Best CD rates and certificates

Requirements

Product: Bump option can only be exercised once during the term of the Certificate and does not extend the term of the certificate. The new interest rate will not be applied retroactively and will be the rate offered on regular certificates with the same term and minimum balance. Minimum balance to open is $500. Early withdrawal penalties apply.

Requirements

Product: Terms range from 6 to 84 months. Dividends compounded and credited monthly. Zero fees; early withdrawal penalties apply (90 days dividends for 6-60 months, 365 days for 84 months). Additional deposits only during 10-day grace period and maturity.

Requirements

Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

Requirements

Product: Unlimited additional deposits throughout the term up to an aggregate maximum of $5 million per primary account holder SSN or business Tax ID. Early withdrawal penalties may be imposed.

Offer: Dividends compounded and credited monthly; calculated by Average Daily Balance method. Early withdrawal penalty is 90 days of dividends. Unlimited additional deposits up to aggregate maximum of $5,000,000.

Requirements

Product: $1,000 minimum opening balance. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. At any time during the term of the 12- and 24-month certificates, the member may make a one-time election to adjust the rate to a new, fixed rate based on the rate currently offered for 12- and 24-month certificates. Redeem 2,500 Salal Rewards points at time of application or request and receive a 0.25% rate increase on select CDs. Note: Rewards points cannot be used for Youth certificates or promotional rate CDs. Salal Credit Union membership required.

Offer: Member may make a one-time election at any time during term to adjust the rate to a new fixed rate based on currently offered 24-month certificate rate.

Requirements

Product: Penalty for early withdrawals may apply. Certificate dividends are paid at maturity. No setup or maintenance fees.

Offer: Fixed type. Dividends paid at maturity. Penalty for early withdrawal may apply.

Requirements

Product: Penalty for early withdrawal may apply. Certificate dividends are paid at maturity.

Offer: Fixed rate. Min deposit $1,000. Min balance $1,000.

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: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.

Offer: Add more money once per term.

Requirements

Product: Allows a penalty-free, one-time withdrawal for up to 50% of the balance during the certificate term (after the first six days). Standard penalties apply to other withdrawals.

Offer: After the first 6 days, one withdrawal of up to half of current balance without early withdrawal penalty. Standard penalty is 90 days dividends.

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: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.

Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.

Requirements

Product: Offer only available to consumer accounts for a limited time only; business accounts are not eligible. Minimum balance $1,000. CD allows two (2) additional deposits to be added at any time prior to maturity with a maximum limit of $100,000 for additional funds. At maturity, unless directed otherwise during the 10-day grace period, the promotional 17-month add-on certificate will renew into a standard 18-month certificate which does not allow additional deposits during the CD's term. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Offer not eligible for Salal Rewards Points. Salal Credit Union membership required.

Offer: Promotional add-on CD. Allows 2 additional deposits prior to maturity up to $100,000 maximum additional funds. Renews into standard 18-month certificate at maturity. Early withdrawal penalty may apply. Not eligible for Salal Rewards Points.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.