Best CD rates and certificates

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Promotional certificate. Early withdrawal penalty: 30 days dividend.

Offer: Early withdrawal penalty: 30 days dividend.

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: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.

Offer: Valid for opening accounts online.

Requirements

Product: Rate based on the 91-day Treasury Bill average, which is calculated the last Tuesday of each quarter. Dividends paid monthly. Early withdrawal penalties apply.

Offer: Rate based on the 91-day Treasury Bill average calculated the last Tuesday of each quarter.

Requirements

Product: Rates are fixed for the term of the certificate. Early withdrawal penalty will be imposed. Fees may reduce earnings. No institutional deposits accepted.

Offer: Minimum balance to open and earn APY is $500.

Requirements

Product: New money is required. $500 minimum opening deposit. Early withdrawal penalty applies. Offer not available with any other rate increases or promotional rates. Membership qualifications may apply.

Offer: New money required.

Requirements

Product: Regular share funds only; cannot be opened as an IRA certificate. Add money at any time. Penalty-free withdrawals during the first three business days of each quarter. Maximum of $250,000 per account. Bump option available. Dividends paid monthly.

Offer: Maximum of $250,000 per account. Available for regular share funds only.

Requirements

Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.

Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

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: Minimum deposit $5,000. Features 1 rate bump and 1 withdrawal (up to 25%) during your term. Dividends compounded quarterly.

Offer: 15-month term. 1 rate bump & 1 withdrawal (up to 25%). Dividends compounded quarterly.

Requirements

Product: Insured up to $250,000 by NCUA. Early withdrawal penalties apply (30 days dividends for maturity of one year or less; 90 days dividends for maturity of more than one year).

Offer: One Jump Option: If rates increase within the certificate term, account holder can jump to the higher rate once for the remainder of the term (not including CD limited-time offers).

Requirements

Product: $500 Minimum Deposit to Open. Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Interest will be compounded and credited monthly.

Offer: Assumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly.

Requirements

Product: Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.

Offer: Deposit and maintain minimum $1,000 new-to-Tech CU money.