Best CD rates and certificates

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: During the term, account owner may withdraw up to 50% of account balance once per calendar month without penalty. Withdrawals over 50% incur a penalty equivalent to 180 days' worth of dividends on the remaining amount. Early withdrawal penalty may apply. Available to personal and business members.

Offer: Standard rate tier. APY if dividends are not withdrawn during the term.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: $1,000 minimum opening deposit ($0 min daily balance to avoid fee). Automatically renews at maturity for the same term. Early withdrawal penalties apply. Interest compounded at maturity if 1 year or less; compounded annually if greater than 1 year. Rates effective as of 10/16/2026.

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: $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: No monthly fee. Withdraw your money at any time and pay no penalties.

Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.

Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

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

Offer: Term: 3 to 5 months.

Requirements

Product: Must qualify for US Eagle membership, including $5 share deposit. Auto-renews with a 7-day grace period. Penalty for early principal withdrawal.

Offer: Penalty applies for early withdrawal. MemPerx max benefit APY 2.91%.

Requirements

Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.

Offer: 120 Days term.

Requirements

Product: Funding and additions through direct deposit or scheduled ACH deposits.

Offer: Funding & additions through direct deposit or scheduled ACH deposits.