Best CD rates and certificates

Requirements

Offer: A penalty will or may be imposed for early withdrawal

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: Available for a minimum deposit of $500 with terms from 6 to 60 months. Certificates automatically renew. May be used as security to get a better rate on your next loan. A penalty will be imposed for early withdrawal.

Offer: 7 Month Special. Minimum balance of $500 required to open and earn dividends. Early withdrawals may be subject to a penalty.

Requirements

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

Requirements

Product: Special Program terms and restrictions apply.

Offer: Special Program terms and restrictions apply.

Requirements

Product: Fixed-rate account. Interest credited at maturity for terms under 7 months and quarterly for terms 9 months and more, or deposited into account if agreed at opening. Interest calculated using daily balance method. Automatically renews with a 10 calendar day grace period. Early withdrawal penalty: 1 month interest for terms of 1 year or less; 3 months interest for terms over 1 year.

Offer: Compound Frequency: Quarterly

Requirements

Product: Available in terms from 3 to 60 months. Dividends credited monthly or at maturity and compound quarterly. Penalty may be imposed for early withdrawal. Rates apply to new CDs and renewals at maturity only.

Offer: Requires a qualifying Liberty+ Checking Account.

Requirements

Product: Fixed interest rate compounded quarterly. Terms range from 30 days to 5 years. Minimum deposit of $500.00. A penalty may be imposed for early withdrawal.

Offer: Special CD. A penalty may be imposed for early withdrawal. Interest compounded quarterly.

Requirements

Product: Membership is open to all full- and part-time Gallup employees/associates and their immediate family members/household members.

Requirements

Product: Must be 18 or older and a resident of Nebraska, Iowa, South Dakota or Kansas. Substantial penalty may be imposed for early withdrawal (except No Penalty certificate).

Offer: Compounded quarterly. Substantial penalty may be imposed for early withdrawal.

Requirements

Product: Helps families set up savings for newest family members. Early withdrawal penalty applies. Compounded monthly.

Offer: Compounded monthly. Early withdrawal penalty applies.

Requirements

Product: Offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings. APY based on quarterly compounding.

Requirements

Product: Minimum opening deposit of $1,000 required. A penalty for early withdrawal may be imposed. Fees may reduce earnings on the account.

Offer: Limited-time certificate special. Penalty for early withdrawal may be imposed. Fees may reduce earnings.

Requirements

Product: Penalty for early withdrawal. No setup or maintenance fees.

Offer: Penalty for early withdrawal.

Requirements

Product: Must be a member of Kellogg Credit Union. Penalty may be imposed for early withdrawal. Withdrawal of dividends and fees may reduce earnings.

Offer: Dividends paid monthly on the last day of each month.