Best CD rates and certificates

Requirements

Product: Offer valid for new money only. Maximum deposit $50,000. Limit one promotional account per customer/SSN/Tax ID Number. Interest rate is fixed for the 4-month term. Early withdrawal penalty will apply. At maturity, the certificate renews at a standard CD term unless funds are withdrawn within the 10-day grace period.

Offer: Offer valid for new money only (funds not currently on deposit with Liberty Bank of New Jersey). Minimum deposit and balance of $1,000 required to earn stated APY; maximum deposit $50,000. Limit one promotional account per customer/SSN/Tax ID Number. Interest rate fixed for 4 months. Early withdrawal penalty applies.

Requirements

Product: Available to new and existing Advantage Banking customers. Requires setting up direct deposit of $500 or more per month into Advantage Checking, opting for e-statements, maintaining an Advantage Banking relationship, and bringing in new money from outside Monroe Savings to fund the CD. If requirements are not met, reverts to prevailing 6-month CD rate. Limit one CD per customer. Early withdrawal penalties may apply.

Offer: Exclusive rate when combining Advantage Banking, setting up a direct deposit of $500 or more per month into Advantage Checking, opting for e-statements, and funding with new money from outside Monroe Savings. Reverts to prevailing 6-month CD rate if requirements are not met. Limit one CD per customer.

Requirements

Product: Dividends paid quarterly. 10-month certificate renews to 12-month at maturity; 30-month certificate renews to 24-month at maturity. Early withdrawal penalty applies.

Offer: 30-month certificate special automatically renews to a 24-month certificate upon maturity. Early withdrawal penalty is 180 days of dividends.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.

Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Early withdrawal penalties may apply. Fees could reduce earnings. $500 minimum balance required to earn dividends. Terms range from 3 months to 5 years. Compounded and paid monthly. Rollover with grace period available at maturity.

Offer: Grand Opening 6-Month Promo: APY is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union. Transfers from existing First Atlantic accounts do not apply. CD will automatically renew at maturity to the same term at the non-promotional rate and APY in effect at renewal.

Requirements

Product: Compounded daily. Substantial early withdrawal penalties apply. Rates are subject to change.

Offer: Minimum balance of $1,500 is required to earn the posted APY.

Requirements

Product: Interest is compounded and credited monthly. Automatic renewal at maturity. Penalty may be imposed for early withdrawal. No monthly service fees.

Offer: Interest compounded monthly. Early withdrawal penalty may apply.

Requirements

Product: Minimum balance to open certificate and obtain stated APY is $1,000.00. CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.

Offer: CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.

Requirements

Product: Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.

Requirements

Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).

Requirements

Product: Must be opened with existing maturing Andrews Federal share certificate funds or must be new money, not currently vested within the Credit Union. Maximum balance allowed is $250,000. Limited time offer. At maturity, all 15-Month Share Certificates automatically renew to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.

Offer: Minimum of $500 to open and maintain account as well as earn the advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal share certificate funds or new money. Limited time offer. No penalties apply for early withdrawal. At maturity, automatically renews to a 12-Month share certificate.

Requirements

Product: Opening deposit and minimum balance is $1,000 ($500 for minors). Penalty for early withdrawal applies. Terms 3 months to 60 months, with additional terms available.

Offer: Promo Code: 1160. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.

Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.

Offer: Opened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 6-month term.

Offer: Balances of $500 or more. Renewal: 6-month term at prevailing rate.