Best CD rates and certificates

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: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Canvas Credit Union membership required. Minimum $1,000 to open and $1,000 minimum balance to earn interest. Dividends credited and compounded monthly.

Offer: Limited time offer; promo CD.

Requirements

Product: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. 24-month term share certificate. Deposits range from $1,000 minimum to $5,000,000 maximum. Dividends compounded and credited monthly. Early withdrawal penalty equal to 730 days of dividends. Membership required.

Offer: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. Rates up to 4.25% APY. Dividends compounded and credited monthly. Penalty equal to 730 days of dividends if withdrawn before maturity. Membership required.

Requirements

Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.

Requirements

Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.

Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.

Requirements

Product: Interest earned is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Automatically renews to a fixed rate CD of equivalent term.

Requirements

Product: Available for consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply. Standard term lengths range from 6 months to 60 months, but non-promotional terms require entering a ZIP code to view rates.

Offer: Limited time offer. Consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: This promotion may end at any time and applies to consumer accounts only. This promotion is only available for non-IRA CDs. Dividends compounded and credited quarterly. Early withdrawal penalty of 90 days dividends applies. 10-day grace period upon maturity.

Offer: Fixed term 15 Month. Promotional certificate available for non-IRA CDs only.

Requirements

Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.

Offer: Limited time offer. Accurate as of 9/1/2026.

Requirements

Product: Minimum balance to open of $500. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings. Fixed rate.

Offer: Limited time offer. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings.

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: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.