Best CD rates and certificates

Requirements

Product: Certificate of Deposit Specials (No Bonus Rate). Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.

Offer: Fixed until maturity. Substantial penalty for early withdrawal.

Requirements

Product: $500 minimum balance. Dividends and principal assumed to remain on deposit until maturity; early withdrawal subject to penalty. No monthly maintenance fee.

Requirements

Product: Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.

Offer: Fixed until maturity. Substantial penalty for early withdrawal.

Requirements

Product: Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. APY assumes dividends and principal will remain on deposit until maturity; withdrawals reduce earnings and early withdrawal of principal is subject to penalty. Membership eligibility in Fairfield, New Haven, or Hartford County, CT or Sikorsky Aircraft employment required.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: Dividends are compounded daily and credited monthly using average daily balance. Substantial penalty for early withdrawal. Rates effective 9/21/2026. Fixed rate until maturity.

Requirements

Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.

Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

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: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

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: For new deposits only into Members CU (money currently on deposit does not qualify). Available for amounts from $1,000 to $250,000. Dividends compound and post semi-annually. 90-day penalty for early withdrawal. Renews automatically at current rate unless notified within 10 days of maturity.

Offer: Available for amounts from $1,000 to $250,000. Eligible for new deposits only; money currently on deposit does not qualify. Dividends compound and post semi-annually. 90-day penalty for early withdrawal. Renews automatically unless notified within 10 days of maturity date.

Requirements

Product: All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY.

Requirements

Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.

Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Requirements

Product: Must maintain a minimum collected daily balance of $1,000.00 to obtain disclosed APYs. No withdrawal of any kind during the first 6 calendar days after initial deposit; after that, full balance may be withdrawn without penalty. No partial withdrawals allowed.

Offer: Must be opened in branch. Minimum opening deposit $1,000. No withdrawal during first 6 calendar days after deposit; thereafter full balance withdrawal allowed without penalty. No partial withdrawals.

Requirements

Product: Available in terms from 90 days to 60 months.

Offer: Fees could reduce earnings.