Best CD rates and certificates

Requirements

Product: Money is automatically transferred from your direct deposit into the payroll certificate each time you get paid. Rate based on term selected (3 to 12 months) or certificate specials. Minimum $20 to open. Penalty for early withdrawal or no early withdrawals on specific specials. Fees may reduce earnings.

Offer: Limited Time Only Certificate Special: Must be opened in online or mobile banking between Oct 15th-19th, 2026 at 8:00 AM EST. $20 minimum and maximum to open. ACH distribution required with maximum $200/monthly, $100/bi weekly, or $50/weekly. No early withdrawals. Upon maturity, payroll certificates are transferred back into the account selected at opening. Limit one Payroll Certificate per member (SSN). Cannot use Loyalty Points or other offers in combination.

Requirements

Product: $1,000 minimum opening deposit required for 12 Month Special using funds not currently on deposit at GreenWay Bank. CD specials renew at a 12 Month term; all others renew at original term. Interest credited quarterly (3 Month compounded at maturity). Penalty may be imposed for early withdrawal.

Offer: 12 Month Special (new money). Compounding quarterly. Renews at a 12 Month term. $1,000 minimum opening deposit required using funds not currently on deposit at GreenWay Bank.

Requirements

Product: Fixed rate certificates with terms from 3 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty.

Offer: 40 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.

Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.

Requirements

Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Certificate terms from 91 days to 60 months. Fixed rates and rate bump options available. Early withdrawal penalty may apply.

Offer: 36 Month Advantage. Early withdrawal penalty may be imposed. Must have Garrett State Bank deposit account with a direct deposit. Allows for two (2) changes (bumps) in the interest rate during the 36 month term.

Requirements

Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.

Requirements

Product: Minimum investment of $300. Early withdrawal penalties may apply. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in a Regular Share account.

Offer: Term is 5 years +. Rates valid October 1 - October 31, 2026. Minimum investment $300. Early withdrawal penalty may apply.

Requirements

Offer: 7 Month Special

Requirements

Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.

Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.

Requirements

Product: JumpStart Term Savings is a 24-month Share Certificate. No starting deposit allowed. Maximum $200 automatic weekly deposit. Minimum $5 monthly deposits. Upon maturity, certificate will renew as a standard 24-month term share certificate at current rate. Early redemption penalty equals forfeiture of 180 days earnings. Dividends earned daily and paid monthly.

Offer: No starting deposit allowed. Maximum $200 automatic weekly deposit; minimum $5 monthly deposits. Early redemption penalty equals forfeiture of 180 days earnings.

Requirements

Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.

Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.

Requirements

Product: Rates as of 8/3/26 and subject to change at any time. Rates are fixed for the term. APY reflects dividends compounded and paid into the certificate monthly. Early withdrawal penalties apply.

Requirements

Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.

Offer: Special rate; limited time only, rate subject to change.