Best CD rates and certificates

Requirements

Product: For new money only (funds must not currently be deposited with CommonWealth). Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Special Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.

Offer: For new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew. Early withdrawal penalty is 90 days of interest.

Requirements

Product: Limited time offer valid from 08/17/2026 through 09/30/2026. Excludes IRA and ESA certificates. Automatically renews at maturity to the 12-month certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Early withdrawal penalty applies. Must be a member of Mirastar Federal Credit Union.

Offer: Valid from 08/17/2026 through 09/30/2026. Minimum opening deposit of $500. Excludes IRA and ESA certificates. Early withdrawal penalty applies. Renews to 12-month certificate fixed rate at maturity.

Requirements

Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.

Requirements

Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.

Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.

Requirements

Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Early withdrawal penalties apply.

Requirements

Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of the dividend period. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term.

Offer: Variable rate. Can add deposits of any amount anytime up to $1,000,000.

Requirements

Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Rate can be increased one time during certificate term to the current Bump-Up Certificate rate with that same term. Early withdrawal penalties apply.

Offer: One bump-up allowed during term to current rate.

Requirements

Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Limited time offer. Dividend rates are fixed for the term of the certificate and not subject to tiered rates. Deposits cannot be added once opened. Institutional deposits are not eligible. Renewals at maturity to the same term at the fixed rate in effect. Early withdrawal penalty applies.

Offer: Limited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible.

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: For new money only (funds must not currently be deposited with CommonWealth). Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Special Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.

Offer: For new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew. Early withdrawal penalty is 90 days of interest.

Requirements

Product: Requires corresponding Fremont Bank Checking account open and in good standing at the time of account opening. Initial Deposit must be from a Financial Institution other than Fremont Bank; new money. If opening in combination with funds already on deposit at Fremont Bank, $50,000 or more in new money is required. Checking account may be opened concurrently with Promotional CD account. Limit one promotional account per household. Substantial penalty for early withdrawal. Unless notified, at maturity Promotional CD accounts automatically renew into standard CD accounts (4-Month into 3-Month, 7-Month into 6-Month, 10-Month into 9-Month, 11-Month and 13-Month into 12-Month).

Offer: Automatically renews into a standard 9-Month CD.

Requirements

Product: Dividends compounded and credited monthly and at maturity. Fixed rates. Premature withdrawal penalties apply (6-month term: 90 days' dividends; 1-year and 2-year terms: 180 days' dividends). Automatic renewal with a 10-calendar-day grace period. Additional deposits not allowed. Minimum withdrawal amount $1,000.

Offer: Fixed rate for 2-year term; early withdrawal penalty is 180 days' dividends

Requirements

Product: Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.

Offer: Deposit and maintain minimum $1,000 new-to-Tech CU money.

Requirements

Product: Certificate accounts are subject to membership eligibility, terms, and fees. Early withdrawal penalty applies. Minimum opening balance to receive APY is $500. Automatically renews at maturity to existing term and certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Earnings paid quarterly.

Offer: Fixed rate. Early withdrawal penalty applies. Automatic renewal at maturity.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.