Best CD rates and certificates

Requirements

Product: Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.

Offer: Optional renewal - 5th year bonus rate of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026.

Requirements

Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.

Requirements

Product: Certificate is subject to penalty for early withdrawal (terms of 12 months or less will lose 90 days of dividends; terms of 13 months or more will lose 180 days of dividends). Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.

Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).

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: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.

Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.

Requirements

Product: Must be opened with new money, defined as new to Byline. For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.

Offer: Must be opened with new money, defined as new to Byline. Interest compounded and paid quarterly. No minimum balance required to earn APY.

Requirements

Product: Must maintain the minimum average daily balance of the account to obtain the disclosed APY. Yields declared and paid monthly. Open with as little as $2,500. Special offers for new money. Early withdrawal may require closing the certificate and may incur a penalty.

Offer: New money only. Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY.

Requirements

Product: Must be opened with new money, defined as new to Byline. For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.

Offer: Must be opened with new money, defined as new to Byline. Interest compounded and paid quarterly. No minimum balance required to earn APY.

Requirements

Product: Limited-time promotional CD offer. Minimum investment $1,000. IRAs and commercial accounts are not eligible. Interest will not be compounded and will be posted at maturity. Automatically renews at maturity into a 6-month CD at then current rate. No set-up or maintenance fee. Early withdrawal penalty applies.

Offer: Limited-time offer. Automatically renews at maturity into a 6-month CD at then current rate. IRAs and commercial accounts are not eligible. Early withdrawal penalty applies. Interest will not be compounded; posted at maturity.

Requirements

Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.

Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.

Requirements

Product: New money only (money not currently held at any Wintrust Financial Corporation location). Assumes funds remain on deposit until maturity. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard interest rate and APY in effect on the maturity date.

Offer: New money only. Minimum daily balance of $0.01 required to obtain APY.

Requirements

Product: New money only (money not currently held at any Wintrust Financial Corporation location). APY assumes funds remain on deposit until maturity. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard rate and APY in effect on maturity date.

Offer: Requires minimum daily balance of $0.01 to obtain APY. Requires $1,000 to open with new money only. APY assumes funds remain on deposit until maturity. Early withdrawal penalties apply.

Requirements

Product: Amount required to open varies by CD. Maximum $250,000.00. Funds must remain on deposit throughout the specified period; funds may not be added once opened. Interest compounded and credited quarterly. Early withdrawal subject to penalty.

Offer: 13-month CD. Rolls over into a 12-month term at maturity at the rate in effect at that time.

Requirements

Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.

Offer: Early withdrawal penalty is 365 days' worth of interest.

Requirements

Product: For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.

Offer: Interest compounded and paid quarterly. No minimum balance required to earn APY.