Best CD rates and certificates

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: Substantial interest penalty for early withdrawal. Monthly interest checks are not available, but interest may be direct deposited to checking/savings or added back to CD.

Offer: Compounded Quarterly.

Requirements

Product: An Escalator Option is available for Certificates of Deposit with terms of 36 months or more. Early withdrawal penalty may apply. Premium rates may be offered on CDs of $100,000.00 or more.

Offer: 7 Month - SPECIAL. Compounded at maturity.

Requirements

Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.

Offer: Early withdrawal penalty is 30 days' dividends.

Requirements

Product: Dividends calculated daily and credited monthly. A penalty will incur if principal is withdrawn before maturity date. No additional deposits permitted except at maturity.

Offer: Premier Member rate tier

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: APY quoted requires an active STAR checking relationship. Penalty may apply for early withdrawal. APYs can change at any time.

Offer: APY quoted requires an active STAR checking relationship. Compound frequency monthly. Penalty may apply for early withdrawal.

Requirements

Product: Membership at ProFed is required. Early withdrawal penalties may apply. Must maintain minimum daily balance to obtain disclosed APY.

Offer: Special Bump certificate: includes a one-time rate increase feature if ProFed's published rate for a standard 24-month certificate increases above your current rate during the 25-month term (member must request increase). No additional deposits allowed. Renews as standard 24-month certificate at maturity. Must open in-person at branch or by phone. Limited time offer.

Requirements

Product: FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.

Offer: At maturity, the 9 month CD will automatically renew as a 12 month CD. Subject to early withdrawal penalty.

Requirements

Product: Membership at ProFed is required. Allows unlimited deposits. Must maintain minimum daily balance disclosed on Certificate to obtain APY.

Requirements

Product: STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Penalty may apply for early withdrawal. APYs can change at any time.

Offer: Requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Compound frequency at maturity. Penalty may apply for early withdrawal.