Best CD rates and certificates

Requirements

Product: Federally insured by NCUA up to at least $250,000. Penalties may apply for early withdrawals.

Offer: Dividends paid at maturity / compounded annually and at maturity.

Requirements

Product: No setup or maintenance fees. $500 minimum deposit to open. Early withdrawal penalties: 12 months or less – 90 days of dividends; 18, 24 & 30 mo. – 180 days of dividends; 36, 48 & 60 mo. – 365 days of dividends.

Offer: Featured rate.

Requirements

Product: Fixed rates, higher than regular savings. Dividends are compounded and paid monthly. No setup or maintenance charges. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.

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: 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: Penalty for early withdrawal: for CDs with maturities of 9 months or less the penalty will be equal to 90 days of interest/dividends; for CDs with a maturity of 12 months or greater, other than 13-Month Flexible CD, the penalty will be equal to 180 days of interest/dividends. For 13-Month Flexible CD, one withdrawal up to 25% of the principal balance can be made without penalty; for subsequent withdrawals, the penalty will be equal to 180 days of interest. Compounded and paid monthly.

Offer: 13-Month Flexible CD: one withdrawal up to 25% of the principal balance can be made without penalty; for subsequent withdrawals, penalty equals 180 days of interest. Compounded and paid monthly.

Requirements

Product: Flexible terms from 3 - 60 months. Dividends earned monthly. Early withdrawals carry a penalty. No annual fees. Federally insured by NCUA.

Offer: Early withdrawal penalty may apply.

Requirements

Product: Compounding and crediting frequencies vary by term (monthly or quarterly). Early withdrawal penalties and fees may reduce earnings. 39 Month Bump Up allows a rate increase once during the term.

Offer: Compounded quarterly and paid quarterly.

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: No setup or service fees. Early withdrawal subject to penalty.

Offer: Early withdrawal penalty: 180 days interest.

Requirements

Product: Early withdrawals are subject to penalties. Quarterly dividends. Automatic renewal. Option to transfer certificate dividends into checking or savings account or mailed at no charge. Minimum deposit of $500.

Offer: First Tier APY. Early withdrawals are subject to penalties. All rates are current as of October 23, 2026.

Requirements

Product: Requirements: Savings Account, Minimum Deposit of $500. No Monthly Fee. 1x bump feature allows members with long-term CDs to benefit in a rising rate market. Product features a Step Up feature where you can adjust your interest rate if it goes up.

Offer: Tier I. Dividends Paid annually.

Requirements

Product: Penalties apply for early withdrawal. Fees could reduce earnings.

Requirements

Product: Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.

Offer: In-branch rate special; limited time offer