Best CD rates and certificates

Requirements

Product: Certificates renew automatically with a 10-day grace period. Early withdrawal penalties: 90 days dividends for terms 1 year or less; 182 days dividends for terms from 1 year up to 2 years; 365 days dividends for terms greater than 2 years. Interest is compounded and paid monthly. Must be a Waypoint member.

Offer: Special rate effective September 28 – October 16, 2026. Valid for new and/or existing money. Minimum balance $1,000; maximum $100,000. Limited to one special share certificate per SSN.

Requirements

Product: Requires a minimum of $10,000.00 in new money (defined as funds not currently on deposit with us). Funds on deposit in a maturing Jewett City Savings Bank (JCSB) CD are eligible when an additional $10,000 in new money is added to the JCSB CD and the APY remains in effect on the date you notify us of renewal within your grace period. Minimum daily balance to obtain the APY is $0.01. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. Open in branch only.

Offer: Requires a minimum deposit of $10,000.00 in new money. Funds on deposit in a maturing JCSB CD eligible when an additional $10,000 in new money is added. Open in branch only.

Requirements

Product: All funds deposited must be New Money (funds not on deposit with Centreville Bank within the last 30 days). Early withdrawal penalty may apply.

Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.

Requirements

Product: Share Certificate APY assumes dividends are retained in the certificate. A certificate dividend penalty will be imposed for early withdrawal and will affect APY; fees may reduce earnings. Rates are fixed for the term of the share certificate.

Offer: To earn the advertised Annual Percentage Yield, a $1,000 minimum balance is required for a Share Certificate. Offer is subject to change without notice and may be withdrawn at any time. Certificate will renew at a 12 month term upon maturity and will earn the 12 month rate available on that date. APY accurate as of 10/1/2026.

Requirements

Product: Early withdrawal penalty applies. Minimum opening deposit $500; minimum balance to earn APY $500. Maximum deposit $250,000.00. Account owner under 16 must be joint with parent/guardian. Fees could reduce earnings.

Offer: 13-Month CD Special. Promotional rate is for consumer accounts only; not available for trusts or IRA CDs. Automatically renews to a 1-Year CD at maturity. Maximum deposit $250,000.00. Early withdrawal penalty applies.

Requirements

Product: $10,000 in New Money required to open the account (funds not on deposit with Centreville Bank within the last 30 days). Early withdrawal penalty may apply.

Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.

Requirements

Offer: Limited time certificate special

Requirements

Product: Requires up to $10,000 in new money. Funds on deposit in a maturing Jewett City Savings Bank (JCSB) CD are eligible when renewed within grace period. Open in branch only. Penalty may be imposed for early withdrawal. Available for a limited time only.

Offer: Requires up to $10,000 in new money. Funds on deposit in a maturing JCSB CD are eligible when renewed within grace period. Open in branch only. Available for a limited time only.

Requirements

Product: Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal. Quoted rates are subject to change without notice. All products with asterisks require consumer customers to have a Dime Bank consumer checking account.

Offer: At maturity, will be automatically renewed into a 1 Year CD. New funds not currently on deposit with Dime Bank only. Consumer customers must have a Dime Checking Account with a balance of at least $2,000.00 at time of account opening.

Requirements

Product: Available to open online, in branch, or over the phone. New money only (funds must be from sources other than Washington Trust). Washington Trust checking account required with a minimum balance of $2,500. No municipal or government funds. Early withdrawal penalties apply.

Offer: New money only; funds must be from sources other than Washington Trust. Washington Trust checking account required with a minimum balance of $2,500. Available to open online, in branch, or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Terms from 1-2 years. Washington Trust checking account required. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Offer: Choose a term from 1-2 years. Washington Trust checking account required. Open in branch or on the phone. No municipal or government funds. Early withdrawal penalties apply.

Requirements

Product: At account holder's request, interest rate and APY may be increased prior to maturity without penalty if rates increase (one time during 18-month term or two times during 42-month term). Early withdrawal penalty may apply.

Offer: Interest rate and APY may be increased one time during the 18-month term prior to maturity without penalty to current interest rate/APY for new CDs of the same type.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.