Best CD rates and certificates

Requirements

Product: Dividends are compounded and paid quarterly. Penalty applies for early withdrawal. Certificates can be rolled over at maturity.

Offer: Special Certificates do not automatically renew at maturity.

Requirements

Product: Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).

Offer: Early withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal.

Requirements

Product: $1,000.00 minimum deposit required. No early withdrawal is allowed. All interest rates are subject to change without notice. Interest may be paid by reinvestment, check, or automatic transfer to a deposit account at the bank. Interest can be paid monthly, quarterly, semi-annually, or annually.

Requirements

Product: Must be opened at a branch (not available online). Add-On Benefit is available on all CDs with terms of 21 months or less, allowing additional deposits throughout the certificate term earning the same interest rate.

Offer: Special CD. Add-On Benefit available. Early withdrawal penalty 2%.

Requirements

Product: Initial Interest Rate Is In Effect Until First Maturity.

Offer: Quarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 3 Month Interest.

Requirements

Product: Interest Bearing Account. Early withdrawal penalty applies. Renewal terms apply.

Offer: Early withdrawal penalty: three months’ interest on the amount withdrawn. Auto-renews for identical term.

Requirements

Product: Not available with IRAs. Assumes interest will remain on the deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

Offer: Not available with IRAs.

Requirements

Product: Rates subject to change without notice. Penalty for early withdrawal. No compounding, interest paid at maturity. Renews automatically upon maturity after 10-day grace period.

Offer: No compounding, interest paid at maturity. Penalty for early withdrawal.

Requirements

Product: Interest compounded monthly, accrued daily, and credited monthly. Penalty applies for early withdrawal. Automatically renewable with a 10-day grace period.

Offer: 9 Month SPECIAL

Requirements

Product: Early withdrawal penalties apply. A withdrawal may reduce earnings. Membership eligibility required.

Offer: Limited time special offer. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union or Gateway Metro Federal Credit Union. Minimum opening deposit of $500. Membership eligibility required. Early withdrawal penalties apply.

Requirements

Product: Membership eligibility required. Promotional certificate of deposit. Account is subject to penalty for early withdrawal. Fees could reduce earnings.

Offer: Must be funded with money that has not been on deposit with Vantage Credit Union for 30 days prior to opening. Traditional and Roth IRA CDs not available.

Requirements

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

Requirements

Product: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.

Offer: Compounding and crediting at maturity. Early withdrawal penalties apply.

Requirements

Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.