Best CD rates and certificates

Requirements

Product: Minimum amount required to purchase a share certificate is $500.00. Dividends are compounded daily and credited monthly. Early withdrawals are subject to penalty which may reduce principal.

Offer: Requires a minimum of $5,000 in New Money not previously on deposit with Greater Metro FCU at opening or renewing.

Requirements

Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).

Requirements

Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). 10-Day CD Rate Guarantee applies. Maximum balance limits apply. Additional deposits allowed within first 30 days after opening.

Offer: $500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply.

Requirements

Product: Restricting each member to purchasing certificates (CDs) worth a maximum of $100,000. Early withdrawal penalties apply. Interest compounds daily and is posted monthly.

Offer: New money only special

Requirements

Product: Opening deposit and minimum balance is $1,000 ($500 for minors). Penalty for early withdrawal applies. Terms 3 months to 60 months, with additional terms available.

Offer: Promo Code: 1160. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.

Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.

Offer: Opened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.

Requirements

Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 6-month term.

Offer: Balances of $500 or more. Renewal: 6-month term at prevailing rate.

Requirements

Product: Offer applies to New Money Only for domestic personal accounts opened online.

Offer: Offer applies to New Money Only for domestic personal accounts opened online.

Requirements

Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 12-month term.

Offer: Balances between $500 and $49,999.99. Renewal: 12-month term at prevailing rate.

Requirements

Product: Minimum opening deposit of $10,000 in new money is required and must be maintained throughout the term of the certificate. New money may include funds deposited into a new or existing member's share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a certificate with a 15-month term is 12 months. Penalty imposed for early withdrawal is 180 days interest.

Offer: Requires $10,000 minimum opening deposit in new money maintained throughout the term. Penalty for early withdrawal is 180 days interest. Renews into a 12-month term.

Requirements

Product: Must be a member in good standing with the credit union. No additional deposits permitted after opening; early withdrawals forfeit all interest earned / subject to early withdrawal penalty. Dividends compounded and credited at maturity.

Requirements

Product: $500 minimum to open. Fixed rate with option to request a rate increase to the highest APY and interest rate offered for the same term if rates rise during the term. Additional funds may be added during initial 30 days after opening and for 10 calendar days beginning on the day a Rate Bump Request is submitted. Early withdrawal penalty applies prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). Maximum balance limits apply.

Offer: $500 minimum to open and earn stated APY. Early withdrawal penalty applies to a withdrawal of principal prior to maturity. Option to request an increase to the highest APY and interest rate offered for the same term prior to maturity. Maximum balance limits apply.

Requirements

Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 24-month term.

Offer: Balances between $500 and $49,999.99. Renewal: 24-month term at prevailing rate.