Best CD rates and certificates

Requirements

Product: Minimum deposit $1,000, maximum deposit $10,000. Allows unlimited additional deposits throughout the 12-month term. Early withdrawal penalties apply. Automatically renews at maturity for 12 months at current Balance Builder CD rate.

Offer: Allows unlimited additional deposits throughout the 12-month term. Early withdrawal penalties apply.

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: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.

Offer: Add more money once per term.

Requirements

Product: Rates are subject to change. Applied location: ZIP 64106.

Requirements

Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.

Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.

Requirements

Product: Open to All of Colorado. Early withdrawal penalties will apply if redeemed before maturity.

Offer: Early withdrawal penalties will apply if redeemed before maturity.

Requirements

Product: No monthly fee. Withdraw your money at any time and pay no penalties.

Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.

Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.

Offer: Compounds monthly. Early withdrawal penalties may apply.

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: Minimum deposit $1,000, maximum deposit $10,000. Allows for 1 monthly withdrawal without penalty for a total of 12 withdrawals throughout the CD term. Must maintain a minimum $1,000 monthly balance to keep the APY; if balance drops below $1,000, the rate reverts to standard savings account rate. No additional money can be added until maturity. Automatically renews at maturity for 12 months at current Safety Net CD rate.

Offer: Must maintain $1,000 minimum monthly balance to keep APY. Allows 1 monthly withdrawal without penalty.

Requirements

Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

Requirements

Product: No setup, monthly, or annual maintenance fees. Early withdrawals subject to penalty. Interest calculated using average daily balance method. Open in branch, by mail, or wire transfer.

Offer: Fixed rate. Early withdrawal penalty applies.

Requirements

Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.

Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.