Best CD rates and certificates

Requirements

Product: Can only be opened online at www.amalgamatedbank.com. Cannot be opened at an Amalgamated Bank branch. Opening deposits must be new money only (deposits not previously held by the bank). Maximum opening deposit of $249,999.99 if opened online.

Offer: Must be opened online. Opening deposits must be new money only. Maximum opening deposit of $249,999.99 if opened online.

Requirements

Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies.

Offer: Offer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.

Requirements

Product: Offered for a limited time on short-term CDs. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Interest is compounded quarterly. Minimum opening deposit/balance is $1,000. Early withdrawal penalty may apply.

Offer: Short-term CD special.

Requirements

Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

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: Minimum $1,000 to open. New money required; funds deposited may not be from an existing Financial Partners Credit Union account. Up to two penalty-free withdrawals allowed during the 9-month term; minimum balance of $1,000 must be maintained in the account at all times. Additional early withdrawals or early closure will incur a penalty.

Offer: New money only. Up to two penalty-free withdrawals allowed during term while maintaining a minimum balance of $1,000 at all times. Additional early withdrawals or early closure incur penalty.

Requirements

Product: Rates effective 2026-09-16. Minimum opening deposit $1,000. Rate fixed for the stated term; dividends compounded and credited monthly. Penalty for early withdrawal. Rates with Active Checking require at least one direct deposit or ACH deposit during the monthly Statement Cycle in a checking account in good standing held by primary account owner.

Offer: Certificate Special; Rate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle)

Requirements

Product: Fixed rates and guaranteed returns with terms ranging from 3 to 60 months. Minimum deposit of $1,000. Penalty for early withdrawal/early closure.

Offer: Penalty for early withdrawal closure.

Requirements

Product: Dividends paid monthly. Early withdrawal penalties apply.

Requirements

Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.

Requirements

Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.

Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.

Requirements

Product: Dividends compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. Penalty may be charged for early withdrawal. Allows penalty-free withdrawal of interest at any time. Add-ons limited to $10,000 through duration of certificate if certificate has add-on feature.

Offer: One-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate.

Requirements

Product: Limited time special rates effective start August 6, 2026 until further notice. A minimum opening deposit and minimum balance are required to earn the stated APY. Early withdrawal penalties may apply. Fees may reduce earnings. Offers may not be combined.

Offer: Limited time CD special rate for balances of $10,000 to $99,999. Early withdrawal penalties may apply.