Best CD rates and certificates

Requirements

Product: All Certificates are subject to penalties for early withdrawals or close-outs. All Certificates will renew as a new CD of the same type unless otherwise stated.

Offer: Interest Paid Quarterly. Early Withdrawal Penalty of 3 Months Interest.

Requirements

Product: Not available for Retirement Funds. Fees may reduce earnings. Minimum balance is $0.01 to earn interest. At maturity, will be automatically renewed into a 1 Year CD. Penalty may be imposed for early withdrawal of principal. All quoted rates are subject to change without notice. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account. Maximum deposit is $250,000.00. During the initial term, you may make the following transactions on your account before maturity: Two (2) deposits not to exceed a total deposit balance of $250,000.00 and/or Two (2) penalty free withdrawals of principal, one of which may be used to bring the account balance to zero and close the account. In the event you make a withdrawal from your account, the withdrawal cannot be made until the seventh day after any deposit or partial withdrawal.

Offer: Not available for Retirement Funds. Maximum deposit is $250,000.00. During initial term, allowed two deposits (up to $250,000 max total balance) and/or two penalty-free principal withdrawals (subject to 7-day waiting period after any deposit or partial withdrawal). Renewed into a 1 Year CD at maturity. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account.

Requirements

Product: Available only online. Penalty for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance required during each monthly cycle period to earn interest/APY.

Requirements

Product: Fixed rate with unlimited deposits. New money only to open unless Freedom Ultra checking holder. Washington Trust checking account required. No municipal/government funds or IRA. Open online, in branch, or by phone.

Offer: Fixed rate with unlimited deposits before maturity (ACH, wire, ATM deposits not allowed). New money only to open; Freedom Ultra checking may use existing funds. Washington Trust checking account required. No municipal, government funds, or IRA.

Requirements

Product: Minimum deposit and balance required. Withdrawal penalty applies.

Requirements

Product: Minimum balance to earn stated APY $0.01. Minimum deposit to open account is $500.00. Early withdrawal penalties will be imposed and early withdrawals reduce APY earned. Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Promotional offer may be withdrawn at any time. Can be opened at branch locations, not online. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. A personal checking account (new or existing) must be open and have monthly direct deposit established to obtain the 7 Month Statement CD. Account will renew into a 6 Month CD at end of term.

Offer: A personal checking account (new or existing) must be open and have monthly direct deposit established. Must be opened with new funds. In-branch opening only.

Requirements

Product: Start investment with as little as $500. Rates subject to change without notice and may change monthly. Fees may reduce earnings. A penalty may be imposed for early withdrawal.

Requirements

Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Minimum to open is $1,000.00. Statements mailed quarterly, dividends post monthly, calculated on average daily balance. Guaranteed yields backed by NCUA up to $250,000.

Requirements

Product: Promotional offer may be withdrawn at any time. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. Can be opened in-branch or online. Account will automatically renew into a 3 Month Statement CD at maturity. Early withdrawal penalty applies (30 days interest on principal amount withdrawn).

Offer: Must be opened with new money (funds from an existing BankFive account will not be accepted). Up to $1,000,000 maximum deposit for promotional rate.

Requirements

Product: Early withdrawal penalty may apply. $1,000 minimum balance to open.

Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.