Best CD rates and certificates

Requirements

Product: Limited-time special. Unlimited deposits accepted at any time in $1,000 minimum increments. One withdrawal per calendar month ($1,000 minimum) with no penalty (conditions apply). Penalty for early withdrawal. Automatically renews to a 7-month flex liquid CD / certificate at the current rate.

Offer: Interest compounded monthly. Deposits accepted at any time in increments of $1,000 minimum. One withdrawal per calendar month ($1,000 minimum) with no penalty.

Requirements

Product: Effective as of April 21, 2026. Rates are subject to change. A Jumbo rate may be offered for CD Deposits of $100,000.00 or greater; please inquire with a new accounts representative for details. Penalty may be imposed for early withdrawal. Interest compounds semi-annually; payment frequency (monthly, quarterly, or semi-annually) is optional. Step-Up CD rates may change after the account is opened.

Requirements

Product: 1 penalty-free withdrawal of up to 50% of the current balance any time after the first 6 days of funding your CD without penalty. Additional withdrawals or closing will result in penalties. Minimum balance cannot fall below $100. Add funds anytime (minimum $50 per deposit), including direct deposits.

Offer: 1 penalty-free withdrawal of up to 50% of current balance after first 6 days. Additional withdrawals or closing incur penalties. Minimum balance cannot fall below $100. Additional deposits allowed (minimum $50). Offer not available in all states.

Requirements

Product: Substantial penalty for early withdrawal.

Offer: 6-Month (Special).

Requirements

Offer: Term “O”

Requirements

Product: Dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account.

Offer: $500 Adult / $100 Youth opening balance requirement

Requirements

Product: Membership required. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Early withdrawal penalty applies (90 days dividends for maturity <= 12 months, 180 days dividends for maturity > 12 months).

Requirements

Product: Rates are effective October 1, 2026.

Requirements

Product: Early withdrawal penalties may apply. Fees may reduce earnings.

Offer: Balance required to earn interest: $1,000. Early withdrawal penalties may apply.

Requirements

Product: Rates effective 4/7/25. Early closure penalties apply: 90-day interest for 6-month terms, 120-day interest for 12-month terms, 180-day interest for 18 and 36-month terms.

Offer: Tier I Balance. 90-day early closure penalty.

Requirements

Product: Consumer accounts only. Penalty for early withdrawal. Rates are subject to change without notice.

Offer: Special CD rate. Minimum to open waived for existing checking and savings account customers.

Requirements

Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.

Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.

Requirements

Product: Dividend rate is guaranteed for the term chosen. Dividends will be compounded quarterly and credited to certificate account, or alternatively paid to member or credited to another account. APY is based on the assumption that dividends will remain in the account until maturity.

Requirements

Product: Dividends compounded and credited annually. Minimum opening deposit is $1,000.

Offer: Fixed rate. Dividends compounded and credited annually.

Requirements

Product: Dividends compounded and credited at maturity. Minimum opening deposit is $1,000. If closed before accrued dividends are credited, accrued dividends will not be paid.

Offer: Fixed rate. Dividends compounded and credited at maturity.