Best CD rates and certificates

Requirements

Product: No withdrawal penalty.

Offer: No withdrawal penalty.

Requirements

Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 13, 2026.

Offer: Minimum average daily balance to earn APY is $500.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.

Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.

Requirements

Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.

Requirements

Product: Must open and fund a Pibank Savings account and link to the Pibank CD. Monthly interest earned is deposited into the linked Pibank Savings account.

Offer: Requires opening and funding a linked Pibank Savings account. Monthly interest is paid into the linked Pibank Savings account. Subject to early withdrawal penalties.

Requirements

Product: Offer applies to New Money Only for domestic personal accounts opened online.

Offer: Offer applies to New Money Only for domestic personal accounts opened online.

Requirements

Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.

Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.

Offer: Term: 1 year (365-730 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.

Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.

Offer: Opened in Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.

Offer: Term: 6 months (180-364 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.

Requirements

Product: Limited time offer valid starting August 2026. $500.00 minimum opening deposit. Advertised APYs include a 0.25% rate increase for new money, requiring opening with at least $10,000 from another financial institution. At maturity, certificate will rollover to the same term at current standard rate unless otherwise directed. Early withdrawal penalty applies and may reduce earnings. Dividends compounded and credited monthly and at maturity. Baptist Health South Florida Federal Credit Union membership required.

Offer: Advertised APY includes a 0.25% rate increase for \"new money.\" To receive this APY, you must open the certificate with at least $10,000 from another financial institution.

Requirements

Product: Advertised rates apply only in the state of Florida for domestic accounts. CD must be opened with new funds deposited into Amerant Bank. For accounts opened at a Banking Center location: minimum balance to open and obtain APY is $10,000 up to a maximum of $500,000. For accounts opened online: minimum balance to open and obtain APY is $500 up to a maximum of $250,000. Individual customers must be U.S. citizens or resident aliens with a valid U.S. Taxpayer Identification Number. No monthly service fee. Early withdrawal penalties apply.

Offer: Promotional CD offer valid for Florida residents. Must open account by 2026-11-10 to get promotional rate. Minimum $10,000 deposit and balance from external source required. Maximum deposit $250,000 per account ($500,000 per customer). Account must be opened online or in-branch. Personal accounts only. 10-day rate guarantee.