Best CD rates and certificates

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 No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest).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: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.

Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.

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: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Requirements

Product: New money required. $500 minimum balance to obtain APY and to open. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD at prevailing rate with a 7-day grace period. Additional deposits of new money permitted.

Offer: Requires new money. Must deposit $500.00 to open and maintain a daily balance of $500.00 each day to obtain disclosed APY. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD with a 7-day grace period.

Requirements

Product: Early withdrawal penalties apply on CD accounts. Guaranteed fixed rate of return for the entire term.

Offer: 9 Month CD term.

Requirements

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

Offer: Fixed rate for 9 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.

Requirements

Product: Membership open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, and immediate family members. $5 deposit into a Share Savings Account required. A penalty may be charged for early withdrawal.

Offer: Standard rate without $5,0000 deposit in new money.

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: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.

Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Requirements

Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). Interest is compounded continuously and credited monthly. Penalty for early withdrawal of principal. Fees may reduce earnings. 7 calendar days grace period from maturity date.

Offer: Interest is compounded continuously. Penalty for early withdrawal.

Requirements

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

Offer: Fixed rate for 24 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.

Requirements

Product: Early withdrawal penalty may apply. Automatically renews at term end with a 7-day grace period. No monthly maintenance fees.

Requirements

Product: After opening, additions cannot be made until maturity. Early withdrawal penalty of 90 days' worth of interest may be imposed. Account automatically renews at maturity with a 10 calendar day grace period.