Best CD rates and certificates

Requirements

Product: Lock in savings with Certificate of Deposit Special. Pick term 7 - 13 Month with $10,000 minimum balance.

Offer: $10,000 minimum balance. Pick term 7 - 13 Month. Note: Table text displays 405.00% APY due to formatting/misprint, corresponding to 4.05% APY.

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: 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 Partial withdrawals are not permitted; full balance may be withdrawn prior to maturity without an early withdrawal penalty, which will result in the account being closed.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: Rates applicable for the initial term only and will renew at next lower non-special standard term. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. Active checking account with recurring deposits and or debit activity required to obtain relationship pricing.

Offer: Relationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term.

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: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for early withdrawal.

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: Account automatically renews upon maturity with a 10 business day grace period. No deposits permitted after account is opened. Penalty for early withdrawal may apply (including loss of principal). Interest compounded and credited quarterly.

Offer: Early withdrawal penalty: 3 months interest.

Requirements

Product: When depositing to certain Share Certificates, members have the option of changing the rate once on that certificate for its remaining term at the rate currently being offered by AIM Credit Union. Regular Share Certificates require a $1,000 minimum deposit. 3-11 month products paid monthly, others paid quarterly.

Offer: Dividends paid quarterly.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

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: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for withdrawal of funds before maturity.