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: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.

Offer: Requires a Numerica Checking account. Limited-time offer ending October 31, 2026.

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: Available to customers age 16 or greater. Minimum opening deposit is $100.00. Account is subject to fees assessed for other banking services as applicable. Penalty may be imposed for early withdrawal.

Offer: Limited-time 11 Month CD Special / Time Certificate Deposit Special. Maximum of $2.5 million per customer. Early withdrawal penalty: 3 months interest.

Requirements

Product: Does not apply to IRAs. Maximum opening deposit of $1 million. A penalty may be imposed for early withdrawal. Membership required.

Offer: Does not apply to IRAs. Maximum opening deposit of $1 million.

Requirements

Product: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.

Offer: Valid for opening accounts online.

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: Available for personal and business accounts at all Peoples Bank Branches; cannot be combined with any other offer. Not available for accounts opened online. Requires an active Peoples Bank Checking Account. Penalty may be charged for early withdrawal.

Offer: Effective for accounts opened on or after 10/01/2026. At maturity, renews into a 12-month fixed rate term at the current rate. Requires an active Peoples Bank Checking Account.

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: Fixed interest rate for the term. Interest compounded daily. Variable terms from 3 to 60 months. Minors (age 12-17) eligible with parent/guardian (age 18+). 10-day grace period for penalty-free withdrawals upon automatic renewal.

Offer: CD Special. Earn up to 3.56% APY with a Banner's Best Checking account (current owners earn 0.25% over posted rates; account must be active at renewal). Interest compounds daily and is credited at maturity. On the first maturity date after promotion ends, changes to a standard 6-month fixed rate CD.

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: 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: Designed for the habitual saver and allows unlimited deposits during the term. Interest rate and annual percentage yield may change after account opening. Available to customers age 16 or greater. A penalty may be imposed for early withdrawal. No minimum deposit requirement for IRAs.

Offer: Variable rate subject to change during the term. Additional deposits accepted during term.

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.