Best CD rates and certificates

Requirements

Product: Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.

Offer: NEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies.

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

Product: Early withdrawal penalties apply. Accounts with a specific term earn the opening APY until maturity. Certificate automatically renews into like term at prevailing rate.

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: Compounded daily. Early withdrawals subject to penalty. Automatically renews (except for Renewable Once CDs). No setup or maintenance fees.

Offer: Special rate for at least 50% new money only; funds currently or recently on deposit are not eligible. Non-public institutions only. IRAs not eligible.

Requirements

Product: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.

Offer: Compounded monthly. Penalty for early withdrawal.

Requirements

Product: Must be 18 years of age or older. Must be a Beginnings Credit Union member with accounts in good standing. Business and Trust accounts are not eligible. Limited to one Lucky Savers account in NY State. Can make deposits into Lucky Savers Certificate at any time. The APY is fixed for the initial term; at renewal, the APY is variable and may change. Penalty imposed for early withdrawal. Compounded monthly. $0 monthly service fee. NCUA insured.

Offer: Fixed APY for initial 12-month term; variable at renewal. Compounded monthly. Early withdrawal penalty applies. Every $25 deposit earns a prize entry (up to 10 entries per month).

Requirements

Product: Early withdrawal penalty may be imposed. Interest credited and compounded monthly.

Offer: CD Special. Credited and compounded monthly.

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: Locked-in fixed rate for duration until maturity. Backed by FDIC insurance up to $250,000.

Offer: Special promotional rate. Minimum balance of $5,000 required to open account and obtain the APY. Interest compounded and credited quarterly. Penalty for early withdrawal. Cannot be part of TSB CD laddering package. Automatically renews to a 12 month CD.

Requirements

Product: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.

Requirements

Product: 12-month certificate term. Restricted to one withdrawal in the 12-month period subject to a $25 early withdrawal penalty; more than one withdrawal closes account and forfeits prize entries/future prizes. If closed before maturity, all earned dividends will be forfeited. Each $25 deposit earns entry into prize drawings (up to 10 entries/month). Membership eligibility applies.

Requirements

Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.

Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.