Best CD rates and certificates

Requirements

Product: Minimum deposit of $250 required. Member merits do not apply. The 5-month promotional certificate is for new money only (funds not on deposit during promotion period, unless deposited in prior 30 days; cannot be transferred from existing account). Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 4.89%. Minimum deposit of $250 required. Member merits do not apply. For new money only. APY accurate as of 10/15/2026. Limited time offer. Early withdrawal penalties apply.

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 A penalty will be imposed if funds are withdrawn prior to maturity date.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: 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: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return. You can start with as little as $500 and set your own term up to 60 months.

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

Offer: Limited time offer.

Requirements

Product: Accrued interest is added to account; earns simple interest. Early withdrawal penalty applies: for 1-year CDs, 90 days' interest; for CDs with terms more than 1 year, 180 days' interest. 10-day grace period. Account maximum $1,000,000. Interest credited every 3 months.

Offer: Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty of 90 days' interest may apply.

Requirements

Product: Must be at least 18 years old, a U.S. citizen or lawful permanent resident with a U.S. physical address and U.S.-based mobile phone number. No minimum deposit required to open or maintain account, but account balance may not exceed $1,000,000. No monthly cycle service charge. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms over 12 months).

Offer: For terms 12 months or less, early withdrawal penalty is 3 months of interest. Rate applies to entire account balance.

Requirements

Product: Personal accounts only. A penalty will be imposed for premature withdrawal. Maximum deposit amount is $500,000 for Special CD and Special IRA CD.

Offer: Personal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000.

Requirements

Product: No monthly maintenance fees. APY is fixed for the term of the CD but subject to change upon renewal. Early withdrawal penalty applies. Ten Day Best Rate Guarantee. Compound interest daily. Available to open in the name of a trust. Automatic renewal at maturity. 0.05% Loyalty Reward when renewing to any CD.

Offer: No minimum deposit to open or earn APY. Fixed rate. Early withdrawal penalty applies (60 days loss of interest).