Best CD rates and certificates

Requirements

Product: Must be a member of Everence Federal Credit Union. Compounding quarterly. Penalty for early withdrawal: $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not. Auto-renews at maturity for the same term at the then-current rate with a 10-day grace period.

Offer: Limited-time special offer. Must be funded with new money not currently on deposit with Everence (stated as of 6/1/2026 in footnote 1 and 9/1/2026 in footnote 2). Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for a 6-month certificate.

Requirements

Product: Minimum deposit $1,000.00/Rates & Terms vary

Offer: SPECIAL CD; Upon maturity, CD will automatically renew at standard 12 month rate. Not valid with any other offer.

Requirements

Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

Requirements

Product: Fixed-rate personal CDs. Interest may be paid by direct deposit or added to the CD; compounds quarterly, credited quarterly or at maturity. Automatic renewal after a 7-day grace period. No setup or maintenance fees. Substantial penalty for early withdrawal.

Offer: 7 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 3 months.

Requirements

Product: 18-month variable rate CD. Early withdrawal penalty waived with 7-day notice of intent to withdraw funds; penalty may be imposed without notice. Not eligible to be opened as an IRA CD.

Offer: 18-month variable rate CD. Early withdrawal penalty waived with 7-day notice of intent to withdraw funds; penalty may be imposed without notice.

Requirements

Product: Minimum deposit amount is $1,000.00 and the maximum is $1,000,000.00. Compounded quarterly and credited quarterly. Early withdrawal penalties apply.

Offer: Early withdrawal dividend penalty of 60 days.

Requirements

Product: Variable rate account. Substantial penalty for early withdrawal. Assumes interest will remain on deposit until maturity.

Offer: Variable rate account

Requirements

Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.