Best CD rates and certificates

Requirements

Product: Members can add to their CD at any time while keeping their original rate and term. Penalty for early withdrawal. 7-day grace period after maturity.

Requirements

Product: Rates are subject to change. Applied location: ZIP 64106.

Requirements

Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.

Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.

Requirements

Product: No monthly fee. Withdraw your money at any time and pay no penalties.

Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.

Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: Fixed rate for initial term. After account start, additional deposits not permitted. Early withdrawal penalties apply.

Requirements

Product: Allows up to a 20% withdrawal of the original CD principal balance, less any previously withdrawn funds, one time each year of the term without penalty. Amounts over maximum allowable may be subject to early withdrawal penalties. Interest compounded daily and credited monthly. Minimum opening deposit $500. Membership eligibility applies.

Offer: For balances < $100K. Up to 20% penalty-free withdrawal once per year.

Requirements

Product: APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $100 with DD/PR or $500. Maximum initial deposit $1,000. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.

Offer: 2 Year Builder CD rate.

Requirements

Product: Regular only. APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $500. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.

Offer: 2 Year Flex CD rate tier <100K balance. Allows one rate increase per term.

Requirements

Product: Must be a legal resident of Texas or participating state, 18 years or older, and have a membership in good standing. Automatically renews at the term selected and rate at renewal. Can add additional funds during the term. Enter monthly/quarterly prize drawing for every $25 month-over-month balance increase. Account must be open through month-end for drawings. One withdrawal allowed per 12-month term for a $25 fee; additional withdrawals cause account closure and forfeiture of prize entries.

Offer: Dividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date.

Requirements

Product: Minimum opening deposit $500. Available at branch locations.

Offer: Term: 3 to 5 months.

Requirements

Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.

Requirements

Product: Fixed rates; higher rates by selecting longer term or higher balance tier. Early withdrawal penalty applies: 90 days dividends for terms of 1 year or less, 180 days dividends for terms greater than 1 year. NCUA insured up to $250,000. No setup or maintenance fees.

Offer: Term is 60 Month (1825 days). Penalty for early withdrawal.

Requirements

Product: $1,000 minimum deposit required to open. Early withdrawal penalty applies. Term lengths from 90 days to 60 months.

Offer: Early withdrawal penalty applies.

Requirements

Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.

Offer: 120 Days term.