Best CD rates and certificates

Requirements

Product: Rates are subject to change without notice. Early withdrawal of a Certificate will incur a penalty. Fees may reduce earnings.

Requirements

Product: Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal. Quoted rates are subject to change without notice. All products with asterisks require consumer customers to have a Dime Bank consumer checking account.

Offer: At maturity, will be automatically renewed into a 1 Year CD. New funds not currently on deposit with Dime Bank only. Consumer customers must have a Dime Checking Account with a balance of at least $2,000.00 at time of account opening.

Requirements

Product: Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.

Requirements

Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.

Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.

Requirements

Product: Select a term from 3 to 60 months. Interest is compounded and credited monthly, and may be withdrawn before maturity. Fixed rate.

Offer: This account is for consumers only with a $250,000.00 deposit limit.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Offer: For a limited time only. New money only.

Requirements

Product: Dividends paid monthly on Average Daily Balance. Automatic rollover at maturity. Minimum $1,000 to open.

Requirements

Product: Minimum deposit is $500. Automatically renewed. Dividends compounded daily. Early withdrawal penalties apply: maturity of one year or less is 31 days dividend; maturity of more than one year is 91 days dividend.

Offer: Dividends compounded daily.

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

Offer: Promotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply.

Requirements

Product: The Freestyle Certificate is for a 12 month term. The minimum deposit to open is $1,000.00. If the balance falls below $1,000.00 the certificate will be closed. Unlimited deposits may be made during the certificate term not to exceed a maximum balance of $500,000.00. Three (3) penalty-free withdrawals are allowed, afterward a penalty may be imposed for the early withdrawal of principal. The certificate will be automatically renewed to the same type and term at maturity. Share Certificate APY assumes dividends are retained in the certificate. Fees may reduce earnings.

Offer: Minimum deposit to open is $1,000.00. Certificate will be closed if balance falls below $1,000.00. Maximum balance is $500,000.00. Unlimited deposits allowed during term. Up to 3 penalty-free withdrawals allowed, after which a penalty may be imposed. Automatically renews to the same type and term at maturity.

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: Dividends are compounded and credited monthly. The minimum opening deposit and minimum balance to earn the stated APY is $1,000. Automatic renewal upon maturity. 7 calendar day grace period to withdraw or transfer funds without penalty. Open online for amounts up to $5,000; visit a branch for amounts over $5,000.

Requirements

Product: Additional amounts in $500 increments. Dividends are paid quarterly and transferred to Share Savings Account; dividends will not be compounded. Penalties for early withdrawal apply. Automatically renews at maturity at the current rate unless written notice is received prior to maturity or funds are withdrawn at maturity. Requires primary Share Savings Account with $25.00 initial share deposit and minimum balance.

Offer: Dividends paid quarterly and transferred to Share Savings Account without compounding. Automatically renews at maturity.