offer: Fixed rate and term for initial 30 months. Stated APY applies to initial term assuming dividends remain until maturity; compounded monthly. Transfer to regular share account upon maturity unless alternative withdrawal instructions provided.

Requirements

Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.

Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.

Requirements

Product: $10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.

Offer: Fixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 730 days simple interest for terms >=60 months.

Requirements

Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.

Requirements

Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.

Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.

Requirements

Product: Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.

Offer: Open a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end.

Requirements

Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.

Requirements

Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.

Requirements

Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.

Requirements

Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.

Requirements

Product: Penalty may be imposed for early withdrawal.

Offer: New Money Only - funds not currently held on deposit with FMB. Interest compounded monthly. At maturity, renews to a 3-Month term. Penalty for early withdrawal.

Requirements

Product: Early withdrawal on share certificates may affect dividends earned.

Offer: 35 Month *Special*

Requirements

Offer: 1 year certificate rate stated as 4.50% APR - 4.57% APY.