Best CD rates and certificates

Requirements

Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.

Offer: Interest payout is mandatory and must transfer monthly to another SECU deposit account.

Requirements

Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.

Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.

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: Automatic renewal. Certificate of Deposit accounts do not receive statements; account holder receives maturity notice and letter. Early withdrawal penalty applies (30 days interest for 3-month, 90 days interest for other short terms, 180 days interest for other long terms, 12 months interest for 60-month). Interest paid to certificate can be withdrawn anytime without penalty.

Offer: Special 25 Month CD. The minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest.

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: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

Requirements

Product: Minimum opening deposit $500. Available at branch locations.

Offer: Term: 3 to 5 months.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.

Requirements

Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.

Requirements

Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.

Offer: Penalty for early withdrawal.