Best CD rates and certificates

Requirements

Product: Early withdrawal penalties apply. Fees could reduce earnings and features on the account. Rates are subject to change at any time without notice. Can be opened with as little as $1,000.

Offer: Early withdrawal penalties apply. Fees could reduce earnings and features on the account. Rates subject to change.

Requirements

Product: Dividends posted to your account quarterly and paid at maturity. Premature withdrawal results in dividend penalty.

Offer: Dividends posted quarterly and paid at maturity. Early withdrawal penalty may result in loss of some accrued interest.

Requirements

Product: Membership required (minimum $5 deposit). APY requires member to have or open an Elevated Checking Account. Without it, APY is 3.40%. New or existing funds accepted. Offer may be withdrawn without notice. Early withdrawal penalty applies per standard terms.

Offer: Requires having or opening an Elevated Checking Account. Without an Elevated Checking Account APY will be 3.40%. Early withdrawal penalty of 90 days of dividends for terms less than 12 months. New or existing funds accepted. MSCU membership required with minimum $5 deposit into Membership Account.

Requirements

Product: $500 minimum balance to open Certificate; members younger than 18 may open with $250.00. Subject to penalty for early withdrawal.

Offer: $500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Minimum opening deposit of $1,000. Maximum deposit of $750,000. No monthly fees. Allows unlimited partial withdrawals with no penalty fee after 7 days of opening and funding the account; substantial penalty for early withdrawal within first 7 days. After initial funding deposit, additional deposits are not allowed even during 10-day grace period. Automatically renews into a 7 Month Flex CD at current rate.

Offer: Fixed rate for full 7-month term. Penalty-free unlimited withdrawals after first 7 days. Minimum opening deposit $1,000 required to earn APY. Maximum deposit $750,000.

Requirements

Product: Fixed Rate Accounts – The interest rate in effect on the day your CD is opened will remain in effect until the maturity date of the CD, unless a withdrawal is made that brings your balance below the minimum balance shown above for each product type listed. Effect of Interest Withdrawal – The Annual Percentage Yield assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings. Early Withdrawal Penalties – Substantial penalty for early withdrawal. Automatically Renewable Time Accounts – At maturity, the above accounts will automatically renew after the grace period.

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: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: $500 minimum opening deposit unless otherwise noted. Early withdrawal penalties may apply.

Offer: Promotional rate. Subject to change at any time. Early withdrawal penalties may apply.

Requirements

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

Offer: You may win a $25 monthly cash prize!

Requirements

Product: $1000.00 Minimum amount to open certificate cannot add to certificate once established, rate does not change for term of certificate. Early withdrawals on Share Certificates with terms less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not.

Offer: Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not.

Requirements

Product: Can be opened with as little as $25 and can be added to at any time during the life of the certificate. May be eligible to win cash prizes based on each $25 deposit.

Offer: Can be opened with as little as $25 and can be added to at any time during the life of the certificate. May be eligible to win cash prizes based on each $25 deposit.

Requirements

Product: Minimum deposit to open account and to earn APY is $500. Maximum deposit of $250,000. Penalty for early withdrawal. Dividends compounded daily, paid monthly.

Offer: With Your Choice Checking (requires full Direct Deposit or $8.99 monthly fee).

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.