Best CD rates and certificates

Requirements

Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.

Offer: Rewards APY tier. Requires new money.

Requirements

Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.

Offer: Compounded and paid quarterly. Early withdrawal penalty: 180 days interest penalty. Rates variable and subject to change.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.

Requirements

Product: New money only. Limited time offer. CDs over $250,000 will be reviewed on an individual basis. Early withdrawal penalty may apply.

Offer: New money only. Limited time offer. Interest is paid out quarterly. CDs over $250,000 reviewed on an individual basis.

Requirements

Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.

Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.

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

Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.

Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.

Requirements

Product: No monthly or service fees. A penalty may be imposed for early withdrawal.

Offer: Includes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 12-month term at maturity unless otherwise directed.

Requirements

Offer: New Money Special: Minimum balance of $2,500 needed to open with a minimum of 50% new funds not on deposit for prior 90 days with Highland Bank needed to obtain APY. Compounding and crediting at maturity.

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: 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.