Best CD rates and certificates

Requirements

Product: $500 minimum investment ($100 for youth accounts, $50 with automatic deposit). Add on anytime without resetting term or rate. Add-on minimum is $500 in person/phone ($100 for youth); no minimum for add-ons via online banking, direct deposit, or automatic transfer. Penalty for early withdrawal.

Offer: $500 minimum opening deposit ($50 with automatic deposit; $100 for youth accounts). Add funds anytime without extending term.

Requirements

Product: Dividends paid quarterly, 90 days dividend penalty for early withdrawal.

Offer: Dividends paid quarterly, 90 days dividend penalty 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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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: Eligible for one rate bump to the 24-month rate during the term. Minimum $2,500 to open. Dividends paid monthly. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.

Offer: Eligible for one rate bump to the 24-month certificate rate during the term.

Requirements

Product: Interest on regular certificates of deposit with maturities of one year or longer is compounded semi-annually. APY on certificates under one year assumes certificates are renewed through one year. Amount deposited initially remains on deposit until maturity. Penalties apply for early withdrawals; fees may reduce earnings. CDs over $500,000 require prior approval from President, SVP - Retail Banking, or CFO.

Offer: Term: 5.00+ Years.

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

Product: Additions may be made at any time in increments of $50 or more. Rate may change after a CD is opened. Penalties apply for early withdrawals; fees may reduce earnings.

Offer: Additions in increments of $50 or more.

Requirements

Product: Special one-year certificate. Build up balance with automatic transfers from other Mid American accounts timed to payday. Requires a $10.00 minimum deposit transferred into the certificate at least monthly. Transfers may occur weekly, bi-weekly, semi-monthly or monthly and must come from a non-tax favored savings or checking account. Early withdrawal penalty may apply.

Offer: Minimum opening deposit: $100. Requires $10.00 minimum deposit transferred at least monthly from a non-tax favored savings or checking account.

Requirements

Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.

Offer: Interest cannot remain on deposit; payout of interest is mandatory.

Requirements

Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.

Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.

Requirements

Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.

Offer: Term: 6-11 Months. Balance tier: Less than $10,000.