Best CD rates and certificates

Requirements

Product: Effective as of October 16, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.

Offer: Fixed Rate - Special. Minimum balance to open $500.

Requirements

Product: Rates are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.

Offer: The minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date.

Requirements

Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).

Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.

Requirements

Product: Penalty for early withdrawal. Terms from 30 days to 7 years. Minimum deposit for CDs may vary based on CD product.

Offer: 18 Month CD Special with Active Account. Customer must have a checking or savings account that they actively use (is not dormant) to qualify for this product. Early withdrawal is subject to penalty.

Requirements

Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: Fixed dividend rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA. Withdrawals of principal are subject to early withdrawal penalties.

Offer: Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required.

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: 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: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.

Offer: Compounded monthly. Penalty for early withdrawal.

Requirements

Product: Must be 18 years of age or older. Must be a Beginnings Credit Union member with accounts in good standing. Business and Trust accounts are not eligible. Limited to one Lucky Savers account in NY State. Can make deposits into Lucky Savers Certificate at any time. The APY is fixed for the initial term; at renewal, the APY is variable and may change. Penalty imposed for early withdrawal. Compounded monthly. $0 monthly service fee. NCUA insured.

Offer: Fixed APY for initial 12-month term; variable at renewal. Compounded monthly. Early withdrawal penalty applies. Every $25 deposit earns a prize entry (up to 10 entries per month).

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.

Requirements

Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.

Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.