Best CD rates and certificates

Requirements

Product: Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of October 1, 2026 and are subject to change. Early withdrawal penalty may apply. Fees could reduce earnings.

Offer: Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Early withdrawal penalty may apply.

Requirements

Product: Rates are as of October 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings.

Offer: Minimum deposit of $500.00. Early withdrawal penalty may apply.

Requirements

Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.

Requirements

Product: Minimum opening deposit of $100. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. APY applies to the initial term of a new Certificate of Deposit.

Offer: 12 Month Fixed Rate. A penalty may be imposed for early withdrawal.

Requirements

Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.

Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.

Requirements

Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.

Offer: $500 minimum to open and earn stated APY.

Requirements

Product: FDIC insured up to $250,000. Early withdrawal penalty of 90-day loss of interest. Automatic renewal at maturity with a 10-day grace period. Fixed rate.

Offer: Assumes interest and principal remain on deposit until maturity. Early withdrawal penalty of 90-day loss of interest.

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: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.

Requirements

Product: Must be 18 years of age or older. Daily balance method used to calculate interest. Interest compounded and credited quarterly on terms of 1 year or more, and at maturity on terms of less than 1 year. Early withdrawal penalty applies. Minimum balance to open and earn APY is $2,500 for 30-day terms and $1,000 for terms 31 days or greater.

Offer: 1 Year term. Open online or in branch.

Requirements

Product: Allows subsequent deposits during the 1-year term. No monthly maintenance fee attached. Interest compounded and credited quarterly. Early withdrawal penalty applies.

Offer: 1 Year term. Open online or in branch. Allows additional deposits throughout the term.

Requirements

Product: No service fees. In branch opening option available. Interest compounded daily.

Requirements

Product: Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.

Offer: Each Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application.

Requirements

Product: A penalty may be applied for early withdrawal.

Offer: A penalty may be applied for early withdrawal.

Requirements

Product: Must be a U.S. citizen or permanent resident, at least 18 years of age, currently residing in the United States with a physical address in the U.S. Interest compounds daily using a 365/366-day basis and pays monthly.

Offer: Early withdrawal penalty applies (for terms more than 6 months and up to 12 months, penalty is 90 days' simple interest). $1000 minimum balance required to open and obtain advertised APY.