Best CD rates and certificates

Requirements

Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.

Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.

Requirements

Product: Minimum opening balance is $1,000 for terms less than 45 days (31-day term) and $500 for terms greater than 45 days. Compounding frequency is quarterly for 3-month to 120-month terms and none for the 31-day term. Early withdrawal penalties 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: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.

Requirements

Product: New money required. $500 minimum balance to obtain APY and to open. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD at prevailing rate with a 7-day grace period. Additional deposits of new money permitted.

Offer: Requires new money. Must deposit $500.00 to open and maintain a daily balance of $500.00 each day to obtain disclosed APY. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD with a 7-day grace period.

Requirements

Product: Early withdrawal penalties apply. APY for CDs one year or more are based on quarterly interest.

Offer: Relationship/New Money special: Valid on new money not currently on deposit with 1st National Bank of Scotia, or for depositors who maintain an active deposit account or loan relationship. Reverts to 6-month CD at maturity. Rate guaranteed for 9 months from opening date.

Requirements

Product: Early withdrawal penalties apply on CD accounts. Guaranteed fixed rate of return for the entire term.

Offer: 9 Month CD term.

Requirements

Product: Available In Branch and Online. Automatically renews at maturity.

Offer: Fixed rate for 9 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.

Requirements

Product: Minimum to open and obtain APY is $500. Early withdrawal penalty applies. Dividends compounded and posted monthly. Share certificates automatically renew at maturity.

Offer: Dividends compounded and posted monthly. Early withdrawal penalty applies.

Requirements

Product: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.

Requirements

Product: Membership open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, and immediate family members. $5 deposit into a Share Savings Account required. A penalty may be charged for early withdrawal.

Offer: Standard rate without $5,0000 deposit in new money.

Requirements

Product: No minimum initial deposit required. Additional deposits may be made at any time up until maturity through direct deposit, online banking, phone, or in a branch. Early withdrawal penalty is 180 days of dividends. Automatically renews at maturity.

Requirements

Offer: Dividend Paid at Maturity

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Minimum balance requirement: $500. Penalty for early withdrawal.

Offer: 12 month term. Early withdrawal penalty: 60 days loss of dividends.