Best CD rates and certificates

Requirements

Product: Minimum $1,000 to open. New money required; funds deposited may not be from an existing Financial Partners Credit Union account. Up to two penalty-free withdrawals allowed during the 9-month term; minimum balance of $1,000 must be maintained in the account at all times. Additional early withdrawals or early closure will incur a penalty.

Offer: New money only. Up to two penalty-free withdrawals allowed during term while maintaining a minimum balance of $1,000 at all times. Additional early withdrawals or early closure incur penalty.

Requirements

Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.

Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.

Requirements

Product: Membership required. Limit one 10-Month Flex certificate per member. Requires new money from outside SkyOne. Starting day 7, allows penalty-free and fee-free daily withdrawals of up to 50% of start of daily balance as of 12:00 AM; withdrawals bringing balance below $1,000 terminate the account. Additional deposits permitted anytime prior to maturity. Renews automatically into standard 11-month Liquid Certificate at maturity.

Offer: New money only. Minimum opening balance and minimum balance to earn advertised APY is $1,000.

Requirements

Product: Available only on new money deposited to UCU (money not currently or previously held in a UCU account). Special Promotional certificate will renew as a 12-month certificate at the available rate for the product at that time. Offer scheduled to end October 27, 2026. No maximum deposit amount. Early withdrawal penalties apply.

Offer: Special promotional rate available only on new money deposited to UCU. Renews as a 12-month certificate. Scheduled to end on October 27, 2026. No maximum deposit.

Requirements

Product: Membership is required. Early withdrawals are subject to penalties and may reduce earnings. Limited time offer.

Offer: Limited time offer. Early withdrawals are subject to penalties and may reduce earnings. Full relationship benefits (e.g., direct deposit of $250 minimum or automatic payment) can earn a 0.10% APY increase on a new share certificate.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Minimum to open and earn dividends is $1,000. Members ages 55+ may receive a 0.10% APY dividend increase on new or renewal certificates 24 months or greater.

Requirements

Product: Fixed rates and guaranteed returns with terms ranging from 3 to 60 months. Minimum deposit of $1,000. Penalty for early withdrawal/early closure.

Offer: Penalty for early withdrawal closure.

Requirements

Product: Promo rate available when opening a new Share Certificate with a minimum of $100.00 for a 12-month term. Assumes dividends remain on deposit until maturity.

Offer: Promo rate available when opening a new Share Certificate for a 12-month term.

Requirements

Product: Stated APY assumes that deposit balances remain until maturity. Interest is compounded monthly and credited monthly. Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty. CDs will automatically renew at maturity into the closest standard term available at the then-current market rate. You have a 10-calendar day grace period after the maturity date to withdraw funds without penalty.

Requirements

Product: Limited-time offer celebrating first anniversary at Suwanee Branch in Georgia only. Open account in-person at Suwanee Branch. Must have a qualifying checking account with PCB Bank and open with new money only. Account automatically renews for the same term at maturity. Early withdrawal penalty equal to 2 months' interest.

Offer: Offer good for the initial term only. Interest will not be compounded, credited at maturity. Minimum deposit of $10,000 in new money and qualifying checking account required.

Requirements

Product: Minimum balance $1,000. All accounts are insured to $1,000,000 by American Share Insurance. Online-only certificate promotions are available to current members through home banking or mobile banking only. Early withdrawal penalties apply. 9-month and 13-month certificates auto-renew to a 12-month certificate at maturity.

Offer: Not available for IRA accounts. Auto-renews to 12-month certificate at maturity.

Requirements

Product: Available to qualified Pasadena FCU members. Rates effective as of November 2025 and subject to change. Early withdrawal penalties apply, fees may reduce earnings. Yields based on certificates held to maturity. Dividends paid monthly.

Offer: 13-month Certificate Promotion. Minimum opening balance of $500 required and must be maintained for the full certificate term. Certificate is for new money to PFCU only. Automatically renews to a 13-month certificate at posted rate at time of renewal. Members who open a new checking account, enroll in Digital Banking, consent to eStatements, and maintain qualifying direct deposits may receive a 0.50% APY bonus rate (maximum APY of 4.50%).

Requirements

Product: HBCU may match the current Share Certificate (CD) rate and term offered by another financial institutions when verified and when you maintain an active share draft checking account with a minimum of 3 transactions and direct deposit of NetPay, PERS or Social Security.

Offer: Special Certificate Offering for 15-month term. Requires new money and is limited to one certificate per member. New money is defined as funds not currently on deposit with Huntington Beach Credit Union. There is no maximum deposit limit per member. The Special Certificate Offering will be offered until up to $2 million is funded. Penalty for early withdrawal is forfeiture of all or 90 days dividends, whichever is less, with a minimum penalty of $90 and no maximum. At maturity, certificates will automatically renew at the then current rate. Unless alternative instructions are received during this period the certificate will renew into a 12-month term.