Best CD rates and certificates

Requirements

Product: Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.

Requirements

Product: Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.

Offer: Early withdrawal subject to 90 day dividends penalty.

Requirements

Product: $500 minimum balance to open the account. Substantial penalty for early withdrawal.

Offer: Available to customers with mutual checking or mutual interest checking accounts

Requirements

Product: Requires a $500 minimum daily balance to earn APY and $500 minimum opening deposit. Interest compounded daily and credited monthly. Penalties may be imposed for early withdrawal. Benefit Plus checking account holders receive relationship rate and APY.

Offer: For Benefit Plus customers. Renews automatically into 36 Month CDs.

Requirements

Product: Certificates of Deposit are available for personal banking and business banking customers. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us .

Offer: 12 Month Special

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: Penalties may apply for early withdrawal. Requires $500 minimum opening deposit. Dividends can be withdrawn when and how desired. Automatically rolls over at maturity.

Offer: Special promotional rate.

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: 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: Membership and eligibility required. $2,000 minimum deposit. Fixed, guaranteed rate locked for term of certificate. Early withdrawal penalty applies.

Offer: Fixed dividend rate 3.639%

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: Deposit any amount at any time. Automatically renews every 12 months. Pair with Rise High-Yield Checking or Breeze Rewards Banking to maximize savings. Early withdrawal subject to penalty. Membership eligibility applies.

Offer: Early withdrawal subject to 180 day dividends penalty. Automatically renews every 12 months.