Best CD rates and certificates

Requirements

Product: Interest on CDs may be credited to the account quarterly, or paid via quarterly check, monthly check, quarterly transfer, or monthly transfer.

Offer: Interest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer.

Requirements

Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.

Requirements

Product: Rates apply to consumer deposits only. Rates may be unavailable in counties where the Bank does not maintain a branch facility. Specials cannot be combined with any other offers. Interest begins to accrue on the business day you deposit non-cash items. Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal.

Offer: Under $100,000.

Requirements

Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.

Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.

Requirements

Product: Fixed rates. No setup or maintenance fees. Early withdrawals subject to penalty.

Offer: 182 Day CD. Penalties may apply for early withdrawal.

Requirements

Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal at end of each term; interest compounded and credited quarterly on the last day of each calendar quarter and at maturity; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity; no principal withdrawals without penalty except interest until maturity.

Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 17, 2026. Homepage states 1.5 Year CD APY as high as 3.03% with $500 minimum.

Requirements

Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.

Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 17, 2026.

Requirements

Product: 42 Month Certificate: deposits of up to twice (2x) the original principal may be made within the first year of opening or of any renewal term; no deposits after that time except at maturity. All other terms of the 18, 30 and 60 month certificates apply.

Offer: Add-on deposits up to 2x original principal in the first year of the term or renewal. Early withdrawal penalty is 180 days of interest, earned or not. Quarterly compounding. APY accurate as of October 17, 2026.

Requirements

Product: Minimum deposit to open and earn interest is $1,000. Penalty may be imposed for early withdrawal. Fees may reduce earnings on account.

Offer: New money required. Available in branches only. Assumes principal and interest remain on deposit for the term of the certificate with monthly compounding and crediting of interest. Penalty may be imposed for early withdrawal. Fees may reduce account earnings. At maturity, CD will automatically renew in a similar term at the then prevailing rate.

Requirements

Product: Dividends are compounded and credited monthly. Must maintain a $1,000 minimum daily balance to earn the stated APY. Early withdrawals are subject to a dividend penalty.

Offer: Fixed rate for 6 months. Stated APY requires maintaining a $1,000 minimum daily balance. Offered through 10/20/26.

Requirements

Product: Dividends compounded monthly and credited quarterly on anniversary date. Penalties apply for early withdrawal. Rates effective 03/01/2025 and subject to change.

Requirements

Product: Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Fixed rates.

Offer: Daily balance to obtain APY. Penalty may be imposed for early withdrawal.

Requirements

Product: Interest rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal. Product-page details: interest paid at end of year as simple interest without compounding, by check or electronic credit to a NOW or Savings account; interest not taxable until year of receipt; no deposits after opening except at maturity.

Offer: Deposit-rates table minimum to open and earn APY is $2,500.00. Due to tax-deferral feature, penalty for withdrawal during term is all interest accrued on the amount withdrawn. APY accurate as of October 17, 2026.