Best CD rates and certificates

Requirements

Product: 18-Month Special: At maturity, the CD will be renewed into a 24-month CD. Special certificates will automatically renew on their maturity date. Members receive a 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Penalties for early withdrawal: 1 Year: 90 days of interest; 2 Years: 180 days of interest. Limited time offer subject to end at any time.

Offer: Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty).

Requirements

Product: For loved ones opening an account after a member passes away. Funds must have been on deposit at DMCU at the time of death. The individual must be a representative, beneficiary or joint owner of the descendant's account and qualify for membership. Allows two withdrawals without penalty; third withdrawal assesses penalty and closes account. Minimum deposit $5,000, maximum deposit $1,000,000.

Offer: Must be representative, beneficiary or joint owner of descendant's account with funds on deposit at DMCU at time of death. Two withdrawals allowed without penalty during term; third withdrawal incurs penalty and closes account.

Requirements

Product: Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.

Offer: Qualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account.

Requirements

Product: 8-month special. New-to-FCU funds only from livestock sale proceeds. Youth livestock sales at listed county fairs (Saginaw, Genesee, Tuscola, Huron, Bay, Midland, Ogemaw, Sanilac, Shiawassee, Lapeer). Minimum investment cell blank. Penalty for early withdrawal.

Offer: For funds new to FCU only. Must use proceeds of livestock sale to open CD. Eligible fair/check sources listed in footnote.

Requirements

Product: Certificate term is 11 months and will automatically renew to a 12-month certificate at the rate in effect at the time of renewal. $5,000 minimum balance is required with no maximum. 0.25% APY bonus when you meet the Boost Checking Account qualifications within 90 days of certificate opening. Boost Checking Qualifications include direct deposits totaling $900 or more, electronic statements, and 25 or more qualifying debit/credit card purchases. 0.25% APY bonus with existing or new Dort Financial CU Visa credit card within 90 days. Maximum APY of 5.00%. APY bonuses are retroactive. Consumer certificates only. Early withdrawal penalty applies.

Offer: Maximum APY of 5.00% including relationship bonuses: 0.25% APY bonus when meeting Boost Checking Account qualifications within 90 days of certificate opening; 0.25% APY bonus with existing Dort Financial CU Visa credit card or when opening a new Dort Financial CU Visa credit card within 90 days. APY bonuses are retroactive to first day of dividend posting period. Certificate term is 11 months and renews to 12-month certificate. $5,000 minimum balance. Early withdrawal penalty applies.

Requirements

Product: New money only (funds not on deposit at orsa within the 30 days prior to account opening). $10,000 minimum deposit required to open and earn stated APY. Penalty of 180 days' dividends for early withdrawal. Wire transfer fees up to $50 waived.

Offer: New money only. Early withdrawal penalty of 180 days' dividends. Wire transfer fees up to $50 waived.

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: Automatic renewal at maturity. Penalty for early withdrawal.

Offer: New Money Only. Penalty for early withdrawal.

Requirements

Product: Certificate term is 4 months and will automatically renew to a 6-month certificate at the posted rate at the time of renewal. $5,000 minimum balance is required with no maximum. Certificate is for new money to Dort Financial Credit Union only. The APY assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings. Certificate is subject to penalty for early withdrawal. Consumer and business accounts eligible. Limited time offer.

Offer: Limited-time promotional certificate. Automatically renews to a 6-month certificate at posted rate upon maturity. Requires new money to Dort Financial Credit Union. Early withdrawal penalty applies. Consumer and business accounts eligible.

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: Membership eligibility required. $500 minimum opening deposit. Early CD withdrawal penalties may apply. Interest paid monthly. 11-Month and 21-Month promo rate terms revert to non-promo 12-Month and 24-Month terms upon maturity.

Offer: Advantage Plus Rewards rate. Account activity must meet qualifications as Advantage Plus Rewards at time of opening. Advantage Plus CD Rate Premium = 0.25% APR on new CDs applied for the full term. Promotional 11-Month term reverts to non-promotional 12-Month term upon maturity. Assumes dividends remain until maturity. Early withdrawal penalty applies.

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.