Best CD rates and certificates

Requirements

Product: A penalty is imposed for early withdrawal prior to the maturity date. CDs automatically renew.

Offer: Penalty for early withdrawal.

Requirements

Product: Interest compounds monthly. Can be paid via check or deposit into Community Interest Checking Account. Penalty may be imposed for early withdrawal.

Offer: Term: 8 Month Promo. A minimum opening deposit of $5,000 in New Money must be deposited in the Certificate of Deposit account to receive the promotional interest rate. New Money is defined as money that has not been on deposit in any Community State Bank account within the last 30 days. $5,000 minimum balance must be maintained daily to obtain the special rate. Penalty may be imposed for early withdrawal.

Requirements

Product: $1,000 minimum investment amount. 30 day–5 year terms available. Fees are assessed on early withdrawals or premature closing.

Offer: CD Special. A minimum deposit of $1,000 is required to receive the promotional rate. Upon maturity, automatically renews into the closest preceding term unless other instructions are provided. Not available for brokered deposits or for non-customers outside market area.

Requirements

Product: Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.

Requirements

Product: Must meet credit union membership eligibility requirements. Minimum balance required. Early withdrawal penalties apply.

Requirements

Product: $500 minimum deposit. Early withdrawal penalty applies. Dividends compounded and credited monthly. Some certificates may not be available for online opening.

Offer: $500 minimum deposit to open account and earn APY. A penalty will be imposed for early withdrawal. Dividends compounded and credited monthly.

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

Requirements

Product: $500 minimum to open; no monthly maintenance fees; interest compounded and credited quarterly; early withdrawal penalties apply.

Offer: New money only. Promo.

Requirements

Product: Promotional certificate offers available for a limited time. Requires eligibility for credit union membership. Minimum opening deposit of $500.00 with a maximum balance of $100,000.00. Limit one certificate per member, per SSN. Certificate does not renew automatically at maturity; at the end of the term, balance automatically transfers to the membership share account. Early withdrawal penalty applies.

Offer: Promotional rate available to members with an active checking account, defined as one with full direct deposit each month.

Requirements

Offer: Under $50,000 (Dividends Paid at Maturity)

Requirements

Product: Offered under the Laurel Honors Program for qualifying community members. Early withdrawal penalty applies.

Requirements

Product: Must purchase and maintain the minimum required share(s) ($5.00 par value, 1 share) and pay a nonrefundable membership fee of $5.00. Dividends compounded and credited quarterly.

Offer: Fixed rate; dividends compounded quarterly, credited quarterly; not automatic renewal; early withdrawal penalty applies.

Requirements

Product: No setup or maintenance fees. Early withdrawals subject to penalty. Certificate Loyalty Reward: up to 0.25% APY increase for membership tenure of 5 years with checking account and direct deposit of $500+ (maximum interest increase: 0.25%). Non-member deposits must be approved by Executive management and are subject to a 0.25% APY decrease.

Offer: Dividends paid quarterly.

Requirements

Product: Compounded and credited quarterly except for 6 month term which compounds/credits at maturity. Minimum opening deposit/investment of $500 required to open and earn stated APY ($1,000 for 7-month promo). Penalty for early withdrawal may reduce earnings. Membership eligibility required.

Offer: Special Promo Share Certificate. Requires $1,000 new money. A minimum balance of $1,000 must be maintained to maturity to earn the stated APY. $250,000 maximum investment per member. Cannot be combined with any other offer. Offer may be discontinued at any time. Compounding/crediting quarterly or at maturity per disclosure schedule. Additional deposits not allowed.