Best CD rates and certificates

Requirements

Product: Substantial penalty of three months interest for early withdrawal may be imposed. Certificates of deposit will renew 10 days after the maturity date if not redeemed. The interest rate may change daily after the account is opened. Interest compounded quarterly.

Offer: 9 month CD SPECIAL. Interest compounded quarterly.

Requirements

Product: $500 minimum investment ($100 for youth accounts, $50 with automatic deposit). Add on anytime without resetting term or rate. Add-on minimum is $500 in person/phone ($100 for youth); no minimum for add-ons via online banking, direct deposit, or automatic transfer. Penalty for early withdrawal.

Offer: $500 minimum opening deposit ($50 with automatic deposit; $100 for youth accounts). Add funds anytime without extending term.

Requirements

Product: Early withdrawal penalty applies. Fees and withdrawals may reduce earnings. CDs renew automatically into the same Term CD.

Offer: Minimum balance to open the account and maintain the stated APY is $500.

Requirements

Offer: Term: 90 Days

Requirements

Product: No monthly fee. Withdraw your money at any time and pay no penalties.

Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: 91 days to 6 year terms. Early withdrawal penalties apply. $25 minimum deposit required for additional deposits on the 1 year CD. Compounded quarterly and credited quarterly (or credited at maturity for terms under 1 year).

Offer: One Year CD. A penalty may be imposed for early withdrawal.

Requirements

Product: Interest is compounded and paid semi-annually or at maturity, whichever occurs first. Daily balance method applies. Early withdrawals subject to penalty. Automatically renews at maturity with a 10-day grace period.

Offer: 12-month term. Early withdrawal penalty of 3 months' interest.

Requirements

Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.

Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: Early withdrawal penalty applies. 4 Year Certificate includes Rate Protection allowing up to two rate increases to current rate for remaining term.

Offer: 2 Year Certificate. Early withdrawal penalty applies.

Requirements

Product: Certificate rates subject to change daily. Early withdrawal penalty fee applies on all certificates.

Offer: Early withdrawal penalty fee applies.

Requirements

Product: Dividends paid quarterly, 90 days dividend penalty for early withdrawal.

Offer: Dividends paid quarterly, 90 days dividend penalty for early withdrawal.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Product: Quarterly interest payments and no maintenance or setup fees. Includes one rate bump up during the term. Deposits allowed at any time. No penalties for emergency withdrawal.

Offer: 3 year maturity with one rate bump during the term to current 36-month interest rate; deposits allowed anytime; no early withdrawal penalty for emergencies

Requirements

Product: Early withdrawal penalties apply. Federally insured by NCUA.