Best CD rates and certificates

Requirements

Product: Early withdrawal penalties apply to all certificate accounts. Insured up to $250,000 by NCUA.

Requirements

Product: Opening deposit minimum of $1,000. Dividends compound quarterly, post on the last night of each calendar year quarter, and are calculated by the simple interest method using a 365-day basis. Early surrender penalty is 90-day dividends, whether earned or not.

Offer: Compounding quarterly.

Requirements

Product: Early withdrawals from CDs will incur substantial penalties. Fees could reduce earnings on some accounts. Additional deposits are permitted to share certificates up to 10 days after open/renewal date. The minimum required to open is the same as the minimum required to earn corresponding interest. Monthly Interest / Monthly Check - Posted rate less .20% APY. All rates subject to change without notice.

Requirements

Product: Requires new money. Rates subject to change.

Offer: New money required.

Requirements

Product: Dividends are compounded and declared monthly based on available earnings, computed on the average daily balance. Early withdrawal penalties apply (original maturity of 12 months or less: 30 days dividends; more than 12 months: 90 days dividends). Fixed rates for the term of the certificate. Automatically renewable.

Requirements

Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.

Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.

Requirements

Offer: Dividends paid quarterly

Requirements

Product: Traditional Certificates require a minimum deposit of $500. Deposits insured through NCUA up to at least $250,000 with IRA deposits insured separately up to $250,000. Early withdrawal penalties apply. All rates listed are subject to change without notice.

Offer: Early withdrawal penalties apply. All rates listed are subject to change without notice. APR is 2.50%.

Requirements

Product: Dividends paid quarterly and at maturity (if applicable). Membership eligibility required.

Offer: Dividends paid quarterly and at maturity (if applicable).

Requirements

Product: Minimum amount $500 for a stated period of time (30 days to 5 years). Automatically renewable fixed rate; 10-day grace period after maturity to withdraw funds without penalty. Simple interest early withdrawal penalty: 91 days of interest for terms of 12 months or less, 182 days of interest for terms longer than 12 months (waived in the event of death or incompetency). No funds may be added during the term.

Offer: 60 Months term. APY assumes interest paid will not be withdrawn.

Requirements

Product: Fixed rates; higher rates by selecting longer term or higher balance tier. Early withdrawal penalty applies: 90 days dividends for terms of 1 year or less, 180 days dividends for terms greater than 1 year. NCUA insured up to $250,000. No setup or maintenance fees.

Offer: Term is 60 Month (1825 days). Penalty for early withdrawal.

Requirements

Product: Rates are subject to change based on current market.

Requirements

Product: No setup or maintenance fees. No early withdrawal penalty after the first 6 days following the funding date.

Offer: No early withdrawal penalty after the first 6 days following the date funded.