Best CD rates and certificates

Requirements

Product: Renew automatically at maturity. Minimum balance $1,000. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 9/30/26.

Offer: Compounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity.

Requirements

Product: Penalty for early withdrawal. Terms from 30 days to 7 years. Minimum deposit for CDs may vary based on CD product.

Offer: 18 Month CD Special with Active Account. Customer must have a checking or savings account that they actively use (is not dormant) to qualify for this product. Early withdrawal is subject to penalty.

Requirements

Product: Available to Platinum Plus Members.

Offer: New Money

Requirements

Offer: New Money

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

Requirements

Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: $500 minimum balance. Dividends and principal assumed to remain on deposit until maturity; early withdrawal subject to penalty. No monthly maintenance fee.

Requirements

Product: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits. Early withdrawal penalty may apply. Limited time offer.

Offer: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits.

Requirements

Product: Fixed dividend rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA. Withdrawals of principal are subject to early withdrawal penalties.

Offer: Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required.

Requirements

Product: Substantial penalties for early withdrawal may apply.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

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: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.