Best CD rates and certificates

Requirements

Product: Contact memberservices@finexcu.org for CD rates greater $75,000. Minimum of $1,000 to open. An early withdrawal penalty may apply to share certifications if you withdraw any of the principal before the maturity date. Dividends compounded and credited every month.

Offer: 18 Month Special-NEW MONEY ONLY. New Money is considered funds not currently under deposit at Finex Credit Union.

Requirements

Product: Early withdrawal penalties may apply. Interest compounded daily and credited monthly.

Offer: Minimum balance to open and earn APY is $500.00.

Requirements

Product: $1,000 minimum opening deposit. Dividends are compounded and credited monthly. Early withdrawal penalty fees may reduce earnings. Certificates up to $50,000 can be opened online; greater than $50,000 must visit a branch. Automatically renews at current rate with a 7-day grace period.

Requirements

Product: No monthly fees or service charges. Membership eligibility required. Penalty may be imposed for early withdrawals.

Requirements

Product: Must be opened with a minimum deposit of $1,000.00. Early withdrawal penalty applies (90 days interest for terms < 12 months, 180 days interest for 18 to < 36 months, 360 days interest for >= 36 months). If balance drops below minimum balance requirement during term, interest rate and APY is reduced to posted Statement Savings rate and APY. Monthly service fees: n/a.

Offer: Special

Requirements

Product: Not available for Retirement Funds. Fees may reduce earnings. Minimum balance is $0.01 to earn interest. At maturity, will be automatically renewed into a 1 Year CD. Penalty may be imposed for early withdrawal of principal. All quoted rates are subject to change without notice. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account. Maximum deposit is $250,000.00. During the initial term, you may make the following transactions on your account before maturity: Two (2) deposits not to exceed a total deposit balance of $250,000.00 and/or Two (2) penalty free withdrawals of principal, one of which may be used to bring the account balance to zero and close the account. In the event you make a withdrawal from your account, the withdrawal cannot be made until the seventh day after any deposit or partial withdrawal.

Offer: Not available for Retirement Funds. Maximum deposit is $250,000.00. During initial term, allowed two deposits (up to $250,000 max total balance) and/or two penalty-free principal withdrawals (subject to 7-day waiting period after any deposit or partial withdrawal). Renewed into a 1 Year CD at maturity. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account.

Requirements

Product: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Offer: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply.

Requirements

Product: Minimum balance on all share certificates: $1,000. Interest paid monthly. Substantial penalty for early withdrawal. 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.

Offer: 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.

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: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: A $2,500 minimum deposit is required to earn stated dividend rates and yields. Penalty for early withdrawal varies according to maturity. Dividends are compounded and paid monthly.

Requirements

Product: Minimum opening deposit of $1,000. Maximum deposit of $750,000. No monthly fees. Allows unlimited partial withdrawals with no penalty fee after 7 days of opening and funding the account; substantial penalty for early withdrawal within first 7 days. After initial funding deposit, additional deposits are not allowed even during 10-day grace period. Automatically renews into a 7 Month Flex CD at current rate.

Offer: Fixed rate for full 7-month term. Penalty-free unlimited withdrawals after first 7 days. Minimum opening deposit $1,000 required to earn APY. Maximum deposit $750,000.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: No withdrawals permitted until maturity. Only the first $10,000 earns dividends. Add funds anytime. Automatic renewal into the same term.

Offer: Maximum dividend-earning balance: $10,000. Withdrawals not permitted until maturity.

Requirements

Product: $1,000 minimum to open. You can withdraw the full balance and accrued interest without penalty beginning 7 calendar days after funding. Partial withdrawals not permitted. Daily balances below $1,000 do not earn APY. Interest compounded daily and credited monthly.

Offer: Full balance and accrued interest can be withdrawn without penalty beginning 7 calendar days after funding. No partial withdrawals. Daily balances below $1,000 do not earn APY.