Best CD rates and certificates

Requirements

Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.

Offer: Relationship rate includes 0.10% boost.

Requirements

Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.

Offer: Rewards APY requires two qualifying relationships.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Offer: Tier 1 $500 - <$10,000.

Requirements

Product: Penalty may be imposed for early withdrawal. Interest rates may change after account opening. Fees may reduce earnings on account.

Requirements

Product: After certificate is opened, dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Dividends are compounded daily and paid monthly. If closed before dividends are paid, accrued dividends are forfeited.

Requirements

Product: Limited time offer. New money only (funds must come from another financial institution, not currently on deposit at BOND Community FCU). Membership eligibility required. Early withdrawal penalties may be imposed.

Offer: New money only (funds not currently on deposit at BOND Community Federal Credit Union). Accurate as of 07/01/2026.

Requirements

Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.

Offer: Early withdrawal penalty is 90 days' dividends.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.

Offer: Rewards APY tier.

Requirements

Product: Monthly compounding and crediting. Penalty may apply for early withdrawal.

Requirements

Product: Minimum opening deposit $500. Available at branch locations.

Offer: Term: 3 to 5 months.

Requirements

Product: Minimum amount $500 for a stated period of time (30 days to 5 years). Automatically renewable fixed rate; 10-day grace period after maturity to withdraw funds without penalty. Simple interest early withdrawal penalty: 91 days of interest for terms of 12 months or less, 182 days of interest for terms longer than 12 months (waived in the event of death or incompetency). No funds may be added during the term.

Offer: 60 Months term. APY assumes interest paid will not be withdrawn.

Requirements

Product: $500.00 minimum opening deposit. APY calculated on simple interest for terms < 12 months and daily compounding for terms >= 12 months. Early withdrawal penalty may be imposed.

Offer: Daily compounding. Early withdrawal penalty may be imposed.