Best CD rates and certificates

Requirements

Product: Must be at least 18 years old, a U.S. citizen or lawful permanent resident with a U.S. physical address and U.S.-based mobile phone number. No minimum deposit required to open or maintain account, but account balance may not exceed $1,000,000. No monthly cycle service charge. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms over 12 months).

Offer: For terms 12 months or less, early withdrawal penalty is 3 months of interest. Rate applies to entire account balance.

Requirements

Product: Fixed rate until maturity. A $500 minimum deposit is required to open. Early withdrawal penalty applies ($20 fee and withdrawn funds earn the regular share savings dividend rate). Accounts automatically renew at maturity.

Offer: Automatically renews at maturity into a 1-year share certificate at current rates.

Requirements

Product: La Capitol Certificate Accounts are term Share Accounts. APY is fixed at opening/renewal. Dividends compounded and credited monthly. Additional deposits not allowed during term. Automatically renews at rates effective at renewal. Early withdrawal penalty: 180 days' dividends for terms of 1 year to less than 3 years; 365 days' dividends for terms of 3 years or more. Earn higher APY when membership includes an open checking account. Membership required.

Offer: Earn higher rate and APY when membership includes an open checking account. If checking account is closed before certificate matures, rate and APY decrease to rate without checking account.

Requirements

Product: Dividends are posted monthly based on the daily balance and compounded monthly. Variable rate accounts subject to change at any time. Penalties for early withdrawals may apply. Step-up options apply to two-year terms and up, where rate can jump once before maturity. Automatic renewal for the same term at the new APY with a 10-day grace period.

Requirements

Product: Rate Step Up provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the step (available on share certificates of 2 years or more). Certificates automatically renew at maturity unless new instructions are given.

Offer: Step-Up Option Available.

Requirements

Product: Add funds through payroll. Dividends compounded and paid monthly on average daily balance. Automatically renews at maturity.

Requirements

Product: Minimum opening balance $500. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Bump-up option available on 30-month term certificates. Rates subject to change at any time.

Requirements

Product: No monthly service charge. Automatic renewals. Fixed interest rate for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Requirements

Product: Available in terms ranging from thirty days to several years. Minimum opening deposits required, depending on specific CD. Interest penalty may be imposed for early withdrawal.

Offer: A penalty of 90 days accrued interest on the amount withdrawn will be charged for any early withdrawal on a 18 month and 12 month CD. Fees may reduce earnings on the account.

Requirements

Product: Membership at Bayou Community FCU is open to anyone who lives, works, worships, or attends school in St. Gabriel and surrounding areas. Minimum of $500 to open certificates; certificates are payable monthly or at maturity. Rates are determined monthly.

Offer: Pays Monthly

Requirements

Product: Minimum deposit amount of $500.00. Early withdrawals are subject to penalty. Subject to membership eligibility. Insured with ESI up to $1,000,000.

Requirements

Product: Certificate accounts are subject to substantial penalty for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. Fees could reduce earnings.

Offer: Dividends credited quarterly.

Requirements

Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, you may choose to automatically renew your CD or have the funds paid to a designated account. Dividends may be compounded or transferred to your share, extra savers, or checking account.

Requirements

Product: Fixed terms of 6 months or 1 year. LES Federal Credit Union membership required. Minimum deposit of $500 to earn dividends paid at maturity. Penalty for early withdrawal. Option for automatic renewal.

Offer: Minimum $500 to earn. Dividends paid at maturity. Penalty for early withdrawal. LES Federal Credit Union membership is required.

Requirements

Product: La Capitol Certificate Accounts are term Share Accounts. APY is fixed at opening/renewal. Dividends compounded and credited monthly. Additional deposits not allowed during term. Automatically renews at rates effective at renewal. Early withdrawal penalty: 180 days' dividends for terms of 1 year to less than 3 years; 365 days' dividends for terms of 3 years or more. Earn higher APY when membership includes an open checking account. Membership required.