Best CD rates and certificates

Requirements

Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.

Requirements

Product: A penalty may be imposed for early withdrawal.

Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.

Requirements

Product: Lock in a fixed rate for the entire term.

Offer: Fixed rate for the entire term.

Requirements

Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.

Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Minimum balance $1,000.00. Automatic renewal at end of term with a 10-day grace period. Early withdrawal penalty applies (terms of 1 year or less: 90 days loss of dividends; terms greater than 1 year: 180 days loss of dividends).

Requirements

Product: Open to new and existing customers. A penalty for early withdrawal may/will be imposed. Fees may reduce earnings. $1,000 minimum balance required to earn the APY.

Offer: 12-month term. Early withdrawal penalties will/may be imposed.

Requirements

Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.

Offer: Minimum balance of $500 required to obtain advertised APY. Funds may be added during term.

Requirements

Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.

Requirements

Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.

Requirements

Product: Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.

Offer: Requires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account.

Requirements

Product: Must be of legal age to apply for a deposit.

Offer: 180 Days term. Minimum deposit to open and obtain stated APY is $1,000. Penalty for early withdrawal.

Requirements

Product: Term Certificates renew automatically. Interest may be withdrawn before maturity without a penalty; early withdrawal penalty on principal may apply. Interest earned based on average daily balance.

Offer: Interest compounded monthly, credited monthly. Early withdrawal penalty may apply.

Requirements

Product: Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.

Offer: Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity.

Requirements

Product: Membership/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.

Offer: Dividends paid and compounded quarterly.