Best CD rates and certificates

Requirements

Product: Requires a savings account to open. Interest is posted monthly to the account of choice.

Requirements

Product: Multiple terms ranging from 6 to 60 months. Membership subject to eligibility. Federally insured by NCUA.

Offer: Dividends paid quarterly.

Requirements

Product: Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.

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: Minimum opening balance is $1,000 for terms less than 45 days (31-day term) and $500 for terms greater than 45 days. Compounding frequency is quarterly for 3-month to 120-month terms and none for the 31-day term. Early withdrawal penalties apply.

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: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.

Requirements

Product: No minimum initial deposit required. Additional deposits may be made at any time up until maturity through direct deposit, online banking, phone, or in a branch. Early withdrawal penalty is 180 days of dividends. Automatically renews at maturity.

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: Rates are subject to change and are dependent upon credit rating. Minimum deposit is $500. The dividend is paid at maturity. Early withdrawal penalties apply.

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: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.