Best CD rates and certificates

Requirements

Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.

Offer: Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.

Requirements

Product: Interest will compound quarterly and will be credited to the account quarterly. The daily balance method is used to calculate interest. Automatically renewable with a 10 calendar day grace period after expiration to add or change the term with no penalty. Substantial penalty may be imposed for early withdrawals. 6 month, 1, 2, 3, 4, 5 and 7 year CDs can be opened online. Available as collateral for a loan.

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: Dividends calculated and credited monthly using Daily Balance Method. Early withdrawal penalty may apply. Fees could reduce earnings.

Requirements

Product: Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.

Offer: Effective as of 2026-09-23. Subject to change.

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: Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.

Requirements

Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.

Requirements

Product: Compounding dividends computed daily and paid quarterly. Automatically renews at maturity. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications. Additional deposits not allowed once opened.

Requirements

Product: Dividends paid monthly. Fixed rates in effect for the term of the account. A penalty may be imposed for early withdrawal. Must be a SunWest member to open.

Requirements

Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.

Requirements

Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.

Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.

Requirements

Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.

Offer: Early-withdrawal penalties may apply. Dividends credited monthly.

Requirements

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