Best CD rates and certificates

Requirements

Product: New Money is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. Business accounts are not eligible for the promotion. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria are not met when a certificate is opened. Early withdrawal penalty may apply. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.

Offer: Requires $1,000 minimum deposit of new money not previously on deposit with the credit union over the past 30 days. Bump Option: n/a. Early withdrawal penalty applies.

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: Available to Verity Credit Union members only. Non-members must establish a Prime Share savings membership account ($5 membership fee required to join). Early withdrawal penalty applies: 90 days interest for terms of 365 days or less; 180 days interest for terms over 365 days. No minimum balance required to open a certificate. Standard certificates allow additional deposits only during the first 10 days; Savers Certificates allow additional deposits at any time. At maturity, promotional-term certificates (13, 19, 25 months) automatically renew into standard-term certificates of the next shorter standard term (12, 18, 24 months) at the prevailing standard rate.

Offer: Promotional CD special. Automatically renews at maturity to a 24-month certificate at standard rate.

Requirements

Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.

Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.

Requirements

Product: Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.

Offer: Interest compounded daily; early withdrawal penalties apply.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Minimum opening deposit of $1,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.

Offer: Bump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. Compounded and credited monthly. Early withdrawal penalties apply. Unlimited add-on deposits available during the term.

Offer: Promotional certificate. Limited time offer. At maturity, rolls into a new 12-month certificate. Unlimited add-on deposits not available.

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: Automatic renewal available. Certificate-secured loans available. Dividends calculated daily and compounded and credited monthly. Early withdrawal penalties may apply.

Offer: 12-Month term. Minimum monthly balance of $500.

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 opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.