Best CD rates and certificates

Requirements

Product: Must open initial accounts in-person at a branch office. Penalties apply for early withdrawal. Select terms from 3 months to 5 years available; contact local branch for other terms and rates.

Offer: Requires $500 minimum balance to earn the APY. Penalty for early withdrawal.

Requirements

Product: A wide range of terms available (from 6 months to 5 years). Renews automatically upon maturity after 10-day grace period. Early withdrawals subject to penalty. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions.

Offer: Customers who qualify for both bonuses (50% new money + active checking customer opened prior to 9/1/2026) may earn up to 4.50% APY. Applicable to 12, 18, 24 Month CD only. Minimum balance to open and earn stated APY is $500.00. Base 4.00% APY + 0.35% + 0.15%.

Requirements

Product: A wide range of terms available (from 6 months to 5 years). Renews automatically upon maturity after 10-day grace period. Early withdrawals subject to penalty. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions.

Offer: CD Special: requires at least 50% new money. Applicable to 12, 18, 24 Month CD only. Minimum balance to open and earn stated APY is $500.00. Base 4.00% APY + 0.35% bonus.

Requirements

Product: Interest is compounded daily and paid monthly (quarterly and annual payment also available). Fixed rate for the term of the certificate. May be set up to automatically renew. Early withdrawal penalties apply.

Offer: Early withdrawal penalty is 90 days. Daily compounding.

Requirements

Product: Penalty for early withdrawal. Fees may reduce earnings. Rates are subject to change at any time.

Offer: 12 Month Certificate SPECIAL

Requirements

Product: No monthly service fee. Early withdrawal penalties apply. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share.

Offer: Term 12-17 Months.

Requirements

Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.

Requirements

Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.

Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.

Requirements

Product: A wide range of terms available (from 6 months to 5 years). Renews automatically upon maturity after 10-day grace period. Early withdrawals subject to penalty. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions.

Offer: Loyalty Bonus: active checking customer with eligible checking account opened before 9/1/2026. Applicable to 12, 18, 24 Month CD only. Minimum balance to open and earn stated APY is $500.00. Base 4.00% APY + 0.15% bonus.

Requirements

Product: All members are required to open and maintain a Savings account ($25.00 membership share) in order to have any other HFCU product or service. Penalty applies for early withdrawal when made other than according to terms on certificate, except for 11-month certificates.

Requirements

Product: A wide range of terms available (from 6 months to 5 years). Renews automatically upon maturity after 10-day grace period. Early withdrawals subject to penalty. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions.

Offer: Base rate. Minimum balance to open and earn stated APY is $500.00. No setup or maintenance fees. Early withdrawals subject to penalty.

Requirements

Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.

Requirements

Product: May be subject to early withdrawal penalty. No setup or service fees.

Offer: With an existing relationship with TCB or open a new deposit/loan with TCB (beyond the CD).

Requirements

Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.

Offer: KEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements.