Best CD rates and certificates

Requirements

Product: Gold Rewards are not eligible for this special.

Offer: Gold Rewards are not eligible for this special.

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 A penalty will be imposed if funds are withdrawn prior to maturity date.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: 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: $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: 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: 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: Interest will compound quarterly and will be credited to the account quarterly. The daily balance method is used to calculate interest. Automatically renewable with a 10 calendar day grace period after expiration to add or change the term with no penalty. Substantial penalty may be imposed for early withdrawals. 6 month, 1, 2, 3, 4, 5 and 7 year CDs can be opened online. Available as collateral for a loan.

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: No setup or maintenance fees. Early withdrawals subject to penalty. Interest rate and APY may change after account opening.

Requirements

Offer: New money only

Requirements

Product: All OMB Bank CDs can be opened online nationwide or at any OMB Bank branch. Requires a $1,000 minimum opening deposit and a minimum balance of $0.01 to earn APY. Rates are fixed for the selected term. Early withdrawal penalties apply.

Offer: 21-Month CD Special. Interest compounds quarterly. Renewal rate is based on the 18-month board rate in effect at maturity.

Requirements

Product: Fixed rate investments. Flexible investment terms. Minimum investment amount based on term. Certificates auto-renew. Penalty for early withdrawal may reduce earnings.