Best CD rates and certificates

Requirements

Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.

Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.

Requirements

Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.

Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.

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 A penalty will be imposed if funds are withdrawn prior to maturity date.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: 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: Must open initial accounts in-person at a branch office. Penalties apply for early withdrawal. Select terms from 3 months to 5 years available; contact local branch for other terms and rates.

Offer: Requires $500 minimum balance to earn the APY. Penalty for early withdrawal.

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: Limited time offer. Minimum amount required to open Certificate of Deposit account is $250. To obtain disclosed APY a minimum daily balance of $250 is required. (APY) assumes principal and interest remain on deposit for term. Interest payments are made quarterly and at end of term. Early withdrawal penalty may be imposed. Fees could reduce earnings.

Offer: Requires Flagship Checking Account (.25% interest rate bump). Flagship checking account must remain open for 6 months or an early account closing fee of $25 will be applied. Trust, Estate, and other specialty titled accounts and employees are excluded.

Requirements

Product: Dividends compounded and credited quarterly. Penalty for early withdrawal.

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: Features include a one-time additional deposit and a one-time rate change/bump during the term with no penalty. Minimum deposit to open is $5,000.00. Term: 36 months.

Offer: Allows one rate change and one-time additional deposit during the term with no penalty. Minimum daily balance to earn dividends is $5,000.00.