Best CD rates and certificates

Requirements

Product: Minimum deposit $500. Terms 6 months to 5 years. One time dividend rate increase (bump) allowed during term upon request to the prevailing regular certificate rate of same term length. Not automatically renewed to bump option; at maturity renews to a Regular Certificate of same term length without bump option unless withdrawn during 10-day grace period. Early withdrawal penalty applies. Dividends compounded quarterly, paid at maturity.

Offer: One-time bump option; automatic renewal to regular certificate

Requirements

Product: No setup fees. Minimum initial deposit is $1,000.

Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).

Requirements

Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.

Offer: Requires GoldStar® Membership.

Requirements

Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).

Offer: Requires GoldStar® Membership.

Requirements

Product: $500 minimum balance/opening deposit. Full balance withdrawal permitted penalty-free beginning 7 days after funding date (no partial withdrawals; account will be closed upon withdrawal). No additional deposits permitted once balance reaches $500. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.

Offer: $500 minimum to earn stated APY. Withdrawal of full balance permitted starting 7 days after funding date. Maximum balance limits apply.

Requirements

Product: Rates subject to change. Rates are effective as of the first day of the current month. Minimum opening deposit and minimum balance is $1,000.00. Early withdrawal penalties apply. Fees could reduce earnings on the account. No monthly charge or fee for maintaining a CD.

Offer: Early withdrawal penalty is 90 days of interest.

Requirements

Product: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.

Offer: Automatic renewal

Requirements

Product: Add money as you go

Offer: Add money as you go

Requirements

Product: Rate based on the 91-day Treasury Bill average, which is calculated the last Tuesday of each quarter. Dividends paid monthly. Early withdrawal penalties apply.

Offer: Rate based on the 91-day Treasury Bill average calculated the last Tuesday of each quarter.

Requirements

Product: Fixed rate on entire balance for length of CD term. Interest may be compounded or mailed via check. Early withdrawal penalty applies.

Requirements

Product: Minimum balance/to open $500. Accounts are not opened through an online application (requires two forms of government-issued identification).

Offer: Compounded and paid monthly.

Requirements

Product: Minimum $500 to open; consumer only; balance must not fall below $100 to keep account open. Members have one penalty-free withdrawal per calendar quarter; additional withdrawals may incur a penalty on dividends. Certificate will stay an access certificate at maturity. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.

Requirements

Product: Regular share funds only; cannot be opened as an IRA certificate. Add money at any time. Penalty-free withdrawals during the first three business days of each quarter. Maximum of $250,000 per account. Bump option available. Dividends paid monthly.

Offer: Maximum of $250,000 per account. Available for regular share funds only.

Requirements

Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.

Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.

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.