Best CD rates and certificates

Requirements

Product: Must be a member in good standing with the credit union. No additional deposits permitted after opening; early withdrawals forfeit all interest earned / subject to early withdrawal penalty. Dividends compounded and credited at maturity.

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 This is a limited time offer and may be withdrawn at any time without notice.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: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Membership eligibility required. Minimum ongoing balance of $1 in Primary Savings Account. At maturity, Certificate balance will automatically be renewed under the original account terms and conditions at the prevailing rate, unless instructed otherwise. Penalty for early withdrawal applies. Fees may reduce earnings.

Offer: Compounding Monthly. Fixed dividend rate. Members may choose to have dividends credited to a related sub-account on a monthly basis.

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: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Must be a member of Everence Federal Credit Union. Compounding quarterly. Penalty for early withdrawal: $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not. Auto-renews at maturity for the same term at the then-current rate with a 10-day grace period.

Offer: Limited-time special offer. Must be funded with new money not currently on deposit with Everence (stated as of 6/1/2026 in footnote 1 and 9/1/2026 in footnote 2). Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for a 6-month certificate.

Requirements

Product: Limited-time special. Minimum deposit of $1,000 required. Additional 0.25% rate increase (earning 4.06% APY) available when paired with a qualifying F&M Bank primary checking account (Money Market Accounts do not qualify). Early withdrawal penalties may apply.

Offer: Requires pairing with a qualifying F&M Bank primary checking account. Money Market Accounts do not qualify.

Requirements

Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.

Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.

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: 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: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: CD Special Rates. Penalty for early withdrawal may apply; withdrawals within first 6 days subject to 7 days' interest penalty. Automatically renews at maturity into a 6-month or 12-month CD depending on initial term. 10-day grace period to withdraw funds without penalty after maturity.

Offer: Initial term 17 months. Must deposit at least $500 to open and maintain $500 daily balance to obtain disclosed APY. Renews as a 12-month CD.

Requirements

Product: Dividends compounded monthly and paid monthly. Early withdrawal penalty: 6 months to 18 months = 3 month dividends whether earned or not; 2 years to 5 years = 6 month dividends whether earned or not. Automatic renewal. Fees may reduce earnings on your accounts. Membership required.

Offer: Early withdrawal penalties may apply (6 months to 18 months = 3 month dividends whether earned or not). Automatic renewal. Fees may reduce earnings.

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.