Best CD rates and certificates

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

Requirements

Product: Penalty may be imposed for early withdrawal. Withdrawals or fees may reduce earnings. Other rates and terms may be available.

Offer: No limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY.

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: Requires a $500 minimum daily balance to earn APY and $500 minimum opening deposit. Interest compounded daily and credited monthly. Penalties may be imposed for early withdrawal. Benefit Plus checking account holders receive relationship rate and APY.

Offer: For Benefit Plus customers. Renews automatically into 36 Month CDs.

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: 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: Only available for funds not currently on deposit at Primary Bank. Minimum deposit to open is $1,000. Automatically renews into a 12-month CD at the interest rate in effect at the time of renewal unless withdrawn during the grace period.

Offer: New Money Only. Minimum deposit to open is $1,000. The CD will automatically renew into a 12 month CD at the interest rate in effect at the time of renewal unless the funds are withdrawn during the grace period.

Requirements

Product: $500.00 minimum deposit. Early withdrawal penalty may apply. Fees and withdrawals could reduce earnings.

Requirements

Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.

Requirements

Product: Flex CD features: one-time penalty-free withdrawal up to 25% of principal balance without losing earned interest, one-time rate bump/upgrade during initial term, and one-time additional deposit during initial term not to exceed original deposit amount. CD accounts only; ineligible for IRAs. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.

Offer: 30 Month Flex CD Promo. One-time penalty-free withdrawal up to 25% of principal balance, one-time rate upgrade, one-time additional deposit up to original deposit amount. CD only, IRA ineligible.

Requirements

Product: A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Monthly service fee is $0.

Offer: Special rate. Valid for new money only; transfers from existing Camden National Bank accounts are not eligible. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the CD Special account is opened. For individuals only. Available for new accounts opened on or after 3/4/2026. Early withdrawal penalty will apply. You must maintain the minimum balance each day to receive disclosed APY.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Interest compounding monthly (for CD terms in excess of six months). Interest rate guaranteed for term of investment. Automatic renewal option at maturity. Balances insured by the FDIC up to the maximum allowed by law. Penalties for early withdrawal may apply. $500 Minimum Balance Required. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.