Best CD rates and certificates

Requirements

Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.

Offer: Special rate; limited time only, rate subject to change.

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.

Requirements

Offer: Interest paid at maturity. Ability to fund throughout the term of the CD. No penalty may be imposed for early withdrawal.

Requirements

Product: Expected Profit Rate and Expected Annual % Yield. See Disclosure of Account Terms for Truth in Savings provided at account opening.

Offer: Ability to fund throughout the term of the CD. No discount may be applied for early withdrawal. Profit paid at maturity.

Requirements

Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.

Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.

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: 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: 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: Requires $50 opening deposit and a commitment to contribute at least $40 per month for 12 months by payroll deduction or automatic transfer. Within 12 months, funds reach $500 and can roll over to a traditional certificate account. Early withdrawal penalty applies. Promotion available for new members where initial $50 opening deposit is covered with promo code within 30 days of establishing membership.

Offer: Requires commitment to deposit at least $40 per month via payroll deduction or automatic transfer.

Requirements

Product: Penalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings.

Offer: Penalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings.

Requirements

Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.

Requirements

Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.

Requirements

Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.