Best CD rates and certificates

Requirements

Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.

Offer: Term is more than 3 months to 6 months (also listed as Up to 6 Months on personal CD page).

Requirements

Product: Requires membership at Downey Federal Credit Union. No monthly service charge. Unlimited deposits in increments of $1,000 or more. Allows a one-time penalty-free withdrawal of up to 50% of the balance after seven calendar days.

Offer: Available with an open Shield Elite Checking Account and membership in good standing. New money requirement waived for active Shield Elite Checking Account holders.

Requirements

Product: Rate fixed for entire term. Substantial penalty for early withdrawal. APY accurate as of 10/16/2026.

Offer: Balance $10,000.00 to $99,999.99.

Requirements

Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.

Requirements

Product: Special certificate for 75th anniversary. Available to new and existing University Credit Union members whose accounts are in good standing. Renews as a 6-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Offer: Renews as a 6-month certificate. Available to new and existing members in good standing. No maximum deposit.

Requirements

Product: NCUA insured up to $250,000. Minimum opening deposit is $500 ($100,000 for Jumbo Certificates). Monthly dividend crediting. Early withdrawal penalty applies: 90 days’ dividends for terms 1 year or less, 120 days’ dividends for terms over 1 year but less than 5 years, 180 days’ dividends for terms 5 years or more. Certificates automatically renew at the current dividend rate unless you choose to transfer funds to your Share Account.

Requirements

Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.

Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.

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: Must be a member or qualify for membership to open a certificate. Federally Insured by NCUA.

Offer: Special Promo. New 9-Month Term Savings Certificate minimum balance required of $2,500 or more to earn 3.75% APY. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At maturity, if no action is taken, funds will automatically roll over into a standard, non-promotional 6-Month Term Savings Certificate at the then current rate.

Requirements

Product: Logix membership required. $5,000 min opening deposit. Allows one rate increase (bump) and one additional deposit during term. Cannot be opened as an IRA. Automatically renews as standard 12-Month Certificate at maturity.

Offer: Platinum Tier APY.

Requirements

Product: New money only. Logix membership required. $1,000 min opening deposit. Allows one additional deposit of any amount during the first 11 months and one withdrawal of up to 25% of balance penalty-free. Cannot be opened as an IRA. Automatically renews as a standard 12-Month Certificate at maturity.

Offer: Platinum Tier APY.

Requirements

Product: Available for consumer and business accounts. Rates and APYs are fixed for the initial term and depend on the balance tier and maturity term selected. Simple interest is earned for terms of 365 days or less (366 days in a leap year); interest compounds annually for terms longer than 365 days unless paid out. Early withdrawal penalties apply.

Offer: Term: 365 Days - 395 Days. Must maintain minimum opening balance daily to earn stated APY.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.