Best CD rates and certificates

Requirements

Product: Interest is compounded daily and credited quarterly. Fees could reduce earnings. Penalty may be imposed for early withdrawal. Rates are for Consumer and Business accounts, not for IRA accounts. Public Funds exclusions apply.

Offer: Earn up to 4.00% APY for 19 months. Requires a minimum deposit of $1,000 to open account and earn APY.

Requirements

Product: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.

Offer: Valid for opening accounts online.

Requirements

Product: Fixed rate CD. Length of deposit 1 to 5 years. Additional deposits not allowed. Early withdrawal penalty is 180 days interest (waived upon death or legal incompetence of account holder).

Offer: 1 Year CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100).

Requirements

Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.

Offer: Certificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more.

Requirements

Product: Minimum deposit of $250 required. Member merits do not apply. For new money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 3.78%. For new money only, except up to $5,000 existing funds when opened in branch. Member merits do not apply.

Requirements

Product: Minimum balance to open a certificate is $500. Must be a Peak Credit Union member to qualify. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal. Automatically renews at maturity if not closed. No monthly maintenance fee.

Offer: Promotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies.

Requirements

Product: Member may bump the rate one (1) time to the current market rate - the new rate remains for the maturity which is based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.

Offer: Term days: 731 – 1095.

Requirements

Product: Only one Member Appreciation Certificate is allowed per primary member. Not eligible for the 10+ year member rate bonus. Maximum deposit of $50,000. Early withdrawal penalties apply.

Offer: Maximum $50,000. Only one Member Appreciation Certificate is allowed per primary member. Not eligible for 10+ year member rate increase.

Requirements

Product: Minimum deposit of $250 required. Member merits do not apply. For new money only (funds not on deposit during promotion period, unless deposited in prior 30 days; cannot be transferred from existing account). Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 3.68%. For new money only. Member merits do not apply. Accurate as of 9/1/2026.

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: 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: Penalties for early withdrawal will be assessed. 36, 48 and 60 month certificates allow one additional deposit and one rate bump during the certificate term.

Requirements

Product: Each $25 deposit earns an entry into monthly and quarterly prize drawings. Unlimited deposits allowed subject to Official Account and Prize Entry Rules.

Offer: Participating members may deposit unlimited funds with an unlimited number of deposits.

Requirements

Product: After account is opened, additional deposits are not allowed. Early withdrawal penalty applies: 12 months or less: $25 plus 90 days dividends; 13–24 months: $25 plus 180 days dividends; 25–60 months: $25 plus 270 days dividends.