Best CD rates and certificates

Requirements

Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.

Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.

Requirements

Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.

Requirements

Product: Limited time offer. Penalty may be imposed for early withdrawal before maturity. Interest paid monthly on certificates over $100,000.

Offer: Limited time offer. $1,000 minimum balance, $150,000 maximum balance.

Requirements

Product: Term Share Certificates are time deposits available from 6 months to 3 years. Minimum deposit of $1,000.00 or $2,500.00 required. Early withdrawal penalties apply.

Offer: Dividends paid quarterly.

Requirements

Product: Early withdrawal penalty: 3 months interest for terms 1 year or less; 6 months interest for terms over 1 year.

Offer: Early withdrawal penalty: 6 months interest for terms over 1 year. Rate update one time; must come into bank or call to change rate.

Requirements

Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.

Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.

Requirements

Product: A penalty may be imposed for early withdrawal. APY on certificates of deposit with term lengths indicated in a range of days/months is calculated on the maximum term length.

Offer: Term is 18-29 months. APY calculated on maximum term length. Early withdrawal penalty may apply.

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: Promotions are for a limited time only. 8-month CDs will automatically renew into a 6-month CD.

Offer: Promotional CD offer. Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply. Interest compounded and credited quarterly.

Requirements

Product: Requires opening or maintaining an existing Century Bank checking account ($25 opening deposit for Century Checking, $5/mo for paper statements or no charge for eStatements). Promotional rates cannot be combined with other offers. Early withdrawal penalty applies. Daily balance of $1,000 required to obtain stated APY ($5,000 for 3 Month CD). At maturity, 7-month CD renews into 182-day CD, 11-month CD renews into 12-month CD, and 3-month CD renews into 90 Day Classic CD. No public funds. Personal CDs have no maximum deposit; business CDs limited to $200,000.

Offer: Must open or own an existing Century Bank personal checking account. Daily balance of $1,000 required to obtain stated APY. Interest credited at maturity and not compounded. Renews into 12-month CD at maturity. Rates effective as of 9/24/2026.

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.

Requirements

Product: Membership eligibility requirements apply. Early withdrawal penalties apply. Fees could reduce earnings. APY is earned if dividends remain in the account for one year.

Requirements

Product: Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.

Offer: Requires a Platinum or Silver Debit Account