Best CD rates and certificates

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: 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: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Product: Terms from 3 months to 5 years. Compounded and credited monthly. Daily balance method. Early withdrawal penalties apply. $5 one-time membership fee and savings account required for membership.

Requirements

Product: Minimum opening deposit $500. Available at branch locations.

Offer: Term: 3 to 5 months.

Requirements

Product: Allows for a one-time option during the original term to: bump the rate to the current rate being offered for this product; and/or bump the term for up to three (3) additional months; and/or bump the principal deposit balance by making an additional deposit (minimum of $1,000 with a maximum total principal deposit of $100,000, inclusive of the original opening deposit). Early withdrawal penalty applies: terms up to 12 months lose all dividends earned up to 90 days; terms over 12 months lose all dividends earned up to 180 days.

Offer: One-time option during original term to bump rate, bump term up to 3 additional months, and/or bump principal deposit (min $1,000, max total $100,000). Early withdrawal penalty: all dividends earned up to 180 days.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.

Requirements

Product: Minimum opening deposit: $2,000 for long-term certificates. Additional funds cannot be added during the term. APYs assume dividends remain in the account until maturity. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty: 90 days' dividends for terms of 1 year or less, 180 days' dividends for terms greater than 1 year.

Offer: Early withdrawal penalty: 180 days' dividends.

Requirements

Product: Exclusive higher rate for eligible active-duty, reservists, retired military, or veteran Members and their spouses. Eligibility must be verified with valid military or veteran identification at account opening. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends. Monthly automatic deposits between $10 and $1,000 required.

Offer: Available only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000.

Requirements

Product: Must be a Member or qualify for membership to open a certificate. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends and APY. Monthly automatic deposits between $10 and $1,000 must be the same amount each month for full term. Early withdrawal penalty applies.

Offer: Opening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends.

Requirements

Product: Allows one rate bump during the term at owner's request if rates rise; new rate remains in effect until maturity. Additional deposits allowed at any time during the term. Minimum deposit and balance to earn dividends is $1,000. $5 one-time membership fee and savings account required for membership.

Offer: Allows one rate bump during term. Additional deposits allowed anytime.

Requirements

Offer: Step period 1 (months 1-7)

Requirements

Offer: Months 21-30