Best CD rates and certificates

Requirements

Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.

Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.

Requirements

Product: Fixed interest rate until maturity. Requires a $1,000 minimum deposit to open. No additional deposits can be made once opened. Early withdrawal penalties apply. Dividends are paid quarterly. Renews automatically at current market rate with notice sent at least 10 days before maturity.

Requirements

Product: Must maintain a Primary Share account in addition to the certificate. Minimum balance of $1,500 must be on deposit at all times. Automatically renews for a like term at maturity with a 10-day grace period. Early withdrawal subject to a 90-day dividend penalty (for 3-month to 2-year certificates) or a 120-day dividend penalty (for 2 1/2-year or 3-year certificates). Rates reflect quarterly compounding; monthly withdrawal of interest results in a lower yield.

Offer: Rates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty.

Requirements

Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.

Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.

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: Early withdrawal penalty: 30 days' dividends for terms 6 to 12 months, 90 days' dividends for terms above 12 months. Fixed dividend rate for the term after opening. Fees could reduce earnings.

Requirements

Product: Early withdrawal penalty applies: 30 days' dividends for terms of 6 to 12 months. After certificate is opened, dividend rate is fixed for the term.

Requirements

Product: Dividends and interest credited monthly. Once purchased, rate remains the same until maturity. Early withdrawal penalty applies.

Offer: Dividends credited monthly. Early withdrawal penalty applies.

Requirements

Product: Early withdrawal penalty: all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months. 7-calendar-day grace period after maturity. Optional checking relationship provides bonus 0.15% APY on new certificates.

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: 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: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.

Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.