Best CD rates and certificates

Requirements

Product: Dividends calculated and paid quarterly (credited on the first day following the end of each calendar quarter). Early withdrawal penalty equal to 90 days dividends may be charged. Variable Rate footnote applies to Share Accounts/Club Accounts/IRA shares, certificates have guaranteed earnings at a set rate for the entire term. Minimum balance to open is $500.00.

Requirements

Product: Minimum deposit is $500. Automatically renewed. Dividends compounded daily. Early withdrawal penalties apply: maturity of one year or less is 31 days dividend; maturity of more than one year is 91 days dividend.

Offer: Dividends compounded daily.

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: The Freestyle Certificate is for a 12 month term. The minimum deposit to open is $1,000.00. If the balance falls below $1,000.00 the certificate will be closed. Unlimited deposits may be made during the certificate term not to exceed a maximum balance of $500,000.00. Three (3) penalty-free withdrawals are allowed, afterward a penalty may be imposed for the early withdrawal of principal. The certificate will be automatically renewed to the same type and term at maturity. Share Certificate APY assumes dividends are retained in the certificate. Fees may reduce earnings.

Offer: Minimum deposit to open is $1,000.00. Certificate will be closed if balance falls below $1,000.00. Maximum balance is $500,000.00. Unlimited deposits allowed during term. Up to 3 penalty-free withdrawals allowed, after which a penalty may be imposed. Automatically renews to the same type and term at maturity.

Requirements

Product: Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Offer: Must have a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Requirements

Product: Requires a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Offer: Requires a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Requirements

Product: Not available for Retirement Funds. Fees may reduce earnings. Minimum balance is $0.01 to earn interest. At maturity, will be automatically renewed into a 1 Year CD. Penalty may be imposed for early withdrawal of principal. All quoted rates are subject to change without notice. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account. Maximum deposit is $250,000.00. During the initial term, you may make the following transactions on your account before maturity: Two (2) deposits not to exceed a total deposit balance of $250,000.00 and/or Two (2) penalty free withdrawals of principal, one of which may be used to bring the account balance to zero and close the account. In the event you make a withdrawal from your account, the withdrawal cannot be made until the seventh day after any deposit or partial withdrawal.

Offer: Not available for Retirement Funds. Maximum deposit is $250,000.00. During initial term, allowed two deposits (up to $250,000 max total balance) and/or two penalty-free principal withdrawals (subject to 7-day waiting period after any deposit or partial withdrawal). Renewed into a 1 Year CD at maturity. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account.

Requirements

Product: Fixed rate with unlimited deposits. New money only to open unless Freedom Ultra checking holder. Washington Trust checking account required. No municipal/government funds or IRA. Open online, in branch, or by phone.

Offer: Fixed rate with unlimited deposits before maturity (ACH, wire, ATM deposits not allowed). New money only to open; Freedom Ultra checking may use existing funds. Washington Trust checking account required. No municipal, government funds, or IRA.

Requirements

Product: Minimum balance to earn stated APY $0.01. Minimum deposit to open account is $500.00. Early withdrawal penalties will be imposed and early withdrawals reduce APY earned. Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Early withdrawal penalty may apply. $1,000 minimum balance to open.

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

Requirements

Product: A $25 minimum balance is required to earn dividends. 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: A $25 minimum balance is required to earn dividends.

Requirements

Product: Penalty may be imposed for early withdrawal. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01.