Best CD rates and certificates

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Variable dividend rate and APY effective 10/01/2026 through 12/31/2026. Rate is market-linked, determined by the 3-month Treasury Bill auction investment rate on or about the 26th day of the last month of each quarter, effective on the first business day of the next quarter. Minimum opening deposit is $750. Subsequent deposits can be added at a minimum of $2,500 or more per deposit at any time. Early withdrawal penalty applies.

Offer: Variable rate based on 3-Month Treasury Bill. Minimum opening deposit $750; subsequent deposits $2,500 or more.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Minimum balance requirement of $500 to open certificate and obtain APY. Interest compounded daily and credited quarterly. Upon maturity, Certificate Special accounts default to the current 12-month rate and term. Allows one rate increase and one additional deposit up to original amount during the initial term.

Offer: Interest compounded daily and credited quarterly. Defaults to current 12-month rate and term upon maturity.

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: 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 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: 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.

Requirements

Product: Minimum deposit of $250 required. Member merits do not apply. For new money only. Certificate owner may increase the interest rate one time during the term to match the current rate offered on the standard 24-month certificate, not to exceed an increase of 0.50%. Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 3.68%. One-time rate bump up to 0.50% during term to match standard 24-month certificate rate. New money only. Member merits do not apply. Accurate as of 9/1/2026.

Requirements

Product: $500 minimum opening deposit for Regular Certificates. Penalty for early withdrawal may apply. Additional deposits not permitted after account opening. Early withdrawal penalty: 12 months or less = 90 days' interest; greater than 12 months up to 35 months = 180 days' interest; greater than 35 months = 270 days' interest. 10-day renewal grace period. Optima Club 60 Mo Certificate requires $2,500 minimum opening balance.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Fixed rate for term of CD. Minimum deposit to open an account is $500.00. Automatic renewal or payment upon maturity. Early withdrawal penalty applies.

Offer: Quarterly compounding.