Best CD rates and certificates

Requirements

Product: Assumes dividends remain in certificate until maturity. Withdrawals and fees could reduce earnings. Penalties may be imposed for early withdrawal; penalty-free withdrawals for tuition and home purchases only. Rate-increase feature applies if rate rises within 5 calendar days of opening (only once). At renewal, certificate earns the rate on the day of maturity.

Requirements

Product: Traditional CDs designed to be a low-risk, fixed interest rate account with a set maturity date. Flexible terms ranging from 3 months to 10 years, low minimum deposit requirements, flexible interest payment options, and automatic renewals. Interest is calculated on the daily ledger balance and compounded & credited quarterly. Early withdrawal penalties apply, and fees may reduce earnings.

Offer: Special offer accurate as of September 18, 2026. Fixed interest rate of 3.94% (4.00% APY). $5,000 minimum balance required to open the account and obtain advertised APY. Cannot be combined with any other offers. Auto-renews at 12-month term at current rate. Penalties apply for early withdrawal.

Requirements

Product: Early withdrawal penalties may apply. Membership subject to eligibility.

Requirements

Product: Promotional CD products automatically renew to a non-promotional CD product upon maturity. Early withdrawal penalties may be imposed and reduce earnings.

Offer: 9 month special. Minimum to open account and earn interest is $500. Automatically renews to a non-promotional CD product.

Requirements

Product: Minimum balance of $500 required to open and earn interest. Membership eligibility applies. Early withdrawal fee applies if funds are accessed prior to maturity. Funds roll over into the same or most similar term at maturity unless specified at account opening.

Offer: Promotional Rate

Requirements

Product: $500 minimum balance/opening deposit. Full balance withdrawal permitted penalty-free beginning 7 days after funding date (no partial withdrawals; account will be closed upon withdrawal). No additional deposits permitted once balance reaches $500. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.

Offer: $500 minimum to earn stated APY. Withdrawal of full balance permitted starting 7 days after funding date. Maximum balance limits apply.

Requirements

Product: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits. Early withdrawal penalty may apply. Limited time offer.

Offer: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits.

Requirements

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

Requirements

Product: Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.

Offer: NEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies.

Requirements

Product: Special 12-month certificate account. Every $25 deposit made (up to $250 per month) gives a chance to win monthly and quarterly cash prizes (up to 10 chances per month). Additional deposits permitted throughout the term. Dividends compounded and credited monthly. Early withdrawal penalty may reduce earnings.

Requirements

Product: Membership eligibility required. Dividends compounded at maturity. Early withdrawal forfeits earned dividends while principal balance remains intact.

Offer: Dividends compounded at maturity. Early withdrawal forfeits earned dividend.

Requirements

Product: Membership and eligibility required. Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.

Offer: Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.

Requirements

Product: Minimum $500 to open account and maintain daily to obtain the disclosed APY. Maximum deposit to open is $1,000,000. Must be a U.S. Citizen and 18 years or older. Early withdrawals before maturity date are subject to penalties.

Offer: Must maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal.

Requirements

Product: Interest is compounded daily and paid at maturity. Early withdrawal penalty applies.

Offer: Early withdrawal penalties may apply. Interest compounded daily and paid at maturity.