Best CD rates and certificates

Requirements

Product: Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Limited-time offer. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: Can only be opened online at www.amalgamatedbank.com. Cannot be opened at an Amalgamated Bank branch. Opening deposits must be new money only (deposits not previously held by the bank). Maximum opening deposit of $249,999.99 if opened online.

Offer: Must be opened online. Opening deposits must be new money only. Maximum opening deposit of $249,999.99 if opened online.

Requirements

Product: Rates fixed for the entire term. Penalty charged for early withdrawal. Funds cannot be deposited into existing accounts until maturity.

Requirements

Product: Deposits allowed at any time. Deposits of at least $25.00 per month by automatic transfer are required. Renews at then current corresponding regular certificate rate when balance is at least $1,000.00 on maturity date.

Offer: Young Investors Option. Deposits of at least $25.00 per month by automatic transfer are required.

Requirements

Product: Deposit of $1,000 or more. Terms range from 6 months to 60 months. Rates reflect a minimum monthly direct deposit of $200; accounts without direct deposit receive a 0.25% reduction.

Offer: Rates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.

Offer: Requires $10,000 minimum balance in new money to the bank.

Requirements

Product: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.

Offer: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.

Requirements

Product: Includes a special penalty-free offer after six days of opening, not available for rollover at maturity. When this Certificate matures, the funds and dividends will automatically be renewed to the next shortest-Term Certificate offered, which may include withdrawal penalties. You can prevent renewal if you mail notice to us at least 30 calendar days before maturity. Minimum deposit to open is $1,000.00.

Offer: Penalty-free withdrawal allowed after six days of opening. Automatically renews at maturity to next shortest-Term Certificate offered unless 30 days notice is given.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Fixed rate. Rates and minimum balance may vary by term. Early withdrawal penalties apply.

Offer: Fixed rate. Any withdrawal(s) from the account during the term will be subject to a penalty of 90 days of interest. Fees could reduce earnings.

Requirements

Product: One EZ Save Certificate per account (limit $25,000). 12-month term; after 12 months you have the opportunity to transfer the balance to another Share Certificate. Additional deposits allowed anytime. Once balance reaches $25,000, must request earned dividends to be automatically transferred out to earn the full APY. Early withdrawal penalty applies excluding dividends.

Offer: Balances under $25,000 earn 4.00% APY. Initial deposit minimum is $50.

Requirements

Product: Rates as of 8/3/26 and subject to change at any time. Rates are fixed for the term. APY reflects dividends compounded and paid into the certificate monthly. Early withdrawal penalties apply.

Requirements

Product: Penalty may be imposed for early withdrawal. Renews as a 13-month CD at the current board rate. Limited time offer.

Offer: Limited time offer. Renews as a 13-month CD at the current board rate. Penalty for early withdrawal may apply.