Best CD rates and certificates

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: Must be a primary or joint owner on Relationship Rewards Checking Account. Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies.

Offer: Primary or Joint Owner on Relationship Rewards Checking

Requirements

Product: Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.

Requirements

Product: Workers Federal Credit Union membership required ($5 minimum balance). Automatically renews at maturity into a 6-month regular term certificate or IRA unless written notice is received 30 days prior to maturity or during grace period. Simple interest paid at maturity. Substantial penalty for early withdrawal. Additional deposits cannot be made during term.

Offer: Simple interest paid at maturity. Automatically renews at maturity into a 6-month regular term certificate or IRA.

Requirements

Product: The APY assumes interest will remain on deposit until maturity; a withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. The daily compounding method is used on all certificates of deposit except on 6 month certificates of deposit, which are compounded monthly. Fees or other conditions could reduce the earning on the accounts shown above. Rates are subject to change without prior notice.

Offer: Compounded monthly. Penalty may be imposed for early withdrawal.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Open with a minimum balance of $1,000. Available to members.

Offer: LIMITED TIME ONLY

Requirements

Product: Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.

Offer: Tier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly.

Requirements

Product: Rates guaranteed for length of term. Penalty for early withdrawal. CDs that auto-renew with balances less than $500.00 will not earn interest. Available terms range from 6 months to 5 years.

Offer: Assumes principal and interest remain on deposit for term length.

Requirements

Product: Minimum opening balance of $100 to open and earn APY. Principal balance limit of $10,000 max per certificate. Only one Boost Certificate allowed per member. Additional deposits can be made in increments of $100 or more up to $10,000 total. If member is 17 years of age or younger, a parent or guardian (credit union member) must be a joint account owner.

Offer: Additional deposits allowed in increments of $100 or more up to $10,000 maximum principal balance.

Requirements

Product: Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies. Rate effective September 18, 2026 unless noted otherwise.

Offer: Not available for IRAs or municipalities. Additional deposits of $1,000 or more in new money permitted throughout term, ceasing upon renewal.

Requirements

Product: Online account opening disclosure for 10 Month Add-On Certificate of Deposit Special. Must maintain minimum daily balance of $500.00 to obtain APY. Additional deposits of $1,000 or more in new money allowed throughout term, ceasing upon renewal/maturity. Early withdrawal penalty of 3 months' interest. Automatically renews into a 9-month certificate.

Offer: Additional deposits must be made with $1,000 or more in new money. Ceases upon renewal. Automatically renews into 9-month certificate.

Requirements

Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

Requirements

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

Offer: Requires linked qualifying Chase checking account.