Best CD rates and certificates

Requirements

Product: Membership required. Minimum investment $1,000. Early withdrawal penalties may apply. Rates are fixed for the full certificate term.

Requirements

Product: Rates are subject to change. Applied location: ZIP 64106.

Requirements

Product: Penalty for early withdrawal. No setup or maintenance fees. $1,000 minimum opening deposit.

Offer: Penalty for early withdrawal.

Requirements

Product: Early withdraw penalties may apply. Fees may reduce earnings. Low minimum deposit of only $1,000. Dividends compound annually or at maturity. Automatic renewal.

Offer: Early withdraw penalties may apply. Fees may reduce earnings.

Requirements

Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.

Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.

Requirements

Product: Interest compounded daily and credited monthly. 20-day grace period following maturity for penalty-free withdrawals/additions. Withdrawals within first 6 days of initial deposit incur 7-day simple interest penalty. 24- and 36-month certificates are available as step-up CDs (one-time request for higher rate if rates increase, renewing original term).

Offer: 20-day grace period upon 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

Offer: Interest frequency: Monthly.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.

Requirements

Product: Minimum opening deposit $1,000. Early withdrawal penalties may apply. Promotional certificates that automatically renew will earn the applicable standard rate.

Requirements

Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.

Requirements

Product: Interest compounded and credited annually. Penalty for early withdrawal. Rates current as of 10/6/2026.

Offer: Relationship special rate for customers with an INB loan or INB checking account with monthly direct deposit. Daily balance method. Early withdrawal penalty of 180 days of interest. Automatically renews at a 12-month term with standard rates. 10 calendar days grace period.

Requirements

Product: Includes an option that allows you to increase or 'bump up' the dividend rate and APY once during the term to the current rate in effect at that time for a 36-month certificate. Dividends credited and compounded monthly. No monthly maintenance fee. At maturity, automatically renews into a 36-month certificate at the prevailing rate with no bump-up option. Penalties may be imposed for early withdrawal.

Offer: Option to bump up dividend rate and APY once during the 39-month term to the current rate for a 36-month certificate. Renews into a 36-month certificate.