Best CD rates and certificates

Requirements

Product: Must be an Everwise member ($5 initial Share deposit required). Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.

Offer: Minimum balance required to earn APY is $500. Early withdrawal penalty may apply.

Requirements

Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal at end of each term; interest compounded and credited quarterly on the last day of each calendar quarter and at maturity; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity; no principal withdrawals without penalty except interest until maturity.

Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026. Homepage states 1.5 Year CD APY as high as 3.03% with $500 minimum.

Requirements

Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.

Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026.

Requirements

Product: 42 Month Certificate: deposits of up to twice (2x) the original principal may be made within the first year of opening or of any renewal term; no deposits after that time except at maturity. All other terms of the 18, 30 and 60 month certificates apply.

Offer: Add-on deposits up to 2x original principal in the first year of the term or renewal. Early withdrawal penalty is 180 days of interest, earned or not. Quarterly compounding. APY accurate as of October 10, 2026.

Requirements

Product: Minimum deposit to open and earn interest is $1,000. Penalty may be imposed for early withdrawal. Fees may reduce earnings on account.

Offer: New money required. Available in branches only. Assumes principal and interest remain on deposit for the term of the certificate with monthly compounding and crediting of interest. Penalty may be imposed for early withdrawal. Fees may reduce account earnings. At maturity, CD will automatically renew in a similar term at the then prevailing rate.

Requirements

Product: Dividends are compounded and credited monthly. Must maintain a $1,000 minimum daily balance to earn the stated APY. Early withdrawals are subject to a dividend penalty.

Offer: Fixed rate for 6 months. Stated APY requires maintaining a $1,000 minimum daily balance. Offered through 10/20/26.

Requirements

Product: Interest rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal. Product-page details: interest paid at end of year as simple interest without compounding, by check or electronic credit to a NOW or Savings account; interest not taxable until year of receipt; no deposits after opening except at maturity.

Offer: Deposit-rates table minimum to open and earn APY is $2,500.00. Due to tax-deferral feature, penalty for withdrawal during term is all interest accrued on the amount withdrawn. APY accurate as of October 10, 2026.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.

Requirements

Product: Penalty for early withdrawal.

Offer: Compounding frequency: Semi-Annually.

Requirements

Product: $25 minimum deposit required in a share savings account to establish credit union membership. Dividends compounded and credited monthly. Calculated by daily balance method. APY assumes dividends remain until maturity. Penalties may be imposed for early withdrawal. Automatically renews at maturity.

Requirements

Product: Share certificates/term certificates; dividends paid at maturity and may be added to the certificate or transferred to other savings. Transfers from regular savings allowed at any time.

Offer: Dividends paid at maturity.

Requirements

Product: Two-year investment that gives the option to bump up the interest rate once during the term if rates rise. Subject to early withdrawal penalty. APY assumes interest and principal remain on deposit until maturity.