Best CD rates and certificates

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Treasure Valley Small Savers Add-On Certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.

Requirements

Product: Minimum to open and earn dividends is $1,000. Members ages 55+ may receive a 0.10% APY dividend increase on new or renewal certificates 24 months or greater.

Requirements

Product: Fixed rates and guaranteed returns with terms ranging from 3 to 60 months. Minimum deposit of $1,000. Penalty for early withdrawal/early closure.

Offer: Penalty for early withdrawal closure.

Requirements

Product: Promo rate available when opening a new Share Certificate with a minimum of $100.00 for a 12-month term. Assumes dividends remain on deposit until maturity.

Offer: Promo rate available when opening a new Share Certificate for a 12-month term.

Requirements

Product: Stated APY assumes that deposit balances remain until maturity. Interest is compounded monthly and credited monthly. Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty. CDs will automatically renew at maturity into the closest standard term available at the then-current market rate. You have a 10-calendar day grace period after the maturity date to withdraw funds without penalty.

Requirements

Product: Dividends paid monthly. Early withdrawal penalties apply.

Requirements

Product: Available to consumer customers. Early withdrawal penalty will be imposed.

Offer: Annual Percentage Yield (APY) assumes all interest will remain on deposit until maturity date. Early withdrawal penalty will be imposed.

Requirements

Product: Limited-time offer celebrating first anniversary at Suwanee Branch in Georgia only. Open account in-person at Suwanee Branch. Must have a qualifying checking account with PCB Bank and open with new money only. Account automatically renews for the same term at maturity. Early withdrawal penalty equal to 2 months' interest.

Offer: Offer good for the initial term only. Interest will not be compounded, credited at maturity. Minimum deposit of $10,000 in new money and qualifying checking account required.

Requirements

Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.

Requirements

Product: Minimum balance $1,000. All accounts are insured to $1,000,000 by American Share Insurance. Online-only certificate promotions are available to current members through home banking or mobile banking only. Early withdrawal penalties apply. 9-month and 13-month certificates auto-renew to a 12-month certificate at maturity.

Offer: Not available for IRA accounts. Auto-renews to 12-month certificate at maturity.

Requirements

Product: Available to qualified Pasadena FCU members. Rates effective as of November 2025 and subject to change. Early withdrawal penalties apply, fees may reduce earnings. Yields based on certificates held to maturity. Dividends paid monthly.

Offer: 13-month Certificate Promotion. Minimum opening balance of $500 required and must be maintained for the full certificate term. Certificate is for new money to PFCU only. Automatically renews to a 13-month certificate at posted rate at time of renewal. Members who open a new checking account, enroll in Digital Banking, consent to eStatements, and maintain qualifying direct deposits may receive a 0.50% APY bonus rate (maximum APY of 4.50%).

Requirements

Product: HBCU may match the current Share Certificate (CD) rate and term offered by another financial institutions when verified and when you maintain an active share draft checking account with a minimum of 3 transactions and direct deposit of NetPay, PERS or Social Security.

Offer: Special Certificate Offering for 15-month term. Requires new money and is limited to one certificate per member. New money is defined as funds not currently on deposit with Huntington Beach Credit Union. There is no maximum deposit limit per member. The Special Certificate Offering will be offered until up to $2 million is funded. Penalty for early withdrawal is forfeiture of all or 90 days dividends, whichever is less, with a minimum penalty of $90 and no maximum. At maturity, certificates will automatically renew at the then current rate. Unless alternative instructions are received during this period the certificate will renew into a 12-month term.

Requirements

Product: Requires new money deposit. Early withdrawal penalty may apply.

Offer: New money requirement