Best CD rates and certificates

Requirements

Product: Dividends are posted monthly based on the average daily balance. Early withdrawal penalties apply. Insured up to $250,000 by NCUA.

Requirements

Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.

Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.

Requirements

Product: All rates and yields stated are accurate as of September 1, 2026 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened. 50% New Money required for 9 Month Term Certificate.

Offer: 50% New Money

Requirements

Product: Minimum deposit on all Share Certificates is $500.00. Share Certificates will automatically renew for the original term at the stated rate in effect at the time of renewal. Early withdrawal penalties: For terms less than one year, penalty equivalent to one month's accrued interest; for terms of one year or more, penalty equivalent to three months of accrued interest.

Requirements

Product: Minimum deposit $1,000.00/Rates & Terms vary

Offer: SPECIAL CD; Upon maturity, CD will automatically renew at standard 12 month rate. Not valid with any other offer.

Requirements

Product: CDs require a $500.00 minimum investment/deposit. Terms range from 6 months to 4 years.

Requirements

Product: Penalty may be imposed for withdrawals before maturity. Annual Percentage Yield based on monthly compounding. Minimum balance not required to maintain APY.

Requirements

Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.

Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.

Requirements

Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.

Requirements

Product: Promotional APYs available. Offers include 19 month term. Renewal at maturity unless notice given.

Offer: Offer effective beginning October 16, 2026. Promotional APY. Offer valid for Business Certificates, Consumer Certificates, and Traditional IRA Certificates.

Requirements

Product: Fixed rates with terms from 3 to 60 months. Penalty for early withdrawal applies (charged only on principal withdrawn: 3 months earnings if term < 1 year, 6 months earnings if term 1 to < 3 years, 12 months earnings if term >= 3 years; waived upon death). Interest earned may be withdrawn without penalty at any time during current term.

Offer: 20 Month Rising Rate CD. The rate may change after the account is opened. A penalty may be imposed for early withdrawal.

Requirements

Product: Membership eligibility and requirements apply. Fees may reduce earnings. Certificate interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. Fixed interest rates for the term of the Certificate. Early withdrawal penalty applies (smaller of interest since issuance/renewal or 180 days of interest). Unless otherwise stated, certificates automatically renew at maturity to the rate effective at that time. Minimum balance / opening minimum is $100.