Best CD rates and certificates

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.

Offer: APY as high as with loyalty benefits (rates may increase .2%).

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: Early withdrawal penalty applies: 3 months and 6 months - all dividends accrued; 1 to 2.5 years - 6 months of dividends accrued; 3-5 years - 9 months of dividends accrued. Available with a compounding or non-compounding option.

Offer: Term is 365 Days.

Requirements

Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.

Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).

Requirements

Product: Penalty may apply for early withdrawal. Insured up to $250,000 by NCUA.

Requirements

Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.

Offer: Requires an Independent Bank checking account.

Requirements

Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.

Offer: Requires an Independent Bank checking account.

Requirements

Product: Federally insured by NCUA up to at least $250,000. Penalties may apply for early withdrawals.

Offer: Dividends paid at maturity / compounded annually and at maturity.

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: Rates guaranteed for the term of the Certificate. Dividends compounded and paid monthly. Early withdrawal penalty: for CDs with maturities of 9 months or less, penalty is 90 days of dividends/interest; for CDs with maturity of 12 months or greater, other than 13-Month Flexible CD, penalty is 180 days of dividends/interest. For 13-Month Flexible CD, one withdrawal up to 25% of the principal balance can be made without penalty; subsequent withdrawals penalized 180 days of interest.

Offer: 13 Month Flexible CD: one withdrawal up to 25% of the principal balance can be made without penalty; subsequent withdrawals penalized 180 days of interest.

Requirements

Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.

Requirements

Product: Requirements: Savings Account, Minimum Deposit of $500. No Monthly Fee. 1x bump feature allows members with long-term CDs to benefit in a rising rate market. Product features a Step Up feature where you can adjust your interest rate if it goes up.

Offer: Tier I. Dividends Paid annually.

Requirements

Product: Early withdrawal of principal prior to maturity date results in 90 days interest deducted from account balance. Minimum deposit to open is $500.