Best CD rates and certificates

Requirements

Product: All certificates can be added onto, $200 minimum add on. Penalty for early withdrawal may apply. Fees may reduce earnings.

Offer: 18 month term. All certificates can be added onto, $200 minimum add on.

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: Fixed interest rate. Interest is compounded and paid at maturity. Add-on feature ($200 minimum). Penalty for early withdrawal may apply.

Offer: 11 month term. Add-on feature ($200 minimum add on).

Requirements

Product: Special CDs available for a limited time. Fees may reduce earnings. Early withdrawal penalties may apply.

Offer: An active personal or business checking account is required to obtain the advertised APY. Available for a limited time.

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: Membership required. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Early withdrawal penalty applies (90 days dividends for maturity <= 12 months, 180 days dividends for maturity > 12 months).

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: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.

Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.

Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.

Requirements

Offer: Fixed rate. Interest compounded and credited quarterly. Additional deposits not allowed. Early withdrawal penalty: 180 days interest. Automatic renewal with 10-day grace period.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.

Requirements

Offer: Step period 1 (months 1-7)