Best CD rates and certificates

Requirements

Product: Minimum opening deposit is $50.00 unless otherwise noted. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.

Offer: 8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest.

Requirements

Product: Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000.

Requirements

Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.

Offer: Special rate; limited time only, rate subject to change.

Requirements

Product: Requires having or opening a Lake City Bank checking account. Deposits and withdrawals not allowed. Penalty for early withdrawal.

Offer: Requires checking account. Penalty for early withdrawal.

Requirements

Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.

Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.

Requirements

Product: Rates may vary by market. Personal deposits accepted online; visit branch or call for business deposits. Penalty for early withdrawal. Funds must be received within 7 days to receive current rate.

Offer: New money (funds not on deposit with Centier Bank in the last 90 days).

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Make two additional deposits of $1,000 or more anytime without extending maturity date. Raise the interest rate one time during the term to the current 2 Year 2 Option rate. Penalty for early withdrawal except credited interest.

Requirements

Product: Make additional deposits of $100 or more anytime without extending maturity date. Penalty for early withdrawal except credited interest.

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: $500 minimum deposit to open ($1,000 for Special Rates). Subject to early withdrawal penalties. Interest may be compounded or transferred to another deposit account at G.W. Jones Exchange Bank. Interest must be paid or compounded at least annually on Time Deposits with a term greater than one year. Rate may change after account is opened.

Offer: 8 Month Special

Requirements

Product: Make additional deposits of $1,000 or more anytime without extending maturity date. Withdraw $1,000 or more once per calendar month without penalty. Penalty for early withdrawal except credited interest.

Offer: Minimum balance is $1,000.

Requirements

Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.

Offer: Early withdrawal penalty is 90 days' dividends.

Requirements

Product: Must deposit a minimum of $5.00 to join the credit union. For share certificate accounts, dividend rate and APY are fixed for the term. Dividends compounded daily and credited at maturity. Additional deposits not allowed after opening. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalty applies (30 days dividends).

Requirements

Product: Must be an Everwise member ($5 initial Share deposit required). Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.

Offer: Minimum balance required to earn APY is $500. Early withdrawal penalty may apply.