Best CD rates and certificates

Requirements

Product: Requires opening and funding an existing Walden deposit account (such as Spend Local). Auto-renews at maturity with a 10-day grace period. Early withdrawal penalties apply and may reduce earnings.

Offer: Interest is compounded daily and posted monthly. Early withdrawal penalty applies.

Requirements

Product: Guaranteed fixed rate from opening to maturity. Penalty for early withdrawal. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.

Offer: 18-Month Promo CD. Guaranteed fixed rate.

Requirements

Offer: Promotional rate requires a $5,000 minimum new deposit. 180 day interest early withdrawal penalty applies.

Requirements

Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.

Offer: Monthly interest compounding. Minimum opening deposit $2,500.

Requirements

Product: Dividends are compounded monthly and credited to account monthly. Certificate rates are subject to change at anytime; however the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals.

Offer: Special! 13 Months! Early withdrawal penalty: 90 days' dividends for terms of 23 months or less.

Requirements

Product: Interest compounded monthly. Early withdrawal penalties may be imposed. $500 minimum to open. Funding for accounts opened online is limited to a maximum of $100,000. Online account opening available for residents of ME, VT, NH, MA, CT, and RI.

Offer: Special CD offer. May not be combined with Prestige checking preferred rate. Not eligible for partial withdrawals below the minimum qualifying balance. Special can end at any time.

Requirements

Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.

Offer: Dividends compounded and credited monthly.

Requirements

Product: $500.00 minimum deposit to open this account and obtain the stated APY. Annual percentage yield is effective 10/1/26. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings. Not available as an IRA.

Offer: $500.00 minimum deposit to open this account and obtain stated APY. Not available as an IRA. Early withdrawal penalty may apply. Fees and withdrawals could reduce earnings.

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

Requirements

Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.

Requirements

Product: Available to consumers only. Requires a Ledyard Bank consumer checking account to open and earn stated APYs. Penalty may apply for early withdrawal. Fees could reduce earnings.

Offer: Requires a $1,000 minimum deposit and a Ledyard Bank consumer checking account to open and earn stated APY.

Requirements

Product: Requires a $500 minimum daily balance to earn APY and $500 minimum opening deposit. Interest compounded daily and credited monthly. Penalties may be imposed for early withdrawal. Benefit Plus checking account holders receive relationship rate and APY.

Offer: For Benefit Plus customers. Renews automatically into 36 Month CDs.

Requirements

Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month (minimum dividend rate 2.50% / APY 2.53%, maximum dividend rate 5.50% / APY 5.64%). Early withdrawal penalty may apply.

Offer: Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month; minimum dividend rate 2.50% (APY 2.53%), maximum dividend rate 5.50% (APY 5.64%).