Best CD rates and certificates

Requirements

Product: CD Specials require minimum deposit of $5,000. Auto-renewal policy applies (see term conditions). Rates may change after account is opened.

Offer: 5-Month Term; renews at 6-Month term at maturity

Requirements

Product: Certificate is subject to penalty for early withdrawal (terms of 12 months or less will lose 90 days of dividends; terms of 13 months or more will lose 180 days of dividends). Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.

Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).

Requirements

Product: Rates are accurate as of October 5, 2026. Fees may reduce earnings. Rates are subject to change without notification. Certificates of Deposit are subject to a substantial penalty for early withdrawal. Compounding and crediting frequency: Interest may be paid monthly, quarterly, semiannually, or annually by check, direct deposit into another FCB account, compounded, or at maturity if less than 1 year term. Renewal: Account will automatically renew unless otherwise specified.

Offer: **Specials: Pick Your Term

Requirements

Product: No setup or maintenance fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.

Offer: Special Term*. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 19-Month CD will automatically renew to a term of 18-Months.

Requirements

Product: Rates effective as of 10/16/26. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.

Offer: 27 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity.

Requirements

Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.

Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.

Requirements

Product: Fees may reduce earnings. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.

Offer: Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal.

Requirements

Product: Consumer CDs for terms of 30 days to 5 years; interest rate increases with term and amount invested. Interest compounded and paid quarterly for terms 6 months and older; 30 to 90 day certificates compound and are paid at maturity. Penalty for early withdrawal; fees may reduce earnings. $1,000 minimum deposit for 1-2-3-4-5 year terms.

Offer: Promotional 11 Month CD. $500 minimum balance required to obtain 4.11% APY. Penalty for early withdrawal may be imposed. Fees may reduce earnings.

Requirements

Product: Daily Balance Required & $249,000 per account limit. A penalty will be imposed for early withdrawal.

Offer: 14-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000.

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.

Requirements

Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.

Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.

Requirements

Product: A minimum deposit of only $500 makes it easy to start at any time.

Requirements

Product: Must be opened with new money, defined as new to Byline. For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.

Offer: Must be opened with new money, defined as new to Byline. Interest compounded and paid quarterly. No minimum balance required to earn APY.

Requirements

Product: Minimum deposit of $2,000 is required to open a CD. Early withdrawal penalty applies (91 days of interest for terms 12 months or less; 180 days of interest for terms over 12 months). Fees will reduce earnings.

Offer: 13 Month Special. Automatically renews in 12-month intervals earning the then-current APY of the traditional 12-month CD. Paid on all balances.

Requirements

Product: Not valid for IRAs. Interest compounded quarterly. Early withdrawal penalty applies.

Offer: Not available for IRAs. Interest compounded quarterly. Early withdrawal penalty applies.