Best CD rates and certificates

Requirements

Product: Maturity terms range from 91 days to 5 years. Additional deposits not accepted during the term. The certificate may be increased at the time of maturity or renewal. Renews for the same term at the interest rate in effect at maturity if not redeemed. Interest earned may be added back, paid by check, or deposited in checking/savings. 10-day grace period after maturity date. Early withdrawal penalty applies. Online accounts do not qualify for Class Act Club special interest rate increases.

Offer: 13 Month term. Interest is compounded and credited quarterly and again at maturity. At maturity, automatically renews as standard 12-Month CD unless funds are withdrawn during grace period. Promotional offer.

Requirements

Product: Must maintain a Share Savings Account with a minimum balance of $5.00 for credit union membership. Gold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies.

Offer: Gold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies.

Requirements

Product: Account fees may reduce earnings on certificates.

Requirements

Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.

Offer: Requires an Independent Bank checking account.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.

Offer: 7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.

Requirements

Product: Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100). Rate remains the same throughout the term. Automatically renews unless different option selected.

Offer: Explorer's Club members have a minimum of $100.

Requirements

Product: NEW MONEY ONLY. Quarterly dividend transfers to share account, non-automatic renewal, simple interest paid quarterly.

Offer: New money only; interest must be transferred to share account; quarterly dividend transfers; non-automatic renewal; simple interest paid quarterly.

Requirements

Product: Rates are subject to change at any time, by direction of Board of Directors.

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: Account fees may reduce earnings on certificates.

Requirements

Product: Footnote states Add-On Certificates are suspended, see account and contact credit union for more details.

Offer: Footnote states Add-On Certificates are suspended, see account and contact credit union for more details.

Requirements

Product: Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.

Requirements

Product: Minimum opening deposit is $50.00 unless otherwise noted. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.

Offer: 8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest.