Best CD rates and certificates

Requirements

Product: Option during the first term (18 month term to 60 month term) to exchange interest rate for a new rate offering on any other time deposit of equal term to maturity at no cost; maturity date remains the same; exchange option exercisable once during each maturity. Subject to penalty for early withdrawal on Certificate of Deposits.

Offer: Minimum balance to open and obtain APY is $1,000.

Requirements

Offer: Deposit Special

Requirements

Product: Penalty for early withdrawal for CDs. Fees may reduce earnings. Consumer rates only. Open a CD with $500 or more. Interest can be mailed semi-annually, compounded semi-annually, or credited to checking/savings.

Offer: CD Special. Other restrictions apply. See bank for details.

Requirements

Offer: Interest on the 13-month and 28-month specials are compounded on a semi-annual basis. Early withdrawal penalties may apply. Fees may reduce earnings.

Requirements

Product: Flexible Terms: 3 to 60 months. Interest Payment Options: Compounding or Direct Deposit. One-Way UP Certificate of Deposit: Opportunity to increase interest rates with a one-time option, with additional deposits of $500 or more allowed at time of rate change.

Offer: 36 month CD Special One Way. Opportunity to increase interest rate with a one-time option. Additional deposits of $500 or more allowed at the time of rate change. Maturity date remains unchanged. New rate effective until initial term expires. Penalty for early withdrawal on 12-up-to-36-month CDs is 12 months loss of interest on the principal withdrawn.

Requirements

Product: No monthly or service fees. A penalty may be imposed for early withdrawal.

Offer: Includes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 12-month term at maturity unless otherwise directed.

Requirements

Product: Lock in savings with Certificate of Deposit Special. Pick term 7 - 13 Month with $10,000 minimum balance.

Offer: $10,000 minimum balance. Pick term 7 - 13 Month. Note: Table text displays 405.00% APY due to formatting/misprint, corresponding to 4.05% APY.

Requirements

Product: A penalty may be imposed for early withdrawal.

Requirements

Product: Must meet membership eligibility requirements. Requires $1,000.00 to open and earn APY. Penalty may be assessed for early withdrawal. Rates for renewing Certificates may differ from rates available for new-money deposits; higher promotional rates may be available for new funds from outside the credit union.

Offer: APY assumes dividends remain in account until maturity. Penalty may be assessed for early withdrawal.

Requirements

Product: Maturities available from 91 days to 5 years. Automatic renewal options available. Opening deposit requirements vary. Early withdrawals may be subject to penalty.

Offer: Not eligible for Broker or Institutional Funds. Automatically renews to a 1-year certificate at maturity at the renewal interest rate then offered on a 1-year certificate. Interest compounded and credited every 6 months. Minimum opening deposit $1,000 (for account holders aged 18 or younger, minimum opening deposit is $100.00). Early withdrawal penalty applies.

Requirements

Product: Early withdrawal penalty may reduce principal: 3 months interest penalty for terms 91 days to 12 months, 6 months interest penalty for terms 18 months to 36 months, and 12 months interest penalty for 60 months.

Offer: 182 Day term. Early withdrawal penalty: 3 months interest penalty.

Requirements

Product: Penalty for early withdrawal on CDs. Fees may reduce earnings. Rates are subject to change.

Offer: CD SPECIALS; consumer accounts only

Requirements

Product: Must meet membership eligibility requirements. No minimum to open and no minimum balance required to earn APY. Additional deposits permitted throughout the term of any dollar amount. Partial withdrawals are not permitted; full balance may be withdrawn prior to maturity without an early withdrawal penalty, which will result in the account being closed. Not available as an IRA CD.

Offer: 13 Month Liquid CD is not available as an IRA CD. Additional deposits permitted. Early withdrawal of entire balance permitted without penalty, closing the account; partial withdrawals not permitted.

Requirements

Product: Rates applicable for the initial term only and will renew at next lower non-special standard term. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. Active checking account with recurring deposits and or debit activity required to obtain relationship pricing.

Offer: Relationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term.

Requirements

Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.