Best CD rates and certificates

Requirements

Product: Minimum deposit is $500. Automatically renewed. Dividends compounded daily. Early withdrawal penalties apply: maturity of one year or less is 31 days dividend; maturity of more than one year is 91 days dividend.

Offer: Dividends compounded daily.

Requirements

Product: NCUA insured up to $250,000. Minimum opening deposit is $500 ($100,000 for Jumbo Certificates). Monthly dividend crediting. Early withdrawal penalty applies: 90 days’ dividends for terms 1 year or less, 120 days’ dividends for terms over 1 year but less than 5 years, 180 days’ dividends for terms 5 years or more. Certificates automatically renew at the current dividend rate unless you choose to transfer funds to your Share Account.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

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

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

Requirements

Offer: Promotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply.

Requirements

Product: The Freestyle Certificate is for a 12 month term. The minimum deposit to open is $1,000.00. If the balance falls below $1,000.00 the certificate will be closed. Unlimited deposits may be made during the certificate term not to exceed a maximum balance of $500,000.00. Three (3) penalty-free withdrawals are allowed, afterward a penalty may be imposed for the early withdrawal of principal. The certificate will be automatically renewed to the same type and term at maturity. Share Certificate APY assumes dividends are retained in the certificate. Fees may reduce earnings.

Offer: Minimum deposit to open is $1,000.00. Certificate will be closed if balance falls below $1,000.00. Maximum balance is $500,000.00. Unlimited deposits allowed during term. Up to 3 penalty-free withdrawals allowed, after which a penalty may be imposed. Automatically renews to the same type and term at maturity.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Dividends are compounded and credited monthly. The minimum opening deposit and minimum balance to earn the stated APY is $1,000. Automatic renewal upon maturity. 7 calendar day grace period to withdraw or transfer funds without penalty. Open online for amounts up to $5,000; visit a branch for amounts over $5,000.

Requirements

Product: For new deposits only into Members CU (money currently on deposit does not qualify). Available for amounts from $1,000 to $250,000. Dividends compound and post semi-annually. 90-day penalty for early withdrawal. Renews automatically at current rate unless notified within 10 days of maturity.

Offer: Available for amounts from $1,000 to $250,000. Eligible for new deposits only; money currently on deposit does not qualify. Dividends compound and post semi-annually. 90-day penalty for early withdrawal. Renews automatically unless notified within 10 days of maturity date.

Requirements

Product: All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY.

Requirements

Product: Additional amounts in $500 increments. Dividends are paid quarterly and transferred to Share Savings Account; dividends will not be compounded. Penalties for early withdrawal apply. Automatically renews at maturity at the current rate unless written notice is received prior to maturity or funds are withdrawn at maturity. Requires primary Share Savings Account with $25.00 initial share deposit and minimum balance.

Offer: Dividends paid quarterly and transferred to Share Savings Account without compounding. Automatically renews at 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: Contact memberservices@finexcu.org for CD rates greater $75,000. Minimum of $1,000 to open. An early withdrawal penalty may apply to share certifications if you withdraw any of the principal before the maturity date. Dividends compounded and credited every month.

Offer: 18 Month Special-NEW MONEY ONLY. New Money is considered funds not currently under deposit at Finex Credit Union.

Requirements

Product: Must maintain a minimum collected daily balance of $1,000.00 to obtain disclosed APYs. No withdrawal of any kind during the first 6 calendar days after initial deposit; after that, full balance may be withdrawn without penalty. No partial withdrawals allowed.

Offer: Must be opened in branch. Minimum opening deposit $1,000. No withdrawal during first 6 calendar days after deposit; thereafter full balance withdrawal allowed without penalty. No partial withdrawals.

Requirements

Product: Early withdrawal penalties may apply. Interest compounded daily and credited monthly.

Offer: Minimum balance to open and earn APY is $500.00.