Best CD rates and certificates

Requirements

Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.

Offer: Tier 1

Requirements

Product: Consumer Online Banking Only. Early withdrawal penalty may apply. Interest is compounded monthly and assumes interest remains on deposit. Offer available for a limited time.

Offer: Consumer Online Banking Only. Early withdrawal penalty may apply.

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: A penalty may be imposed for early withdrawal.

Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.

Requirements

Product: Limited time offer while quantities last. No prior relationship requirement. Not eligible for CD Rate Boost Program. Total promotional certificates may not exceed $500,000 per member. After start, no additional deposits allowed. At maturity, funds transfer to regular 6-month or 12-month regular/jumbo certificate as applicable.

Offer: Renews/transfers at maturity to a regular 6-month certificate.

Requirements

Product: Membership required ($5 minimum share). Minimum opening deposit of $500 must be maintained throughout the term. Fixed rate for the term of the certificate. Dividends paid monthly or quarterly. Early withdrawal penalties apply.

Offer: Limited-time offer. Special promotional rate applies to new money only (funds transferred from another financial institution / new to Essential).

Requirements

Product: Substantial penalty applies for early withdrawals. Requires $1,000 minimum opening deposit. Special promotional terms require new money (funds not already on deposit at b1BANK).

Offer: Requires new money, funds not already on deposit at b1BANK. Substantial penalty applies for early withdrawal.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: CRCU membership required. One rate bump up allowed during the term of the certificate at prevailing CRCU rate on that product with no fee. You may add money anytime up to $10,000.00. Rates available for new money and money currently on deposit. Does not apply to existing certificates or IRA/HSA CDs. Penalty for early withdrawal. After promotional period ends, 12-month CD renews at 12 months and 24-month CD renews at 24 months as standard Certificate.

Offer: One rate bump up allowed during the term to the prevailing CRCU rate. After the promotional period ends, renews into standard 12-month Certificate.

Requirements

Product: Compounding monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Early withdrawal penalty applies. Minimum balance for kids/Youth Certificates is $500.00. Jumbo Certificates: $90,000 minimum; rates vary.

Requirements

Product: Compounded and credited quarterly. Average Daily Balance Method used to calculate interest. Dividends accrue on business day funds are deposited. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.

Offer: Early withdrawal penalty: up to 90 days dividends. Additional deposits at maturity.

Requirements

Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.

Offer: Bump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends.

Requirements

Product: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.

Requirements

Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).

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.