Best CD rates and certificates

Requirements

Product: Penalty for early withdrawal. Fees may affect earnings.

Offer: New Member Special offered to new members joining after 10/1/26 with a minimum of $1,500 in new money to open. New money is defined as funds not currently on deposit at UCU that come from an outside source; transfers between existing UCU accounts do not qualify. Penalty for early withdrawal. Fees may affect earnings.

Requirements

Product: $500 minimum balance to open the account. Substantial penalty for early withdrawal.

Offer: Available to customers with mutual checking or mutual interest checking accounts

Requirements

Product: Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using the daily balance method. Additional deposits not permitted after opening. Early withdrawal penalties apply.

Requirements

Product: Requires a $500 minimum daily balance to earn APY and $500 minimum opening deposit. Interest compounded daily and credited monthly. Penalties may be imposed for early withdrawal. Benefit Plus checking account holders receive relationship rate and APY.

Offer: For Benefit Plus customers. Renews automatically into 36 Month CDs.

Requirements

Product: Certificates of Deposit are available for personal banking and business banking customers. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us .

Offer: 12 Month Special

Requirements

Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month (minimum dividend rate 2.50% / APY 2.53%, maximum dividend rate 5.50% / APY 5.64%). Early withdrawal penalty may apply.

Offer: Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month; minimum dividend rate 2.50% (APY 2.53%), maximum dividend rate 5.50% (APY 5.64%).

Requirements

Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.

Offer: 6-16 Month CD/IRA Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.

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.

Requirements

Product: CD Specials require a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain the stated APY. Substantial penalty for early withdrawal. Withdrawals will reduce earnings.

Offer: Requires a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain stated APY.

Requirements

Product: Penalties may apply for early withdrawal. Requires $500 minimum opening deposit. Dividends can be withdrawn when and how desired. Automatically rolls over at maturity.

Offer: Special promotional rate.

Requirements

Product: Dividends compound and credit monthly. Fixed rate. Automatic renewal. Additional deposits not allowed after opening. Penalty for early withdrawal is 365 days of dividends. Average daily balance method used.

Requirements

Product: Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Automatically renews at maturity at the next highest regular term with a 10-day grace period. Early withdrawal penalty applies.

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

Offer: Assumes interest will remain on deposit until maturity. A penalty may be charged for early withdrawal. A withdrawal will reduce earnings.

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.