Best CD rates and certificates

Requirements

Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.

Requirements

Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.

Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.

Requirements

Offer: As high as 3.40% Annual Percentage Yield. Rates subject to change without notice.

Requirements

Product: Maximum deposit of $1M per individual. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice.

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: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

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: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.

Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.

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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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: $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.

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

Offer: Fixed rate. Interest compounded and credited quarterly. Additional deposits not allowed. Early withdrawal penalty: 180 days interest. Automatic renewal with 10-day grace period.

Requirements

Product: Medical Savings Account certificate. No monthly service charges. Dividends are compounded and credited quarterly. Rates current as of October 5, 2026. A penalty may be imposed for withdrawals before maturity.

Offer: Promotional rate. 60 Month term.