Best CD rates and certificates

Requirements

Product: Early withdrawals subject to penalty. No setup or monthly service charges.

Offer: A penalty may be imposed for early withdrawal.

Requirements

Product: $10,000 minimum deposit applies to Share Jumbo Certificates. New Shares Certificate opened with at least $5,000 from another source (new money) will receive an additional 0.50% rate above published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

Requirements

Product: Must be new money to Ocean Bank (funds not currently on deposit at Ocean Bank). Maintain a minimum balance of your initial CD deposit amount in the account each day to obtain the disclosed APY.

Offer: Must be new money to Ocean Bank. Maintain initial CD deposit amount each day to obtain APY.

Requirements

Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.

Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.

Requirements

Product: ConnectOne Bank opens CDs as Time Deposits. IRA Time Deposits are not available online. Promotional rates subject to change without notice. Early withdrawal penalties may be imposed.

Offer: 4 Month Penalty-Free CD. No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest). Promotional rate.

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: Early withdrawal penalties may apply. Flexible dividend payment options. Minimum investment $1,000.

Offer: Promotional certificate rate also effective Sep 1, 2026.

Requirements

Product: Rates are subject to change. Applied location: ZIP 64106.

Requirements

Product: Early withdraw penalties may apply. Fees may reduce earnings. Low minimum deposit of only $1,000. Dividends compound annually or at maturity. Automatic renewal.

Offer: Early withdraw penalties may apply. Fees may reduce earnings.

Requirements

Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.

Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

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.

Requirements

Product: Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.

Offer: In-branch rate special; limited time offer

Requirements

Product: Personal term savings account. Interest compounded daily and paid monthly or at maturity. Early withdrawal penalty may apply. No additional deposits allowed before maturity. Fixed interest rate and APY for the term.