Best CD rates and certificates

Requirements

Product: Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

Offer: Fixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies.

Requirements

Product: Dividends paid quarterly, APY assumes dividends remain in account until maturity. Maximum deposit amount is $478,000.00. Early withdrawals incur a penalty. Renews to a standard Certificate at non-promotional dividend rate in effect at maturity.

Offer: Dividends paid quarterly. Early withdrawal penalty applies. Renews to standard Certificate at non-promotional dividend rate at maturity.

Requirements

Product: Must be a member of Glendale Area Schools Credit Union and maintain an active Share Savings Account or UTMA Account. A minimum deposit of $1,000 is required to open. Early withdrawal penalties apply.

Offer: America's 250th 4% CD Promotion. Offer good through October 31.

Requirements

Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.

Offer: Requires GoldStar® Membership.

Requirements

Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).

Offer: Requires GoldStar® Membership.

Requirements

Product: Minimum $1,000 to open. New money required; funds deposited may not be from an existing Financial Partners Credit Union account. Up to two penalty-free withdrawals allowed during the 9-month term; minimum balance of $1,000 must be maintained in the account at all times. Additional early withdrawals or early closure will incur a penalty.

Offer: New money only. Up to two penalty-free withdrawals allowed during term while maintaining a minimum balance of $1,000 at all times. Additional early withdrawals or early closure incur penalty.

Requirements

Product: For new money only (funds must not currently be deposited with CommonWealth). Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Special Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.

Offer: For new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew. Early withdrawal penalty is 90 days of interest.

Requirements

Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.

Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.

Requirements

Product: Membership required. Limit one 10-Month Flex certificate per member. Requires new money from outside SkyOne. Starting day 7, allows penalty-free and fee-free daily withdrawals of up to 50% of start of daily balance as of 12:00 AM; withdrawals bringing balance below $1,000 terminate the account. Additional deposits permitted anytime prior to maturity. Renews automatically into standard 11-month Liquid Certificate at maturity.

Offer: New money only. Minimum opening balance and minimum balance to earn advertised APY is $1,000.

Requirements

Product: Limited time offer valid from 08/17/2026 through 09/30/2026. Excludes IRA and ESA certificates. Automatically renews at maturity to the 12-month certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Early withdrawal penalty applies. Must be a member of Mirastar Federal Credit Union.

Offer: Valid from 08/17/2026 through 09/30/2026. Minimum opening deposit of $500. Excludes IRA and ESA certificates. Early withdrawal penalty applies. Renews to 12-month certificate fixed rate at maturity.

Requirements

Product: Must meet membership and account criteria. Maximum combined Promo Certificate deposits of $1,000,000 per household. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity; withdrawals reduce earnings. Penalties apply for early withdrawals. Automatically renews into standard certificate closest like term at prevailing dividend rate unless instructed otherwise.

Offer: 11-Month Flex: Unlimited deposits allowed during certificate term up to maximum deposit amount, earning dividends from day of deposit.

Requirements

Product: Available only on new money deposited to UCU (money not currently or previously held in a UCU account). Special Promotional certificate will renew as a 12-month certificate at the available rate for the product at that time. Offer scheduled to end October 27, 2026. No maximum deposit amount. Early withdrawal penalties apply.

Offer: Special promotional rate available only on new money deposited to UCU. Renews as a 12-month certificate. Scheduled to end on October 27, 2026. No maximum deposit.

Requirements

Product: Rates effective 2026-09-16. Minimum opening deposit $1,000. Rate fixed for the stated term; dividends compounded and credited monthly. Penalty for early withdrawal. Rates with Active Checking require at least one direct deposit or ACH deposit during the monthly Statement Cycle in a checking account in good standing held by primary account owner.

Offer: Certificate Special; Rate with Active Checking (requires at least 1 direct deposit or ACH deposit per monthly statement cycle)

Requirements

Product: Membership is required. Early withdrawals are subject to penalties and may reduce earnings. Limited time offer.

Offer: Limited time offer. Early withdrawals are subject to penalties and may reduce earnings. Full relationship benefits (e.g., direct deposit of $250 minimum or automatic payment) can earn a 0.10% APY increase on a new share certificate.

Requirements

Product: All new money required for promotional certificate terms. Minimum opening balance of $500 and maximum deposit of $500,000. Upon maturity, rolls into a non-promotional certificate at the prevailing APY: 4-month rolls to 6-month, 8-month and 11-month roll to 12-month, and 15-month rolls to 18-month. Penalty may be imposed for early withdrawal.

Offer: Requires all new money. Automatically rolls into a non-promotional 12-month Certificate upon maturity at prevailing APY.