Best CD rates and certificates

Requirements

Product: Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). Funds federally insured up to $250,000 by NCUA.

Offer: Fixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity.

Requirements

Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.

Requirements

Product: Must be new money to Ocean Bank (funds not currently on deposit at Ocean Bank). Maintain a minimum balance of your initial CD deposit amount in the account each day to obtain the disclosed APY.

Offer: Must be new money to Ocean Bank. Maintain initial CD deposit amount each day to obtain APY.

Requirements

Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.

Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.

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: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.

Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.

Requirements

Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.

Requirements

Product: Includes an option that allows you to increase or 'bump up' the dividend rate and APY once during the term to the current rate in effect at that time for a 36-month certificate. Dividends credited and compounded monthly. No monthly maintenance fee. At maturity, automatically renews into a 36-month certificate at the prevailing rate with no bump-up option. Penalties may be imposed for early withdrawal.

Offer: Option to bump up dividend rate and APY once during the 39-month term to the current rate for a 36-month certificate. Renews into a 36-month certificate.

Requirements

Product: Requires $50 opening deposit and a commitment to contribute at least $40 per month for 12 months by payroll deduction or automatic transfer. Within 12 months, funds reach $500 and can roll over to a traditional certificate account. Early withdrawal penalty applies. Promotion available for new members where initial $50 opening deposit is covered with promo code within 30 days of establishing membership.

Offer: Requires commitment to deposit at least $40 per month via payroll deduction or automatic transfer.

Requirements

Product: Early withdrawal penalty applies. Dividends paid at the end of each month. Fees may reduce earnings. Rates may change without notice.

Requirements

Product: Early withdrawal penalties may apply. FAIRWINDS Visa Signature Credit Card members can receive a 0.25% rate bump on a CD upon request at account opening or renewal.

Offer: Visa Signature Card Holders receive a 0.25% rate bump; must request rate bonus at the time of CD opening or CD renewal.

Requirements

Product: Membership required. Rates fixed for term. Unless otherwise disclosed, certificates will automatically be renewed at the rate in effect upon maturity. Early withdrawal penalties apply: terms of 6 months or less lose 90 days' worth of dividends; terms greater than 6 months lose 180 days' worth of dividends.

Offer: Minimum and maximum deposit amount of $500. Starter Rate.

Requirements

Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.

Requirements

Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $10,000 with terms up to 60 months.

Requirements

Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.