Best CD rates and certificates

Requirements

Product: Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly, or at maturity for 30 Day & 3 Month certificates. Automatically renews with a 10-day grace period. Substantial penalty for early withdrawal.

Offer: Fall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Account # 34.

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: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).

Offer: 11-Month Term Share Certificate Special. Minimum deposit to open and minimum balance to earn advertised APY is $1,000. Maximum deposit is $25,000. Limit one per member during promotional period. Early withdrawal penalties apply. Additional deposits not allowed. Automatically renews into 12-month Term Share Certificate at prevailing rate.

Requirements

Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.

Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).

Requirements

Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.

Offer: Promotional rate special. Rollover rate upon automatic renewal is 4.50% APY.

Requirements

Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.

Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.

Requirements

Product: New money only, non-transferable. A penalty may be imposed for early withdrawal. Cannot be combined with any other offer. Subject to cancellation without prior notice.

Offer: New money only, non-transferable. Cannot be combined with any other offer. Subject to cancellation without prior notice. Early withdrawal penalty may apply.

Requirements

Product: $1,000.00 minimum balance to earn APY and to open an account. Certificates automatically renew at maturity. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account. Penalty may be imposed for early withdrawal. Maintenance fee is $0.00.

Offer: Certificate is available for New Money deposits only. New Money is defined as money not currently on deposit or held by Teachers FCU within the previous 12 months.

Requirements

Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.

Offer: Includes 1x Bump Up feature.

Requirements

Product: Dividends compounded and credited monthly to regular share account. Early withdrawal penalty applies: lesser of dividends since issuance/renewal or 90 days dividends for terms under 24 months; lesser of dividends since issuance/renewal or 180 days dividends for terms 24 months or greater.

Requirements

Product: Minimum amount required to purchase a share certificate is $500.00. Dividends are compounded daily and credited monthly. Early withdrawals are subject to penalty which may reduce principal.

Offer: Requires a minimum of $5,000 in New Money not previously on deposit with Greater Metro FCU at opening or renewing.

Requirements

Product: Assumes interest will remain on deposit until maturity. Early withdrawal penalties may apply. $500 minimum deposit required to open any CD.

Offer: All deposits to the 18-month CD must be new money. "New money" is defined as funds that are not currently and were not previously on deposit with Lake Shore Bank. Financial institutions, as defined in the sole discretion of Lake Shore Bank, are ineligible depositors for this product.

Requirements

Product: Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.

Offer: Fixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies.

Requirements

Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).

Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.

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).