Best CD rates and certificates

Requirements

Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: Available for a limited time to new customers within Capra Bank market area (Dubuque, Lubbock, Albuquerque, Boise). Limited to one CD special per household/SSN. Must have or open and maintain an active Elevate or Summit checking account. New customers are individuals without a past relationship with Capra Bank in the past 12 months. Allows one rate increase request during the term if Capra Bank's offered rate for the 18-month CD increases after the first 6 months from opening date.

Offer: Valid for new customers with new money (funds not previously held by Capra Bank within past 12 months) of $10,000.00 to $1,000,000.00. Requires opening and maintaining an Elevate or Summit checking account. Early withdrawal penalty equal to 2.25% of principal balance if closed prior to maturity.

Requirements

Product: Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Early withdrawal of up to 50% without penalty is permitted once per term for certificates opened on or after 10/23/2023.

Requirements

Product: Variable rate. Smart-Step certificate accounts offer an option to increase the dividends during each term to current rate in effect upon written request. 24-month term offers one option to increase the dividend rate during each 24-month term. Membership eligibility is required; $10 share account deposit required.

Offer: Monthly Crediting. Average daily balance requirement of $2,500. One option to increase dividend rate during 24-month term.

Requirements

Product: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: Early withdrawal penalty may apply.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.

Offer: Balances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply.