Best CD rates and certificates

Requirements

Product: Minimum deposit $500. Limited-time bonus certificate rates celebrating 70 years; valid for funds currently held at Apple FCU and new money transferred from another institution. Early withdrawal penalties apply (over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends). 10-day renewal grace period.

Offer: Automatically renews as a 60-month Certificate at maturity unless notified otherwise.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Low minimum deposit of $500.00 for CDs of 18 months or shorter, $1,000.00 for 24-60 month CDs. Terms range from 91 days to 60 months. Penalty for early withdrawal. Interest may be compounded, transferred to another account, or sent by check.

Offer: Compounded daily. Early withdrawal penalty of 90 days. Three withdrawals per year with penalty.

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Limited-time special. Minimum deposit of $1,000 required. Additional 0.25% rate increase (earning 4.06% APY) available when paired with a qualifying F&M Bank primary checking account (Money Market Accounts do not qualify). Early withdrawal penalties may apply.

Offer: Requires pairing with a qualifying F&M Bank primary checking account. Money Market Accounts do not qualify.

Requirements

Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.

Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.

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

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

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: 3 Month to 60 Month Term CD's Available. Substantial penalty on early withdrawal – Fees May Reduce Earnings. Call for all other terms/rates.

Offer: Quarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings.

Requirements

Product: Share Certificates of Deposit are compounded and posted quarterly. Early withdrawal penalties may be assessed. APY assumes interest will remain on deposit.

Requirements

Product: Limited-time offer. Open online.

Offer: Limited-time offer. Open online.

Requirements

Product: Standard CDs have a $500 minimum opening deposit. Specials require a $5,000 minimum deposit, relationship eligibility, and are available to current City customers only.

Offer: Relationship special. Available to current City customers only with one of: 1 year+ checking or savings account, a money market account, a new checking with direct deposit, or a loan.

Requirements

Product: Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.