Best CD rates and certificates

Requirements

Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies.

Offer: Offer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.

Requirements

Product: Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.

Offer: Promotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 3-Month Certificate at maturity.

Requirements

Product: Fixed interest rate for the entire term of the certificate. Certificate dividends are earned daily and paid monthly. Early withdrawal penalty applies. Fees may reduce earnings.

Offer: Fixed rate; Promo

Requirements

Product: Offered for a limited time on short-term CDs. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Interest is compounded quarterly. Minimum opening deposit/balance is $1,000. Early withdrawal penalty may apply.

Offer: Short-term CD special.

Requirements

Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.

Requirements

Product: Available only on new money deposited to UCU (money not currently or previously held in a UCU account). Renews as a 6-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Offer: Available only on new money deposited to UCU. Renews as a 6-month certificate. No maximum deposit.

Requirements

Product: Dividends earned monthly. Insured up to at least $250,000 by NCUA. Subject to early withdrawal penalty.

Offer: Special limited-time promo share certificate. Early withdrawal penalties and other restrictions may apply.

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: Limited-time special certificate. Requires $10,000 minimum deposit with 50% in new money (funds not on deposit at Valley First Credit Union in the 30 days prior to certificate opening). Must have a Valley First primary share account. At maturity, rolls over to a 6-Month Premium Certificate unless changed during the 10-day grace period.

Offer: Requires 50% of opening deposit in new money.

Requirements

Product: Membership required. Early withdrawal penalties may apply. Total subsequent deposits on 1-year add-on limited to $25,000. 5-month Liquid allows penalty-free withdrawals and deposits with no maximum balance.

Offer: Dividend paid at maturity. At maturity, funds convert to a non-promotional 1-year Share Certificate.

Requirements

Product: Treasure Valley rates. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.

Requirements

Product: No setup fees. Minimum initial deposit is $1,000.

Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).

Requirements

Offer: Flex Term Promotion (6-60 Months)

Requirements

Offer: Under $50,000 (Dividends Paid at Maturity)

Requirements

Product: Promotional certificate available September 16 through September 30, 2026. For eligible personal and business accounts. Automatically renews at maturity as a traditional 6-month certificate at prevailing rate. Early withdrawal penalty applies.

Offer: Promotional offer available September 16 through September 30, 2026. Minimum deposit of $1,000 required.