Best CD rates and certificates

Requirements

Product: A Base Shares, Youth Savings, or Business account is required to open a CD. Formerly known as Share Certificates. Dividends paid monthly. Early withdrawal penalties may apply.

Offer: 5 month special. Dividends paid monthly. Auto-renews at maturity into a standard 6 month CD.

Requirements

Product: Quarterly statements. Automatically renewable at maturity. May be pledged as collateral for a loan. Early withdrawal penalty may apply.

Offer: eStatements only. Business and personal accounts qualify. Early withdrawal penalty may apply.

Requirements

Product: $500.00 minimum to open Certificate of Deposit. A substantial interest penalty may be required for early withdrawals. Fees could reduce earnings.

Requirements

Product: Interest compounded monthly. Early withdrawal penalties may be imposed. $500 minimum to open. Funding for accounts opened online is limited to a maximum of $100,000. Online account opening available for residents of ME, VT, NH, MA, CT, and RI.

Offer: Special CD offer. May not be combined with Prestige checking preferred rate. Not eligible for partial withdrawals below the minimum qualifying balance. Special can end at any time.

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: $500.00 minimum deposit to open this account and obtain the stated APY. Annual percentage yield is effective 10/1/26. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings. Not available as an IRA.

Offer: $500.00 minimum deposit to open this account and obtain stated APY. Not available as an IRA. Early withdrawal penalty may apply. Fees and withdrawals could reduce earnings.

Requirements

Product: Federally insured by NCUA. Penalties may apply for early withdrawal. Fees could reduce earnings. Limited time offers may be discontinued at any point.

Offer: CD Special / Fall CD Special. Limited time offer. There is no maximum limit.

Requirements

Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.

Requirements

Product: Available to consumers only. Requires a Ledyard Bank consumer checking account to open and earn stated APYs. Penalty may apply for early withdrawal. Fees could reduce earnings.

Offer: Requires a $1,000 minimum deposit and a Ledyard Bank consumer checking account to open and earn stated APY.

Requirements

Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month (minimum dividend rate 2.50% / APY 2.53%, maximum dividend rate 5.50% / APY 5.64%). Early withdrawal penalty may apply.

Offer: Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month; minimum dividend rate 2.50% (APY 2.53%), maximum dividend rate 5.50% (APY 5.64%).

Requirements

Product: CDs are term deposits providing FDIC insurance up to applicable limits. Early withdrawal penalty may apply. Interest can be automatically deposited into another account or CD used as loan collateral. Preferred rate may be available for Advantage Checking accountholders.

Offer: 13 Month CD Special

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: Penalty imposed for early withdrawal prior to maturity date.

Offer: Penalty imposed for early withdrawal prior to maturity date.

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.