Best CD rates and certificates

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: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.

Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.

Requirements

Product: Membership eligibility required. $5 membership share savings account and one-time $5 fee. Minimum deposit $500. Monthly compounded dividends. Early withdrawal penalties apply (90 days dividends for terms 6 months or less; 180 days dividends for terms 12 months or longer).

Offer: Limited-time offer.

Requirements

Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: Canvas Credit Union membership required. Minimum $1,000 to open and $1,000 minimum balance to earn interest. Dividends credited and compounded monthly.

Offer: Limited time offer; promo CD.

Requirements

Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.

Requirements

Product: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. 24-month term share certificate. Deposits range from $1,000 minimum to $5,000,000 maximum. Dividends compounded and credited monthly. Early withdrawal penalty equal to 730 days of dividends. Membership required.

Offer: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. Rates up to 4.25% APY. Dividends compounded and credited monthly. Penalty equal to 730 days of dividends if withdrawn before maturity. Membership required.

Requirements

Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.

Requirements

Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.

Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.

Requirements

Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.

Requirements

Product: Minimum opening deposit $500. Minimum balance to earn dividends $500. Penalty for early withdrawal. Dividends paid monthly. 10 calendar-day penalty-free grace period at maturity.

Offer: Special certificates are limited to a total of $250,000 per member or business. CD will automatically renew for successive 12-month terms at the current dividend rate for that term.

Requirements

Product: Interest earned is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Automatically renews to a fixed rate CD of equivalent term.

Requirements

Product: Available for consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply. Standard term lengths range from 6 months to 60 months, but non-promotional terms require entering a ZIP code to view rates.

Offer: Limited time offer. Consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply.

Requirements

Product: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.