Best CD rates and certificates

Requirements

Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.

Offer: Renews to Standard CD 12 Month (1 Year) term upon maturity.

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 deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.

Requirements

Product: Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Limited-time offer. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: Quarterly compounding. Penalties may apply for early withdrawal. After the account is opened, no additional deposits may be made until maturity. Automatically renews at maturity with a 10-day grace period.

Offer: Special certificate. Quarterly compounding. Early withdrawal penalty up to 90 days dividends. Automatically renews into a non-special standard certificate.

Requirements

Product: Must establish a Membership Savings account prior to opening. Early withdrawal penalties apply. Rates are variable and subject to change without notice. Automatic renewal terms may not apply to limited-time specials.

Offer: Early withdrawal penalties apply.

Requirements

Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

Requirements

Product: All the benefits of regular share certificate plus a positive environmental impact. Fixed 18-month term. Open with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. APY assumes dividends remain on deposit until maturity; withdrawal of dividends will reduce earnings. Published rates and APYs are subject to change daily. NCUA insured up to $250,000. Membership eligibility required.

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: Must be a Latino Community Credit Union member. Interest accrues daily, but is not compounded. Dividends paid out to a separate LCCU account.

Requirements

Product: A penalty will be imposed for withdrawals before maturity on Certificates. Share Certificate rates remain fixed for the term of the certificate. Rates may change as determined by the Board of Directors.

Requirements

Product: Limited time offer. Non-renewable certificate. $1,000 minimum opening balance. Members age 55+ bonus dividend not applicable. Membership required.

Offer: Dividends accrued daily and paid monthly. Non-renewable. Early withdrawal penalties apply. Age 55+ bonus dividend not applicable.