Best CD rates and certificates

Requirements

Product: Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.

Requirements

Product: Fixed rate certificates. A substantial penalty may be imposed for early withdrawal or failure to comply with certificate requirements. Minimum balance listed is required to purchase certificate and obtain APY. Rates subject to change weekly/without notice and paid until first maturity.

Offer: Featured certificate.

Requirements

Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Interest will compound; interest can be capitalized, applied to the Certificate of Deposit account. Interest penalty for early withdrawal (unless otherwise stated). APY based on either quarterly or semi-annual compounding. Rates are subject to change.

Requirements

Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.

Requirements

Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.

Requirements

Product: Quarterly compounded interest. No maintenance or setup fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.

Offer: New money only.

Requirements

Offer: Requires a minimum deposit of $2,500.00. Limited-time offer. First Harrison Bank reserves the right to limit deposits into this account. CD renews with a 24-month term after initial 23-month term.

Requirements

Offer: Minimum balance to obtain APY is $1,000.00. Assumes interest remains on deposit until maturity. Penalty may be imposed for early withdrawal. Automatically renewed for the same term with a 10-calendar-day grace period after maturity. Fees could reduce earnings.

Requirements

Product: Minimum balance to obtain APY is $100. APY assumes interest remains on deposit until maturity. Penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. Grace period of 10 calendar days after maturity to withdraw funds without penalty. Fees could reduce earnings.

Offer: Minimum balance to obtain the annual percentage yield (APY) is $100. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. 10 calendar days grace period after maturity date. Fees could reduce earnings.

Requirements

Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.

Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.

Requirements

Product: Penalty for early withdrawal. Rates as of 11/3/2025. Interest rates subject to change at any time without notice. Minimum balance required to obtain stated APY. Fees may reduce earnings.

Offer: Penalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings.

Requirements

Product: Dividend period for all accounts is quarterly. A penalty will be imposed for early withdrawal.

Requirements

Product: $500 minimum. Terms range from 6 to 60 months. Contact Main Office for information regarding special rates or investment terms for single investments of $100,000 and greater (including aggregate or recent aggregate deposit of $100,000). Dividends on 6 month Certificates are paid and compounded semiannual at maturity; all other Certificates are paid and compounded quarterly. Automatic renewals.

Offer: 15-Month Special. Dividends paid and compounded quarterly.

Requirements

Product: Minimum deposit required. Annual Percentage Yield assumes interest remains on deposit until maturity. Federal regulations require substantial penalty for early withdrawal. Withdrawal of principal or interest will reduce earnings.

Offer: 7 Month term. Early withdrawal penalty applies.