Best CD rates and certificates

Requirements

Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.

Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.

Requirements

Product: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.

Requirements

Product: No setup fees. Minimum initial deposit is $1,000.

Offer: Tax Deferred Certificate. Compounding at maturity. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends).

Requirements

Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.

Offer: Allows additional deposits in increments of $100.00 or more up to $100,000.00 through the term. Early withdrawal penalty is 120 days dividends.

Requirements

Product: Fixed rate CD. Length of deposit 1 to 5 years. Additional deposits not allowed. Early withdrawal penalty is 180 days interest (waived upon death or legal incompetence of account holder).

Offer: 1 Year CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100).

Requirements

Product: Minimum deposit of $250 required. Member merits do not apply. For new money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 3.78%. For new money only, except up to $5,000 existing funds when opened in branch. Member merits do not apply.

Requirements

Product: Interest is compounded daily and credited quarterly. Fees could reduce earnings. Penalty may be imposed for early withdrawal. Rates are for Consumer and Business accounts, not for IRA accounts. Public Funds exclusions apply.

Offer: 12-month CD Special earning up to 3.75% APY. Minimum deposit of $1,000 to open and earn APY. On maturity, automatically rollovers into 6 month renewal CD.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Penalties for early withdrawal will be assessed. 36, 48 and 60 month certificates allow one additional deposit and one rate bump during the certificate term.

Requirements

Product: Each $25 deposit earns an entry into monthly and quarterly prize drawings. Unlimited deposits allowed subject to Official Account and Prize Entry Rules.

Offer: Participating members may deposit unlimited funds with an unlimited number of deposits.

Requirements

Product: After account is opened, additional deposits are not allowed. Early withdrawal penalty applies: 12 months or less: $25 plus 90 days dividends; 13–24 months: $25 plus 180 days dividends; 25–60 months: $25 plus 270 days dividends.

Requirements

Product: Federally insured by NCUA up to $250,000. Membership eligibility required. Fixed rate and term. Penalty applies for early withdrawal. 10-day grace period at maturity for penalty-free renewals and additional deposits. Dividends compounded and credited monthly based on daily balance method. Dividends can be paid and transferred monthly to another account (reduces APY).

Offer: Early withdrawal penalty: dividends since issuance/renewal or 120 days dividends, whichever is smaller. Dividends compounded and credited monthly. Daily balance method.

Requirements

Product: $500 minimum opening deposit for Regular Certificates. Penalty for early withdrawal may apply. Additional deposits not permitted after account opening. Early withdrawal penalty: 12 months or less = 90 days' interest; greater than 12 months up to 35 months = 180 days' interest; greater than 35 months = 270 days' interest. 10-day renewal grace period. Optima Club 60 Mo Certificate requires $2,500 minimum opening balance.

Requirements

Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.

Offer: Certificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more.

Requirements

Product: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.

Offer: Valid for opening accounts online.