Best CD rates and certificates

Requirements

Product: All certificates can be added onto, $200 minimum add on. Penalty for early withdrawal may apply. Fees may reduce earnings.

Offer: 18 month term. All certificates can be added onto, $200 minimum add on.

Requirements

Product: $500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.

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: Fixed interest rate. Interest is compounded and paid at maturity. Add-on feature ($200 minimum). Penalty for early withdrawal may apply.

Offer: 11 month term. Add-on feature ($200 minimum add on).

Requirements

Product: New money is required. $500 minimum opening deposit. Early withdrawal penalty applies. Offer not available with any other rate increases or promotional rates. Membership qualifications may apply.

Offer: New money required.

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: $500 Minimum Deposit to Open. Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Interest will be compounded and credited monthly.

Offer: Assumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly.

Requirements

Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.

Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.

Requirements

Product: Penalty required for early withdrawal. Compounded/paid monthly. An active Rewards Checking account qualifies for a 0.25% APY rate increase.

Offer: Requires active Rewards Checking for .25% rate increase.

Requirements

Product: Penalty required for early withdrawal. Compounded/paid monthly.

Offer: Dividends compounded/paid monthly.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.

Requirements

Offer: Step period 1 (months 1-7)