Best CD rates and certificates

Requirements

Product: A minimum deposit of $500 is required for standard and 11-month special certificates. Early withdrawal penalty applies and reduces earnings. Federally insured up to $250,000 by NCUA.

Offer: JUMBO 13 Month special certificate.

Requirements

Product: Limited-time offer. Cannot be combined with the Anniversary Special. Early withdrawal penalty applies.

Offer: Requires $10,000 or more in new money from another financial institution. Limited-time offer.

Requirements

Product: For Platinum Plus Members. $500.00 minimum balance to open. Penalties apply for early withdrawal. Fees can reduce earnings on the account.

Offer: New Money

Requirements

Product: $500.00 minimum balance to open. Penalties apply for early withdrawal. Fees can reduce earnings on the account.

Offer: New Money

Requirements

Product: Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal.

Offer: Penalties may be imposed for early withdrawal.

Requirements

Product: Fixed-rate, fixed-term certificate account. Dividends can be deposited into a Member Loyalty Account.

Offer: This special cannot be combined with any other offers. Available from November 5, 2026, through November 21, 2026. Limit one certificate at this rate per person, defined by Social Security Number or Tax Identification Number. Minimum deposit required to earn this rate is $500. The maximum that can be deposited at this rate is $10,000. Offer subject to change at any time.

Requirements

Product: Membership requirements apply. Certificate is a fixed rate, fixed term account; stated APY applies to the initial term assuming all dividends remain until maturity. Dividends compound monthly. Early withdrawal penalty applies and fees may reduce earnings. Upon maturity, non-IRA promotional certificate funds transfer to regular share account unless alternative withdrawal instructions are provided.

Offer: Fixed rate and term for initial 30 months. Stated APY applies to initial term assuming dividends remain until maturity; compounded monthly. Transfer to regular share account upon maturity unless alternative withdrawal instructions provided.

Requirements

Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.

Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.

Requirements

Product: Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.

Offer: Fixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies.

Requirements

Product: Maximum Certificate per member: $250,000.00. Early withdrawal penalty applies: amount equal to dividends accrued for 180 days on amount withdrawn or minimum of $20.00, whichever is more (or 90 days interest on current balance and loss of accrued interest for the quarter per savings overview page).

Requirements

Product: Effective as of October 30, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.

Offer: Fixed Rate - Special. Minimum balance to open $500.

Requirements

Offer: Compounded and credited quarterly.

Requirements

Product: Certificate is subject to penalty for early withdrawal. Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.

Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).

Requirements

Product: Early withdrawal penalty may reduce earnings on term Certificate accounts. Dividends will be compounded and credited monthly based on the average daily balance in your share certificate account.

Requirements

Product: Lucky Savers is a special 12-month certificate account that helps you build your savings while giving you a chance to win monthly and quarterly cash prizes. Every $25 deposit made (up to $250 per month) gives a chance to win (up to 10 chances per month). Additional deposits permitted throughout the term. Dividends will be compounded and credited monthly based on the average daily balance. Early withdrawal penalty may reduce earnings on account.

Offer: Every $25 deposit made (up to $250 per month) gives a chance to win monthly and quarterly cash prizes (up to 10 chances every month). Additional deposits permitted throughout the certificate's term.