Best CD rates and certificates

Requirements

Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.

Offer: Monthly interest compounding. Minimum opening deposit $2,500.

Requirements

Product: Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty. Loyalty Pays Premium Certificate Rate requires an active consumer checking account and active debit card with at least one debit card transaction in the current month.

Offer: Loyalty Pays Premium Certificate Rate: requires an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month.

Requirements

Product: Interest compounded monthly. Early withdrawal penalties may be imposed. $500 minimum to open. Funding for accounts opened online is limited to a maximum of $100,000. Online account opening available for residents of ME, VT, NH, MA, CT, and RI.

Offer: Special CD offer. May not be combined with Prestige checking preferred rate. Not eligible for partial withdrawals below the minimum qualifying balance. Special can end at any time.

Requirements

Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.

Offer: Dividends compounded and credited monthly.

Requirements

Product: Penalty may be imposed for early withdrawal. Withdrawals or fees may reduce earnings. Other rates and terms may be available.

Offer: No limit to the number of 7, 9, or 11 month certificates so long as the aggregate balance for all certificates in each 7, 9, or 11 month term does not exceed $200,000 per primary member. No early withdrawal penalty. No incoming wire fees for new certificate. Minimum $1,000.00 required to open and earn stated APY.

Requirements

Product: Available to consumers only. Requires a Ledyard Bank consumer checking account to open and earn stated APYs. Penalty may apply for early withdrawal. Fees could reduce earnings.

Offer: Requires a $1,000 minimum deposit and a Ledyard Bank consumer checking account to open and earn stated APY.

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: Only available for funds not currently on deposit at Primary Bank. Minimum deposit to open is $1,000. Automatically renews into a 12-month CD at the interest rate in effect at the time of renewal unless withdrawn during the grace period.

Offer: New Money Only. Minimum deposit to open is $1,000. The CD will automatically renew into a 12 month CD at the interest rate in effect at the time of renewal unless the funds are withdrawn during the grace period.

Requirements

Product: A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Monthly service fee is $0.

Offer: Special rate. Valid for new money only; transfers from existing Camden National Bank accounts are not eligible. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the CD Special account is opened. For individuals only. Available for new accounts opened on or after 3/4/2026. Early withdrawal penalty will apply. You must maintain the minimum balance each day to receive disclosed APY.

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: Interest compounding monthly (for CD terms in excess of six months). Interest rate guaranteed for term of investment. Automatic renewal option at maturity. Balances insured by the FDIC up to the maximum allowed by law. Penalties for early withdrawal may apply. $500 Minimum Balance Required. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.

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

Offer: Minimum deposit to open is $1,000.

Requirements

Product: Minimum balance is $500.00. Eligible for additional deposits and a one-time rate adjustment upon request. Maximum rate adjustment is 2% above the opening rate to match the dividend rate and APY then offered by the credit union for this account type; additional contributions may be made at any time; $500,000 maximum principal balance per certificate; one certificate per member; no penalty will be imposed for withdrawal to finance the purchase of primary residence or to finance higher education of owner or dependent to accredited college or university.

Offer: Minimum balance is $500.00. Eligible for additional deposits and a one-time rate adjustment upon request. Maximum rate adjustment is 2% above the opening rate to match the dividend rate and APY then offered by the credit union for this account type; additional contributions may be made at any time; $500,000 maximum principal balance per certificate; one certificate per member; no penalty will be imposed for withdrawal to finance the purchase of primary residence or to finance higher education of owner or dependent to accredited college or university.