Best CD rates and certificates

Requirements

Product: Dividends can compound, be paid by check, or transferred to an account monthly (min. $10.00). Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.

Offer: Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.

Requirements

Product: To qualify for the $250 opening deposit, you must be bringing new money to your NGM Credit Union accounts. For transfer of funds from existing NGM Credit Union accounts to a CD the opening balance is $1,000. 2 months dividend penalty applies for early withdrawal on all terms. Specific disclosure about the Term Share Account is available at the Credit Union when you open a new account or upon request. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund up to $250,000.

Offer: Promotional rate. $250 opening deposit requires new money; $1,000 opening balance for transfers from existing NGM Credit Union accounts.

Requirements

Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.

Offer: Dividends compounded and credited monthly.

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

Requirements

Product: $500 minimum balance required. Substantial penalty for early withdrawal. Automatically renews at maturity with a 10-day grace period. Compounded and credited monthly.

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: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Fixed dividend rate not changing during certificate term. Dividends calculated from date of deposit and posted monthly on final calendar day. Automatic renewal at maturity for original term with 10-day grace period. Withdrawals of principal allowed with penalty; withdrawals of dividends allowed without penalty.

Offer: Compounding monthly. APY based on minimum deposit.

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: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.

Offer: Term: 6-11 Months. Balance tier: Less than $10,000.