Best CD rates and certificates

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 special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.

Offer: Limited time offer. Accurate as of 9/1/2026.

Requirements

Offer: For new money deposits. APYs assume dividends are paid at maturity; if disbursed, APY equals the rate. Early withdrawal penalties apply.

Requirements

Product: $5,000 minimum balance. Rates do not apply to public funds. Early withdrawal penalties may apply.

Requirements

Product: Minimum opening deposit of $25. Allows unlimited additional deposits during the term. Early withdrawal penalty applies (30 days dividends). Automatically renews with a 14 calendar day grace period.

Offer: Dividends compounded/credited quarterly.

Requirements

Product: No monthly fees. FDIC insured up to $250,000. Account subject to early withdrawal penalties if closed prior to maturity. Penalty equals: 7 days interest if withdrawal within first 6 days; 90 days interest if CD term <= 1 year; 180 days interest if CD term <= 2 years; 365 days interest if CD term > 2 years. APY assumes interest remains on deposit until maturity. Additional term lengths (3, 24, 36, 48, 60-months) available by contacting a banker.

Offer: No additional deposits allowed during term, or one deposit between $500 and $50,000 allowed per footnote. Option to exchange interest rate one time during term.

Requirements

Product: FDIC insured up to applicable limits. Automatically renews at maturity for the same term length at the current rate in effect unless action is taken during the 10-day grace period. Early withdrawal penalty applies: 10 days of interest if withdrawn within the first 10 days of opening; 3 months of interest if withdrawn after 10 days.

Offer: Relationship rate. Applicable to initial term only; automatically renews to a 6-month term at maturity. Only accepts new money from external sources outside of Ameriprise Bank, FSB and its affiliates. Requires $50,000 or more in eligible household group balances as of the prior month-end statement and a minimum deposit of $1,000. Promotional rate boost offer available through December 31, 2026.

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: 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: Not for IRAs. $5,000 minimum deposit to open; minimum balance of $2,500 must be maintained. Once during the term, you can increase the APY to the current APY offered on a similar term flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed (not within 6 days of opening). Penalty may be imposed if remaining balance is withdrawn early. FDIC insured with no account fees.

Offer: Interest payment frequency semiannually. $5,000 minimum deposit to open. One penalty-free withdrawal up to 50% allowed. One rate increase option during term.

Requirements

Product: Must be a Latvian Credit Union member with a savings account and a minimum balance of $5. Early withdrawal of principal before maturity may result in a penalty. At maturity, automatically transfers to savings account.

Offer: Limited-time offer. Dividends paid quarterly.

Requirements

Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.

Offer: Rewards APY requires two qualifying relationships.

Requirements

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

Offer: Requires linked qualifying Chase checking account.

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.