Best CD rates and certificates

Requirements

Product: Early withdrawal penalty applies. Fees may reduce earnings. APY assumes principal and interest remain on deposit until maturity.

Offer: Compounded Simple. CD special is available at any Adirondack Trust Company retail branch location. Offer good for a limited time only.

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: Membership eligibility required. Dividends compounded at maturity. Early withdrawal forfeits earned dividends while principal balance remains intact.

Offer: Dividends compounded at maturity. Early withdrawal forfeits earned dividend.

Requirements

Product: Membership eligibility required: open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in New York state, as well as immediate family members of. A $5 deposit into a Share Savings Account is required for membership. No monthly maintenance fees. Early withdrawal penalties may apply. Dividends compounded and paid monthly on the last day of each month.

Offer: Fixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month.

Requirements

Product: Rates may change prior to account opening. A penalty will or may be imposed for early withdrawal. No minimum balance is required to earn the stated APY after account is opened. Other terms available.

Offer: No minimum balance is required to earn the stated APY after account is opened. Early withdrawal penalty may apply.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

Requirements

Product: Dividends are compounded quarterly and paid on the last day of the quarter. Fees may reduce earnings. Penalties may apply for early withdrawal. Federally insured by NCUA.

Offer: Minimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly.

Requirements

Product: Minimum $1,000 certificate deposit. Rates on Average Daily Balance for the month. Annual Percentage Yield (APY*) assumes that the principal and interest are on deposit for one year at the same rate. All rates are subject to change without advance notice.

Offer: Early Withdrawal Penalty: 120 Days of Dividend. Minimum $1,000 certificate deposit.