Best CD rates and certificates

Requirements

Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: Dividends are paid monthly directly into the certificate account. Minimum deposit of $1,000 required to open. Early withdrawal penalty may be up to half of the dividends that would be earned over the full term.

Offer: Dividends are paid monthly.

Requirements

Product: Certificates may be issued for terms other than listed above. Interest for certificates issued for terms other than listed will be paid at the rate for the nearest lower term. The Annual Percentage Yield on all Time Certificates is figured on a compounding quarterly basis for a 12-month period of time. This yield will fluctuate when compounding at a different interval or for any lesser time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: 15 Month Special.

Requirements

Product: Membership requires living, working, worshipping, or attending school in Marquette, Iron, Dickinson, Baraga, or Alger counties in Michigan. $5.00 par value share required. Early withdrawal penalty equals 90 days interest/dividends. Automatically renewable with a 7-day grace period, though certificate specials are nonrenewal accounts and do not roll over. Dividends compounded daily and credited quarterly.

Offer: Early withdrawal penalty may be imposed. Certificate specials will not renew at end of term.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: Minimum opening deposit is $50.00 unless otherwise noted. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.

Offer: 8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest.

Requirements

Product: A penalty may be imposed for early withdrawal (excludes 6-Month CD). Minimum opening deposit of $1,000.

Offer: No early withdrawal penalty.

Requirements

Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

Requirements

Product: Minimum Balance Requirement - $250.00 up to age 18, $1,000.00 over the age of 18 A penalty may be imposed for early withdrawal on a Share Certificate.

Offer: Minimum balance requirement: $250.00 up to age 18, $1,000.00 over age 18. A penalty may be imposed for early withdrawal.