Best CD rates and certificates

Requirements

Product: Consumer accounts only. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of September 18, 2026.

Offer: 23 Month Special CD Special Relationship pricing. Requires an active Bank Five Nine consumer checking account (activity consisting of either a recurring monthly direct deposit ACH credit of not less than $250 or 5 signature-based debit card transactions within any 45-day period). Must be opened with new money not currently on deposit (max $250,000). At maturity, renews into standard 24-month term. Applicable to Wisconsin residents only.

Requirements

Product: Rates and terms apply to regular and jumbo CDs up to $1 million. Advance approval required over $1 million. Penalty for early withdrawal may apply. Fees could reduce earnings.

Offer: APY compounded monthly.

Requirements

Product: For individual depositors. Specials may end at any time, without prior notice. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.

Offer: With active checking account (a Fox Communities Credit Union checking account with a monthly direct deposit or two or more other deposits per month into the same Fox checking). Early withdrawal penalty: 365 Days.

Requirements

Product: Minimum balance to open is $500. Early withdrawal penalties apply.

Offer: Minimum balance to earn APY $5,000.

Requirements

Product: Personal accounts only. Minimum balance to open is $500. Early certificate withdrawal penalties apply (90 days of dividends for terms under 1 year; 180 days of dividends for all other terms). Financial institutions and public funds are ineligible.

Offer: Personal accounts only. Penalty for early withdrawal.

Requirements

Product: Fixed rate of return. Minimum deposit required to open is $1,000. Online opening available for existing North Shore Bank customers.

Offer: Promotional CD rate. Interest compounds quarterly.

Requirements

Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.

Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.

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: Start with a balance of $1,000 to open and maintain the account. Make withdrawals without penalty 10 calendar days after the maturity date. A penalty may be imposed for early withdrawal of time deposit accounts. Fees may reduce earnings on this account.

Offer: 13-Month Fixed Rate CD Special (No IRA's).

Requirements

Product: A penalty may exist for early withdrawal on all Certificates of Deposit accounts and IRAs. Rates subject to change at any time.

Offer: The annual percentage yield (APY) assumes that the interest remains on deposit until maturity. A withdrawal will reduce earnings.

Requirements

Product: The Annual Percentage Yield (APY) on Certificates of Deposit assumes interest remains on deposit until maturity; a withdrawal of interest prior to maturity will reduce earnings. Penalties for early withdrawal of principal could reduce earnings, whether earned or not. Interest accrues using the daily balance method at the interest rate in effect for that balance tier.

Offer: Interest compounded: Quarterly; Interest credited: Quarterly

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: The 7 month CD is subject to the terms and conditions of a 182 day CD; the 15 month CD is subject to the terms and conditions of a 1-year CD; the 32 month CD is subject to the terms and conditions of a 30 month CD. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal.

Offer: Subject to terms and conditions of a 182 day CD. Penalty may be imposed for early withdrawal. Interest must remain on deposit until maturity.

Requirements

Product: Requires a Tri City National Bank checking account to open. Maximum balance of $500,000 per primary customer tax identification number (SSN or EIN). Not available for Individual Retirement Accounts (IRA). Early withdrawal penalty applies. Fees may reduce earnings.

Offer: Requires a Tri City National Bank checking account to open. Maximum deposit $500,000 per primary customer SSN/EIN. Not available for IRAs. Early withdrawal penalty applies. Fees may reduce earnings.