Best CD rates and certificates

Requirements

Product: Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal.

Offer: New money only. Funds not currently held in any ACU account. Fixed for 12 months, then renews at then-current standard rate. Promotional window through November 2026.

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: Membership required. Annual Percentage Yield on Share Certificates assumes dividends earned remain on deposit until maturity. Penalty of up to 90 days of dividends may be imposed for early withdrawal. Maximum deposit of $250,000 per member account.

Offer: Maximum $250,000 per member account.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

Requirements

Product: Subject to membership eligibility and account opening requirements. $500 minimum balance required to open. Substantial penalty for early withdrawal. Fees could reduce earnings on the account. Limited time offer subject to change without notice. Redeemable at all locations.

Offer: $500 minimum balance required to open.

Requirements

Product: Certificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Dividends are earned daily and paid monthly. Additional deposits not allowed. Certificates (excluding IRA & Promotional Certificates) are automatically renewable for your selected term if applicable. Penalties will apply to only the portion of funds withdrawn: 60 days in loss of dividends for certificates with a term of 1 year or less and 180 days in loss of dividends for terms longer than 1 year. Minimum balance to open account and minimum balance to earn the APY is $1,000. Minimum balance must remain in the account at all times.

Offer: Certificate terms of 6 months, 9 month, 1 year, and 2 year are eligible for a one time rate bump. Minimum balance must remain in the account at all times.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Additions allowed up to the original opening balance in minimum amounts of $500. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

Requirements

Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.

Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.

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: Bump option can only be exercised once during the term of the Certificate and does not extend the term of the certificate. The new interest rate will not be applied retroactively and will be the rate offered on regular certificates with the same term and minimum balance. Minimum balance to open is $500. Early withdrawal penalties apply.

Requirements

Product: Terms range from 6 to 84 months. Dividends compounded and credited monthly. Zero fees; early withdrawal penalties apply (90 days dividends for 6-60 months, 365 days for 84 months). Additional deposits only during 10-day grace period and maturity.

Requirements

Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

Requirements

Product: Unlimited additional deposits throughout the term up to an aggregate maximum of $5 million per primary account holder SSN or business Tax ID. Early withdrawal penalties may be imposed.

Offer: Dividends compounded and credited monthly; calculated by Average Daily Balance method. Early withdrawal penalty is 90 days of dividends. Unlimited additional deposits up to aggregate maximum of $5,000,000.