Best CD rates and certificates

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

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: $500 minimum balance. Dividends and principal assumed to remain on deposit until maturity; early withdrawal subject to penalty. No monthly maintenance fee.

Requirements

Product: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits. Early withdrawal penalty may apply. Limited time offer.

Offer: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits.

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: Substantial penalties for early withdrawal may apply.

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: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.

Requirements

Product: All share certificates have a fixed term, ranging from 6 months to 48 months. Benefits include: $500 minimum balance, federally insured, early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed. Membership restrictions apply.

Offer: Early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed.

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: Dividends compounded and credited monthly and at maturity. Early withdrawal penalty may be imposed. Fees could reduce earnings. Special certificates roll over to regular certificate with closest term at maturity. Insured by NCUA up to $250,000.

Offer: At maturity, Special Certificates roll over to a regular Certificate with the closest term.