Best CD rates and certificates

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: 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

Offer: Early withdrawal penalty applies. Dividends compound daily.

Requirements

Product: Personal accounts only. Requires a $10,000 minimum opening deposit. Interest is compounded daily, calculated on an actual/365 day basis, and paid at maturity. Early withdrawal subject to substantial penalty. For balances of $1,000,000 and above, speak to an account representative.

Offer: Valid on personal accounts only. Early withdrawal subject to substantial penalty.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

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: 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: With terms between six (6) and thirty (30) months (also offering 42 months on rate schedule) and a low minimum balance of $1,000. Interest compounded daily and credited monthly or quarterly depending upon preference. Early withdrawal penalty applies; automatic renewal with 7 calendar day grace period.

Offer: Term is 30 months. Early withdrawal penalty of 6 months interest.

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: The minimum deposit to open a Certificate of Deposit is $2,500. A monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals may be imposed.

Offer: A monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals on certificate of deposit accounts may be imposed. Fees could reduce earnings.

Requirements

Product: A depositor must be enrolled in one of our reward programs to qualify. A penalty may be imposed for early withdrawal which could reduce the earnings on the account.

Offer: Interest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal.

Requirements

Product: A penalty may be imposed on all savings certificates for early withdrawal, which could reduce the earnings on the account.

Offer: Interest compounds quarterly. A penalty may be imposed 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: 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.

Requirements

Product: Allows a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. Exclusively for USAA members. Early withdrawal penalty applies. Minimum initial deposit: $1,000 for Standard, $95,000 for Jumbo, $175,000 for Super Jumbo.

Offer: Standard CD, 3 years term.