Best CD rates and certificates

Requirements

Product: Start with a low minimum balance of only $500.00 to open and maintain the account. Add deposits at any time in any amount during the 6 month term. Variable rate account. Make withdrawals without penalty 10 calendar days after the maturity date. A penalty may be imposed for early withdrawal of time deposit accounts. Fees may reduce earnings on this account.

Offer: Variable rate account. The interest rate and annual percentage yield may change after the account is opened.

Requirements

Product: Penalty for early withdrawal from a certificate of deposit account may be imposed. Fees could reduce earnings on these accounts.

Requirements

Product: Penalties may be imposed on CDs and IRAs for early withdrawal.

Offer: 3 Year term. Penalties may be imposed on CDs and IRAs for early withdrawal.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Offer: Interest Payment Frequency: Annual; Compounding Method: Simple; Minimum balance is required to obtain the stated APYs. A penalty may be imposed for early withdrawal.

Requirements

Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

Requirements

Product: Add-on deposits allowed. Dividends calculated using daily balance method and compounded quarterly. Automatically renews for 12-month terms with a 10-day grace period. Early withdrawal penalty may apply. Institutional and government deposits excluded.

Offer: Compounds quarterly. Add-on deposits allowed.

Requirements

Product: $1,000.00 initial deposit requirement. No minimum balance to earn Annual Percentage Yield (APY). Fixed interest rate for entire term. Automatically renews into a CD with the same term. Penalty will or may be imposed for early withdrawal.

Offer: No compounding during term. Interest credited at maturity.

Requirements

Product: Offers a one-time "bump-up" rate option, a one-time withdrawal of up to one-half the original deposited amount, and the ability to make additional deposits throughout the term (minimum deposit of $250.00). No withdrawals on account during first seven (7) days. Penalties may be imposed for early withdrawal.

Offer: 30 month term. One-time bump-up rate option, one-time withdrawal up to one-half deposited amount, additional deposits allowed (min $250.00). No withdrawals during first 7 days. Penalties may be imposed on CDs and IRAs for early withdrawal.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.

Requirements

Product: Unlimited additional deposits allowed anytime.

Offer: 12 month term with add-on feature. Unlimited additional deposits allowed.

Requirements

Offer: Step period 1 (months 1-7)