Best CD rates and certificates

Requirements

Product: The minimum balance to open an account and obtain the APY is $1000. A penalty may be imposed for early withdrawal.

Offer: 60 Month Certificate of Deposit. APY assumes funds remain on deposit a full year at the listed rate or until maturity, whichever is greater. Penalty for early withdrawal.

Requirements

Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.

Offer: Compounding option. Dividend rate is 4.15%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.

Requirements

Product: Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.

Offer: Dividends compounded quarterly. Early withdrawal penalty applies.

Requirements

Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.

Offer: Compounding option. Dividend rate is 4.05%. Rate change option available after 90 days and every 365 days thereafter.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: Primary share account required. Interest compounded monthly. One-time, complimentary bump in interest privilege permitted for remaining term. Maintenance or activity fees could reduce earnings. Early withdrawal penalties may apply.

Requirements

Product: Interest paid monthly or at maturity. Penalties for early withdrawal: maturity of 12 months or less is 1 month of interest; maturity of greater than 12 months is 3 months of interest.

Offer: Term: 91 Days.

Requirements

Product: Special offer. Only one 12 month no penalty early withdraw certificate allowed per member during a 12-month period from date of closure. All funds must be deposited at account opening; no additional deposits allowed during term. At maturity, funds automatically transfer to primary share account. Listed under Special Offers in rate table.

Offer: Compounding option. Dividend rate is 2.75%. Ability to withdraw funds without penalty. Dividends paid quarterly. All funds deposited at opening. Automatic transfer to primary share account at maturity.