Best CD rates and certificates

Requirements

Product: Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years earning the rate of the preceding certificate tier. Bump-up rate options for 2 and 3-year terms. Ability to add to balance during term.

Offer: Fixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings.

Requirements

Offer: Term: 180 Days

Requirements

Product: Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 182 days of interest. Interest credited into the account may be withdrawn without penalty any time before maturity.

Offer: Interest compounded and credited every 3 months.

Requirements

Product: Available for consumer accounts and does not apply to business accounts. Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. $0 monthly service fee. Early withdrawal penalty applies (60 days).

Offer: Assumes dividends are added back to the certificate.

Requirements

Product: Owner must fund with new money and have an open or active PointBank checking account. Callable account; bank may call or accelerate maturity at option. Automatic renewal with 10-day grace period. Early withdrawal penalty equals 182 days of interest.

Offer: Interest compounded and credited every 11 months. Must fund with new money and have an open or active PointBank checking account.

Requirements

Product: Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate. Early withdrawal penalties apply.

Offer: Assumes dividends are added back to the certificate. Early withdrawal penalty: 30 days.

Requirements

Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.

Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.

Requirements

Product: Start saving with a minimum opening deposit of $1,000. Interest compounded daily and paid at maturity. Renews automatically with a 7-day grace period. Penalty for early withdrawal.

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: Promotions are for a limited time only. 8-month CDs will automatically renew into a 6-month CD.

Offer: Promotional CD offer. Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply. Interest compounded and credited quarterly.

Requirements

Product: Available for consumer and business accounts. Rates and APYs are fixed for the initial term and depend on the balance tier and maturity term selected. Simple interest is earned for terms of 365 days or less (366 days in a leap year); interest compounds annually for terms longer than 365 days unless paid out. Early withdrawal penalties apply.

Offer: Term: 365 Days - 395 Days. Must maintain minimum opening balance daily to earn stated APY.

Requirements

Product: Share/Savings account required for membership ($25 minimum balance).

Requirements

Product: These rates are subject to change monthly. Early withdrawal penalty 60 days interest.

Offer: Early withdrawal penalty 60 days interest. Rates subject to change monthly.

Requirements

Product: A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. The CD will not renew automatically at the end of the term. Interest is compounded monthly and credited monthly.