Best CD rates and certificates

Requirements

Product: Interest is compounded daily and paid at maturity. Early withdrawal penalty applies.

Offer: Early withdrawal penalties may apply. Interest compounded daily and paid at maturity.

Requirements

Product: Limited-time offer celebrating first anniversary at Suwanee Branch in Georgia only. Open account in-person at Suwanee Branch. Must have a qualifying checking account with PCB Bank and open with new money only. Account automatically renews for the same term at maturity. Early withdrawal penalty equal to 2 months' interest.

Offer: Offer good for the initial term only. Interest will not be compounded, credited at maturity. Minimum deposit of $10,000 in new money and qualifying checking account required.

Requirements

Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.

Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.

Requirements

Product: Minimum opening balance of $500. You must maintain the minimum deposit in the account every day to obtain the APY. Fixed interest rate. No deposits or withdrawals permitted until maturity, except during the 10-day grace period. Early withdrawals may result in a penalty. All certificate accounts renew automatically at maturity unless instructions are received during grace period. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional certificates of deposit when the qualifying checking account is open, funded, and in good standing at the time of CD opening.

Offer: Statement & Passbook. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional CDs when qualifying checking is open, funded, and in good standing.

Requirements

Product: A penalty may be imposed for early withdrawal on CDs (penalty may reduce principal). If CD renews automatically, at maturity the interest rate will be the prevailing renewal rate in effect.

Offer: For new members. Maximum deposit of $10,000.

Requirements

Product: Interest calculated using the daily balance method. Maximum deposit to open online is $250,000.00; larger deposits must be established at a branch. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty equals 3 months of interest for terms less than 12 months, or 6 months of interest for terms greater than 12 months. Interest can remain for compounding or be withdrawn by check if a $5,000 balance is maintained.

Offer: Term is 2 years. Interest compounded continuously and credited monthly.

Requirements

Product: Select a term from 3 to 60 months. Interest is compounded and credited monthly, and may be withdrawn before maturity. Fixed rate.

Offer: This account is for consumers only with a $250,000.00 deposit limit.

Requirements

Product: Maximum Share Certificate Amount is $100,000. Early withdrawal penalty applies: 30 days interest + $20 fee for 6 to 18 months, 90 days interest + $20 fee for 24 to 36 months.

Requirements

Product: Rates shown for ZIP code 17061 (Central PA). Annual Percentage Yields (APY) based on semi-annual compounding. Substantial penalty for early withdrawal. $500 minimum balance, $50,000 maximum balance when opening online (visit a branch for amounts over $50,000). Terms from 60 months to 10 years available when opened in a financial center. Automatically renews upon maturity.

Offer: APY based on semi-annual compounding. Substantial penalty for early withdrawal.

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.

Requirements

Product: Variable APY based on Effective Federal Funds Rate (EFFR) in effect on the last Thursday of each quarter. Minimum opening balance $750. APY effective as of 10/1/26.

Offer: Base rate.

Requirements

Product: Available In Branch and Online. Automatically renews at maturity.

Offer: Fixed rate for 3 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.

Requirements

Product: Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA. Maximum deposit is $500,000. Compounded daily and credited monthly for terms 12 months or greater; simple monthly interest paid for terms less than 12 months. Early withdrawal penalties apply.

Offer: Compounded daily and credited monthly. Early withdrawal penalty equals three months interest on the amount withdrawn.