Best CD rates and certificates

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

Product: All rates subject to change. Annual percentage yield assumes interest remains on deposit until maturity. Daily balance method used to calculate interest. Additional deposits and principal withdrawals not permitted prior to maturity. Automatic renewal with a 10-day grace period. Early withdrawal penalties apply.

Offer: CD 5 Year. Compound APY. Compounded and credited quarterly. Earned interest must be greater than $10.00 to withdraw; otherwise it is compounded. Automatically renews for a 60-month term.

Requirements

Product: Requires a minimum opening deposit of $50 and automated deposits / transfers over 12 months. Certificate accounts are subject to penalty for early withdrawal. Membership eligibility required.

Offer: Requires automated deposits. Assumes dividends are reinvested and the rate continues for a year. Early withdrawal penalty may apply.

Requirements

Product: Additions may be made at any time in increments of $50 or more. Rate may change after a CD is opened. Penalties apply for early withdrawals; fees may reduce earnings.

Offer: Additions in increments of $50 or more.

Requirements

Product: Special one-year certificate. Build up balance with automatic transfers from other Mid American accounts timed to payday. Requires a $10.00 minimum deposit transferred into the certificate at least monthly. Transfers may occur weekly, bi-weekly, semi-monthly or monthly and must come from a non-tax favored savings or checking account. Early withdrawal penalty may apply.

Offer: Minimum opening deposit: $100. Requires $10.00 minimum deposit transferred at least monthly from a non-tax favored savings or checking account.

Requirements

Offer: Step period 1 (months 1-7)

Requirements

Product: Unless otherwise specified, requires a minimum of $1,000.00 to open. CDs are automatically renewable unless otherwise disclosed at the time the account is opened. A penalty may be imposed for early withdrawal.

Offer: Term: 60 months and above. Interest is compounded and credited quarterly (or direct deposit).

Requirements

Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.

Offer: Interest cannot remain on deposit; payout of interest is mandatory.

Requirements

Product: Penalty for early withdrawal. No setup or maintenance fees.

Requirements

Product: Penalty for early withdrawal. No setup or maintenance fees.

Offer: Penalty for early withdrawal.

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.

Requirements

Product: Allows one rate increase during the CD term should Rate Watcher rates go up. Early withdrawal penalty is 3% of withdrawal amount or $100, whichever is greater.

Requirements

Product: Designed for businesses and individuals carrying a high balance and desiring rate flexibility; allows one rate increase during the CD term should Rate Watcher rates increase during the same term.

Offer: Allows one rate increase during the CD term should Rate Watcher rates go up during the same term.