Best CD rates and certificates

Requirements

Product: Lock in a fixed rate for the term of your certificate. A penalty will or may be imposed for early withdrawal.

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

Requirements

Product: Rates are locked for the term of the term share. $500 minimum balance required.

Offer: Dividends compounded daily, credited quarterly.

Requirements

Product: Limited-time promotional certificate. Minimum opening and earning balance $10,000. Excludes IRAs. No additional deposits allowed. At maturity, automatically renews into a standard 12-Month Certificate at prevailing rate; credited dividends become part of principal. $5 one-time membership fee and savings account required for membership.

Offer: Limited-time promotional offer. Excludes IRAs. Automatically rolls into a 12-month certificate at maturity.

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: Rates as of April 2026 and subject to change without notice. APY assumes dividends remain on deposit until maturity; a withdrawal may reduce earnings. Minimum opening deposit is $5,000. Rate quoted is for new money only, balances starting at $50,000, and 9-month and 12-month terms. A penalty may be imposed for early withdrawal.

Requirements

Product: Early withdrawal penalties may apply. Minimum balance requirement is $1,000. Term lengths range from 6 months to 5 years. Insured up to $250,000 by NCUA/NCUSIF.

Offer: Penalties may apply for early withdrawals.

Requirements

Product: Deposits by foundations (i.e., nonprofit organizations, charities, etc.) are not eligible. Not available for chartered financial institutions or accounts. Deposits using cryptocurrencies are not eligible. Institutional deposits are limited to $2 million per chartered retail financial institution (excluding digital assets) and only available to retail financial institutions with less than $1 billion in total assets as of March 31, 2026. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty applies.

Offer: Upon maturity, the 15-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Available online and in-branch. Early withdrawal penalty: 180 days' dividends.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.

Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.

Requirements

Product: Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.

Offer: Fixed Rate. Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.

Requirements

Product: One penalty-free withdrawal of $1,000 or more allowed after the first 7 days, as long as the withdrawal leaves a balance of $1,000 or more or closes the certificate. Additional deposits of $1,000 or more may be made at any time. Excludes IRAs and requires new money only. Automatically renews at maturity into an 8-Month Certificate at prevailing rate. $5 one-time membership fee and savings account required for membership.

Offer: Requires new money only. Excludes IRAs. Additional deposits of $1,000 or more allowed at any time. One penalty-free withdrawal after first 7 days leaving $1,000 balance or closing account.

Requirements

Product: Rate match available for certificate rates up to 18 months from banks and credit unions inside San Bernardino and Riverside Counties.

Requirements

Product: A donation of 2% of opening deposit will be made to selected organization over 12 months for opening online. Donation is not tax-deductible. Early withdrawal subject to penalty and forfeits remaining donation.

Offer: Available online. 2% of opening deposit donated to selected organization (CA Wildfire Relief, Center for Financial Empowerment, The Los Angeles Charges Impact Fund, YMCA of Metropolitan Los Angeles, or Youth in Foster Care) over 12 months. This donation is not tax-deductible. Early withdrawal subject to penalty and forfeits remaining donation.