Best CD rates and certificates

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Fixed rate CD. Length of deposit 1 to 9 Months. Additional deposits of $500 or more allowed at any time. Early withdrawal penalty is 30 days interest (waived upon death or legal incompetence of account holder).

Offer: 3-Month CD = 90 calendar days. Must maintain minimum daily balance of $500 to maintain APY (account may be closed if reduced below $500).

Requirements

Product: Fixed rate CD. Length of deposit 1 to 5 years. Additional deposits not allowed. Early withdrawal penalty is 180 days interest (waived upon death or legal incompetence of account holder).

Offer: 1 Year CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100).

Requirements

Product: Minimum deposit of $250 required. Member merits do not apply. For new money only, except deposits of up to $5,000 may be funded with existing Oregon State Credit Union funds when opened in a branch. Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 3.78%. For new money only, except up to $5,000 existing funds when opened in branch. Member merits do not apply.

Requirements

Product: Minimum deposit of $250 required. Member merits do not apply. For new money only (funds not on deposit during promotion period, unless deposited in prior 30 days; cannot be transferred from existing account). Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 3.68%. For new money only. Member merits do not apply. Accurate as of 9/1/2026.

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: Minimum deposit of $250 required. Member merits do not apply. For new money only. Certificate owner may increase the interest rate one time during the term to match the current rate offered on the standard 24-month certificate, not to exceed an increase of 0.50%. Limited time offer. Early withdrawal penalties apply.

Offer: Dividend rate is 3.68%. One-time rate bump up to 0.50% during term to match standard 24-month certificate rate. New money only. Member merits do not apply. Accurate as of 9/1/2026.

Requirements

Product: Minimum opening deposit is $25.00. Requires maintaining at least the par value of one full share ($5.00). Additional deposits allowed for terms up to 18 months.

Offer: Member Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership.

Requirements

Product: Annual percentage yields incorporate a 0.25% rate increase for Premier Member Merits category. Enhanced Member Merits qualify for a 0.15% APY increase, and Essential Member Merits qualify for standard rates. Minimum opening balance is $500 ($250 for Scottie and TLT certificates). Compound daily, paid monthly. Early withdrawal penalties apply.

Offer: Includes 0.25% APY increase for Premier Member Merits. Dividend rate is 3.39%.

Requirements

Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.

Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.

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: Only available through the credit union website for members who do not have an existing account (may be offered to members with pre-existing account in branch or via phone). Not eligible for Member Merits. IRA certificates, TLT Members, and Scottie Members are not eligible. Minimum opening balance is $500.

Offer: Dividend rate is 3.20%. Same rate on any balance over $500.

Requirements

Product: Membership required and subject to approval. Limit one Member Savings account per person. Early withdrawal penalty applies. Subsequent deposits permitted for 3, 6, 12, 18, or 24 month terms ($100 minimum). Minors under 18 have $100 minimum balance requirement.

Offer: With OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date).

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.