Best CD rates and certificates

Requirements

Product: Offered for a limited time on short-term CDs. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Interest is compounded quarterly. Minimum opening deposit/balance is $1,000. Early withdrawal penalty may apply.

Offer: Short-term CD special.

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: Membership required. Early withdrawal penalties may apply. Total subsequent deposits on 1-year add-on limited to $25,000. 5-month Liquid allows penalty-free withdrawals and deposits with no maximum balance.

Offer: Dividend paid at maturity. At maturity, funds convert to a non-promotional 1-year Share Certificate.

Requirements

Product: Minimum $1,000 to open. New money required; funds deposited may not be from an existing Financial Partners Credit Union account. Up to two penalty-free withdrawals allowed during the 9-month term; minimum balance of $1,000 must be maintained in the account at all times. Additional early withdrawals or early closure will incur a penalty.

Offer: New money only. Up to two penalty-free withdrawals allowed during term while maintaining a minimum balance of $1,000 at all times. Additional early withdrawals or early closure incur penalty.

Requirements

Product: Must meet membership and account criteria. Maximum combined Promo Certificate deposits of $1,000,000 per household. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity; withdrawals reduce earnings. Penalties apply for early withdrawals. Automatically renews into standard certificate closest like term at prevailing dividend rate unless instructed otherwise.

Offer: 11-Month Flex: Unlimited deposits allowed during certificate term up to maximum deposit amount, earning dividends from day of deposit.

Requirements

Product: All new money required for promotional certificate terms. Minimum opening balance of $500 and maximum deposit of $500,000. Upon maturity, rolls into a non-promotional certificate at the prevailing APY: 4-month rolls to 6-month, 8-month and 11-month roll to 12-month, and 15-month rolls to 18-month. Penalty may be imposed for early withdrawal.

Offer: Requires all new money. Automatically rolls into a non-promotional 12-month Certificate upon maturity at prevailing APY.

Requirements

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

Requirements

Product: Fixed rates and guaranteed returns with terms ranging from 3 to 60 months. Minimum deposit of $1,000. Penalty for early withdrawal/early closure.

Offer: Penalty for early withdrawal closure.

Requirements

Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.

Requirements

Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.

Offer: Term is more than 3 months to 6 months (also listed as Up to 6 Months on personal CD page).

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: Membership required. Minimum opening deposit starts at $500. Dividends paid quarterly and remain on deposit until maturity. Penalty may be imposed for early withdrawal.

Requirements

Product: Fixed interest rate for the term. Interest compounded daily. Variable terms from 3 to 60 months. Minors (age 12-17) eligible with parent/guardian (age 18+). 10-day grace period for penalty-free withdrawals upon automatic renewal.

Offer: CD Special. Earn up to 3.56% APY with a Banner's Best Checking account (current owners earn 0.25% over posted rates; account must be active at renewal). Interest compounds daily and is credited at maturity. On the first maturity date after promotion ends, changes to a standard 6-month fixed rate CD.

Requirements

Product: Penalties may apply for early withdrawals. Higher minimum balance requirement in exchange for higher annual yield.

Offer: Penalties may apply for early withdrawals.