Best CD rates and certificates

Requirements

Product: Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.

Offer: Minimum to open $1,000.

Requirements

Product: No fee to set up the certificate; early withdrawal penalty may apply if funds are taken out before maturity. Dividends compound monthly, may be transferred, or paid by monthly check.

Requirements

Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of management.

Offer: Can add deposits of any amount anytime up to $1,000,000.

Requirements

Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Minimum withdrawal $500, minimum balance $5,000. Withdrawals must be made in person at a branch or by calling (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days, maximum of 3 withdrawals per month. No dividends paid on balances below balance minimum.

Offer: Minimum withdrawal $500. Withdrawals allowed without penalty every 7 calendar days, max 3 withdrawals/month. In-person or phone withdrawal required.

Requirements

Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Membership requires opening a primary savings account with a minimum balance of $5.00. $1,000 minimum required to open account and earn dividends; $100 for members age 23 and under. A penalty may be imposed for early withdrawals.

Offer: Balances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal.

Requirements

Product: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies.

Offer: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies.

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: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.

Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.

Requirements

Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.

Requirements

Product: Dividends compounded and credited monthly.

Requirements

Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.

Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.

Requirements

Product: Requires $1,000 minimum opening deposit with 50% new funds. Allows penalty-free withdrawals up to 50% of start-of-day balance daily. Additional deposits allowed during term.