Best CD rates and certificates

Requirements

Product: Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity and withdrawals reduce earnings.

Requirements

Product: Must meet membership eligibility requirements. Requires $1,000.00 to open and earn APY. Penalty may be assessed for early withdrawal. Rates for renewing Certificates may differ from rates available for new-money deposits; higher promotional rates may be available for new funds from outside the credit union.

Offer: APY assumes dividends remain in account until maturity. Penalty may be assessed for early withdrawal.

Requirements

Product: Public funds are not eligible. Minimum deposit of $2,500 to open. Daily balance method applies. If term is greater than 6 months, interest compounds and credits quarterly; for 6 months or less, interest compounds and credits at maturity. Early withdrawal penalty applies (equal to 365 days of interest). Renews automatically for a term of 12 months at a new rate.

Offer: Public funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies.

Requirements

Product: Penalty for early withdrawal. 6-month CDs: semi-annual compounding. 12–60 month CDs: annual compounding.

Offer: Additions Permitted. Annual compounding. Penalty for early withdrawal.

Requirements

Product: Must meet membership eligibility requirements. No minimum to open and no minimum balance required to earn APY. Additional deposits permitted throughout the term of any dollar amount. Partial withdrawals are not permitted; full balance may be withdrawn prior to maturity without an early withdrawal penalty, which will result in the account being closed. Not available as an IRA CD.

Offer: 13 Month Liquid CD is not available as an IRA CD. Additional deposits permitted. Early withdrawal of entire balance permitted without penalty, closing the account; partial withdrawals not permitted.

Requirements

Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

Requirements

Product: Allows additional deposits during the term. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.

Offer: Tier 1

Requirements

Product: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Institutional/business funds not eligible.

Offer: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Minimum of $500 required to earn 3.15% APY. Institutional/business funds not eligible.

Requirements

Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

Requirements

Product: Rates are subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. Member may elect interest to be added back to the certificate, deposited to an account or check to be mailed.

Requirements

Product: Early withdrawal penalties apply.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.

Requirements

Product: Available in First Bank service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa. Substantial penalty for early withdrawal.