Best CD rates and certificates

Requirements

Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.

Offer: Penalty for early withdrawal.

Requirements

Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.

Offer: Promotional APY 12-month term

Requirements

Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.

Offer: Non-Promotional APY 12-month term

Requirements

Product: Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.

Requirements

Product: Interest earned may be compounded or transferred to another account. Early withdrawal penalties may apply.

Requirements

Product: Early withdrawal penalty applies if principal is withdrawn before maturity. Dividends compounded and credited monthly. Renews automatically for the same term. 10 day grace period after maturity. Additional deposits not allowed.

Offer: Penalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable.

Requirements

Product: Dividends are compounded daily and paid monthly.

Requirements

Product: Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.

Requirements

Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.

Requirements

Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.

Requirements

Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.

Requirements

Product: Early withdrawal penalty may be imposed. Dividends calculated at simple interest and compounded monthly.

Offer: A penalty may be imposed for early withdrawal.

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: To open online, must be at least 18 years old and a Maine resident or an existing customer. Penalty applies for early withdrawal. Rates accurate as of 11/02/2026.

Offer: Early withdrawal penalty: 90 days interest.

Requirements

Product: Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using the daily balance method. Additional deposits not permitted after opening. Early withdrawal penalties apply.