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: Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.

Requirements

Product: $1,000.00 minimum balance to earn APY and to open an account. Certificates automatically renew at maturity. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account. Penalty may be imposed for early withdrawal. Maintenance fee is $0.00.

Offer: Certificate is available for New Money deposits only. New Money is defined as money not currently on deposit or held by Teachers FCU within the previous 12 months.

Requirements

Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.

Requirements

Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.

Offer: New money only (funds not currently or previously on deposit at Achieva Credit Union within the last 90 days). Automatically renews to a 12-month term at then-current rate.

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: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

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: 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: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.

Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: New money only (money not currently held at any Wintrust Financial Corporation location). Early withdrawal penalties apply. At maturity, CD Specials automatically renew into a CD with a different term at standard interest rate and APY in effect on maturity date.

Offer: Requires new money only. Assumes funds remain on deposit until maturity. Minimum daily balance of $0.01 required to obtain APY.

Requirements

Product: Membership and eligibility requirements apply. Fees may reduce earnings. Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity.

Offer: Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal.

Requirements

Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.

Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).

Requirements

Product: Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.

Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity.