Best CD rates and certificates

Requirements

Product: Dividends calculated by applying a daily periodic rate to principal and compounded monthly. Early withdrawal penalties apply: terms 18 months or less forfeit 90 days' dividends; terms 2 years or longer forfeit 180 days' dividends. Membership share of $5.00 required.

Offer: Northern Kentucky Special; available for residents of specified ZIP codes. Renews at 1-year rate and term.

Requirements

Product: Each member may only have one account. Requires direct monthly transfer from savings ($20 min/$400 max per month for 24-month terms; $20 min/$200 max per month for 48-month terms). One withdrawal allowed within a 90-day period; a subsequent withdrawal in the same 90-day period incurs penalty and closes account. Will not renew at maturity; funds transfer to Regular Savings. Dividends paid annually on anniversary of open date.

Offer: Required monthly transfer from savings: $20 minimum, $400 maximum per month. Dividends compounded and credited annually. One withdrawal allowed per 90-day period. Transfer to Regular Savings at maturity.

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 A penalty will be imposed if funds are withdrawn prior to maturity date.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: Must have a physical address in the United States and satisfy applicable age of majority requirements. Early withdrawal penalties apply (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-day grace period. No monthly maintenance fees.

Offer: Advertised Interest Rate and Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. Penalty may be charged for early withdrawal.

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: Offers apply to personal non-IRA accounts only. Penalty may be imposed for early withdrawals. No minimum balance required.

Requirements

Product: Dividends compounded and credited monthly using average daily balance method. Early withdrawal penalties apply and may reduce earnings. Membership eligibility requirements apply.

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: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.

Offer: Limited time offer.

Requirements

Product: Early withdrawal penalty applies. Term lengths range from 3 to 60 months. Automatically renews at best available rate for similar term with 10-day grace period. Interest calculated using daily-balance method.

Offer: Early withdrawal penalty may be imposed. Interest compounded/credited as set up with account (Quarterly/Semi-annually/Annually/At Maturity).

Requirements

Product: One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at renewal unless otherwise directed. $1,000 minimum opening balance. Early withdrawal penalties apply and may reduce earnings. Membership eligibility requirements apply.

Offer: One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 36-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed.