Best CD rates and certificates

Requirements

Offer: Promotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply.

Requirements

Product: Minimum deposit of $1,000.00. Subject to early withdrawal penalties.

Offer: Special rate. Subject to early withdrawal penalties.

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: Perks Checking Account required. Not eligible for IRAs. Available for individuals only.

Offer: Requires a Perks Checking Account.

Requirements

Product: Minimum balance $1,000 to earn advertised APY. Early withdrawal penalty: 90 days dividends for maturity ≤ 1 year; 180 days dividends for maturity > 1 year.

Requirements

Product: Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies. Rate effective September 18, 2026 unless noted otherwise.

Offer: Not available for IRAs or municipalities. Additional deposits of $1,000 or more in new money permitted throughout term, ceasing upon renewal.

Requirements

Product: Online account opening disclosure for 10 Month Add-On Certificate of Deposit Special. Must maintain minimum daily balance of $500.00 to obtain APY. Additional deposits of $1,000 or more in new money allowed throughout term, ceasing upon renewal/maturity. Early withdrawal penalty of 3 months' interest. Automatically renews into a 9-month certificate.

Offer: Additional deposits must be made with $1,000 or more in new money. Ceases upon renewal. Automatically renews into 9-month certificate.

Requirements

Product: Maximum of $1,000,000.00 is allowed per account. Certificates of Deposit earn a fixed interest rate for the entire term. A penalty may be imposed for withdrawals prior to maturity. Fees may reduce earnings on these accounts.

Requirements

Product: Minimum balance $500. Rate may be adjusted once during the term to the posted rate currently in effect with a maximum increase up to 2.00% above initial rate and maximum dividend rate of 5.00%. If Co-op Points were used at opening, the rate advantage continues upon bump. Penalties for early withdrawal apply (6 months interest).

Offer: With 2,500 Co-op Points

Requirements

Product: A penalty may be imposed for early withdrawal from a Certificate of Deposit account. Withdrawals or fees may reduce earnings on these accounts.

Offer: Minimum balance to earn APY is $2,000.00.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

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: Online account opening disclosure for 14 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty of 6 months' interest. Automatically renews to a 12 Month CD.

Offer: Automatically renews to a 12 Month CD at maturity.

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: Online account opening disclosure for 06 Month Special Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.