Best CD rates and certificates

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: 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

Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.

Offer: Includes 1x Bump Up feature.

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

Requirements

Product: New Money is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. Business accounts are not eligible for the promotion. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria are not met when a certificate is opened. Early withdrawal penalty may apply. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.

Offer: Requires $1,000 minimum deposit of new money not previously on deposit with the credit union over the past 30 days. Bump Option: n/a. Early withdrawal penalty applies.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Promotional rate available October 5-12, 2026. Membership required. Upon maturity CD will roll into a 12 month CD at the current rate at that time. Express CU account must be opened and funds deposited into the CD between Oct 5th-12th to qualify for the rate promo.

Offer: Promotional rate available October 5-12, 2026. Membership required. Upon maturity CD will roll into a 12 month CD at the current rate at that time. Express CU account must be opened and funds deposited into the CD between Oct 5th-12th to qualify for the rate promo.

Requirements

Product: Available to Verity Credit Union members only. Non-members must establish a Prime Share savings membership account ($5 membership fee required to join). Early withdrawal penalty applies: 90 days interest for terms of 365 days or less; 180 days interest for terms over 365 days. No minimum balance required to open a certificate. Standard certificates allow additional deposits only during the first 10 days; Savers Certificates allow additional deposits at any time. At maturity, promotional-term certificates (13, 19, 25 months) automatically renew into standard-term certificates of the next shorter standard term (12, 18, 24 months) at the prevailing standard rate.

Offer: Promotional CD special. Automatically renews at maturity to a 24-month certificate at standard rate.

Requirements

Product: Alaska Air Group Credit Union membership required to open account. Early withdrawal penalties apply.

Offer: Early withdrawal penalties may apply. No monthly service fees.

Requirements

Product: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.

Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.

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: Available nationwide. Fixed, predictable returns. Terms range from 3 months to 5 years (60 months). Interest compounded daily, paid quarterly. Penalty assessed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months). No setup or service fees.

Offer: All balances earn disclosed APY. APYs apply when all principal and interest remain on deposit for entire term. Penalty assessed for early withdrawal. Fees may reduce principal and earnings.

Requirements

Product: Offer available October 1 - November 20, 2026. Special certificate will renew automatically as a 12-month certificate at the current dividend rate. To qualify, members must either 1) fund the certificate with at least half in new money that has not been on deposit with the credit union in the last 30 days, or 2) proactively contact us to roll over a certificate that is set to mature between October 1 and November 20, 2026, retaining the funds from the maturing certificate. Fees may reduce earnings. Early withdrawal penalties apply.

Offer: Special certificate will renew automatically as a 12-month certificate at the current dividend rate. To qualify, members must either 1) fund the certificate with at least half in new money that has not been on deposit with the credit union in the last 30 days, or 2) proactively contact us to roll over a certificate that is set to mature between October 1 and November 20, 2026, retaining the funds from the maturing certificate.

Requirements

Product: Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.

Offer: Interest compounded daily; early withdrawal penalties apply.