Best CD rates and certificates

Requirements

Product: Terms from 1-2 years. Washington Trust checking account required. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.

Offer: Choose a term from 1-2 years. Washington Trust checking account required. Open in branch or on the phone. No municipal or government funds. Early withdrawal penalties apply.

Requirements

Product: Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.

Requirements

Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.

Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.

Requirements

Product: At account holder's request, interest rate and APY may be increased prior to maturity without penalty if rates increase (one time during 18-month term or two times during 42-month term). Early withdrawal penalty may apply.

Offer: Interest rate and APY may be increased one time during the 18-month term prior to maturity without penalty to current interest rate/APY for new CDs of the same type.

Requirements

Product: Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.

Offer: Fixed until maturity. Substantial penalty for early withdrawal.

Requirements

Product: Select a term from 3 to 60 months. Interest is compounded and credited monthly, and may be withdrawn before maturity. Fixed rate.

Offer: This account is for consumers only with a $250,000.00 deposit limit.

Requirements

Product: Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. APY assumes dividends and principal will remain on deposit until maturity; withdrawals reduce earnings and early withdrawal of principal is subject to penalty. Membership eligibility in Fairfield, New Haven, or Hartford County, CT or Sikorsky Aircraft employment required.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: Available for regular funds. Early withdrawal penalties apply. Funds must represent a new deposit to New Haven Bank.

Offer: Limited time offer. Funds must represent a new deposit to New Haven Bank.

Requirements

Offer: For a limited time only. New money only.

Requirements

Product: Dividends are compounded daily and credited monthly using average daily balance. Substantial penalty for early withdrawal. Rates effective 9/21/2026. Fixed rate until maturity.

Requirements

Product: Dividends paid monthly on Average Daily Balance. Automatic rollover at maturity. Minimum $1,000 to open.

Requirements

Product: Member can request a one-time rate increase prior to maturity matching the USALLIANCE rate posted for current Step-Up certificate with same original maturity.

Requirements

Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.

Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Requirements

Product: Dividends calculated and paid quarterly (credited on the first day following the end of each calendar quarter). Early withdrawal penalty equal to 90 days dividends may be charged. Variable Rate footnote applies to Share Accounts/Club Accounts/IRA shares, certificates have guaranteed earnings at a set rate for the entire term. Minimum balance to open is $500.00.