Best CD rates and certificates

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: Must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00. Early withdrawal penalties and fees may apply.

Offer: Promotional certificate special available for a limited time during promotional period and subject to end without notice.

Requirements

Product: $1,000 minimum to open. Terms range from 3 months to 5 years. Fixed rate guaranteed for the selected term. Penalties apply for early closure or withdrawal.

Requirements

Product: Minimum balance of $1,000 required. Annual Percentage Yield is effective as of September 14, 2026. The Annual Percentage Yields assume interest remains on deposit until maturity. A withdrawal will reduce earnings. All Interest Rates and Annual Percentage Yields are determined by this institution and are not tied to any index. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will begin to accrue on the business date in which the deposit is made. Certificates subject to penalty for early withdrawal. Advertised rates subject to change.

Requirements

Product: No fees to open or maintain a CD. Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months (not applicable to specials or promotions). Early withdrawal penalty may apply.

Requirements

Product: FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.

Offer: At maturity, the 9 month CD will automatically renew as a 12 month CD. Subject to early withdrawal penalty.

Requirements

Product: With Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product. Penalty for early withdrawal from CDs. Interest is compounded daily. Fees could reduce earnings.

Offer: With Relationship Pricing: relationships must have an average balance of at least 1% of CD or a lending product.

Requirements

Product: All dividends are compounded daily. APYs assume principal and dividends remain on deposit for the entire term. Early withdrawal penalty may apply.

Requirements

Product: Early withdrawals are not permitted within the first 6 days after account opening. To withdraw funds with no penalty assessed, the entire amount (principal plus dividends earned) must be withdrawn in one single transaction. IRA and HSA Certificates are not eligible.

Offer: Early withdrawals not permitted within first 6 days after opening; full balance must be withdrawn in a single transaction for no penalty.

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: Minimum deposit of $500. Dividends are paid monthly on the daily certificate balance. Penalties for early withdrawal.