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: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.

Requirements

Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Limited-time offer. Online certificate opening is limited to a $5,000 deposit; open in-center for greater deposits. Renews to a standard 18-month certificate at prevailing rate upon maturity. Early withdrawal penalty applies.

Offer: Online certificate opening limited to $5,000 deposit; greater deposits must be opened in-center. Renews to standard 18-month certificate.

Requirements

Product: Certificates of deposit accounts carry a substantial penalty for early withdrawal. All rates are subject to change.

Offer: Early withdrawal penalty applies.

Requirements

Product: Minimum opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.

Offer: Penalty for early withdrawal.

Requirements

Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.

Offer: Requires $10,000 minimum balance in new money to the bank.

Requirements

Product: Limited-time offer celebrating QNB Bank's 149th Founders' Day Anniversary. Excludes IRA, trust, estate, and municipal accounts. Penalty fees may apply for early withdrawal.

Offer: Standard deposit account opening; $100 minimum for QuiNBy's CDs. At maturity, CDs automatically renew to a non-promotional 12-month term at prevailing APY.

Requirements

Product: Minimum daily balance of $500 to earn APY. $500 minimum to open. Automatically renewable. Early withdrawal penalty may apply and reduce earnings. Interest compounded daily.

Offer: Promotional Rates apply only to newly-opened Promotional Certificates of Deposit. For rollover CDs, refer to non-promotional rates.

Requirements

Product: Limited time offer. Customers must own a personal QNB checking account in good standing at the time of CD account opening. Excludes IRA, business, trust, and municipal accounts. Penalty fees may apply for early withdrawal.

Offer: Requires a personal QNB checking account in good standing ($100 minimum deposit for QuiNBy's CDs). No minimum balance requirement. Automatically renews to non-promotional 13-month term at prevailing APY.

Requirements

Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.

Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.

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: Limited time offer for individuals without a personal QNB checking account. Excludes IRA, business, trust, and municipal accounts. Penalty fees may apply for early withdrawal.

Offer: QNB checking account not required ($100 minimum deposit for QuiNBy's CDs). No minimum balance requirement. Automatically renews to non-promotional 13-month term at prevailing APY.

Requirements

Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.

Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.