Best CD rates and certificates

Requirements

Product: Accounts available for individuals only. Online CD. No monthly maintenance fee, ACH fee or online Account fee.

Offer: Early withdrawal penalty equals 3 months' worth of interest.

Requirements

Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.

Offer: 12-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.

Requirements

Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.

Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.

Requirements

Product: Early withdrawal penalties apply: CD terms ≤ 1 year – Early withdrawal penalty is equal to 30 days' worth of dividends; CD terms > 1 year – Early withdrawal penalty is equal to 90 days' worth of dividends. Dividends added quarterly. No fee if account falls below minimum balance.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Available with new money only (funds from a non-Options account). Cannot be combined with Loyalty Rewards. 90-day early withdrawal penalty. At maturity, automatically renews into a standard 6-month term.

Offer: Limited-time special offer for new money only. Cannot be combined with Loyalty Rewards. At maturity renews into a standard 6-month term.

Requirements

Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.

Requirements

Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

Requirements

Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.

Offer: Compounds monthly. Early withdrawal penalties may apply.

Requirements

Product: Interest earned is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Automatically renews to a fixed rate CD of equivalent term.

Requirements

Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.

Requirements

Product: Open with as little as $500. Early withdrawal penalties may apply. Rates apply to consumer accounts only. Membership eligibility required.

Offer: Minimum balance to earn APY is $500.

Requirements

Product: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.

Offer: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account.

Requirements

Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.