Best CD rates and certificates

Requirements

Product: Limited time offer. Membership Required. Certificate bonus is only available on new certificates. Advertised rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. Penalty may apply for early withdrawal. At maturity the 5-month certificate term and 14-month certificate term will renew at a 12-month term at then current rate.

Offer: Advertised APY as high as 4.45% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; standard APY is 4.20% on balances $500.00 - $49,999.99.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: Automatic renewal at maturity. Compound interest paid quarterly to CD account or transferred to another bank account. Early withdrawal penalty may apply.

Offer: 23-month special certificate of deposit. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Rates are effective for a limited time.

Requirements

Product: Automatic renewal at maturity.

Offer: CD Special; subject to change.

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: Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100). Rate remains the same throughout the term. Automatically renews unless different option selected.

Offer: Explorer's Club members have a minimum of $100.

Requirements

Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.

Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.

Requirements

Product: Membership required. Insured by NCUA. Flexibility to add deposits throughout the term in amounts of $25 or more anytime up to maximum amount of $250,000 per CD. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100).

Offer: Add-on in amounts of $25 or more anytime. Maximum amount per CD is $250,000.

Requirements

Product: Membership required. Certificate bonus is only available on new certificates. Advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they earn standard APY (rate minus 0.25% APY). Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate.

Offer: Advertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75%.