Best CD rates and certificates

Requirements

Product: Available only on new money deposited to UCU (money not currently or previously held in a UCU account). Renews as a 6-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Offer: Available only on new money deposited to UCU. Renews as a 6-month certificate. No maximum deposit.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

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

Requirements

Product: Early withdrawal penalty may apply.

Requirements

Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.

Requirements

Product: A penalty may be imposed for early withdrawal.

Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.

Requirements

Product: Dividends are calculated by the average daily balance method and paid monthly. A penalty is imposed for early withdrawal. Requires a minimum balance of $500.

Requirements

Product: Limited time offer while quantities last. No prior relationship requirement. Not eligible for CD Rate Boost Program. Total promotional certificates may not exceed $500,000 per member. After start, no additional deposits allowed. At maturity, funds transfer to regular 6-month or 12-month regular/jumbo certificate as applicable.

Offer: Renews/transfers at maturity to a regular 6-month certificate.

Requirements

Product: Lock in a fixed rate for the entire term.

Offer: Fixed rate for the entire term.

Requirements

Product: Minimum required to open a CD is as low as $500. Maturities vary from 3 months to 60 months. Penalties and/or fees may be incurred for withdrawals prior to maturity.

Offer: Fixed Rate Certificate

Requirements

Product: Dividends compounded and credited monthly. Par value of one share is $25.00 for membership.

Offer: Limited-time promotion. Available for members with: a) current America's CU checking account, b) minimum $10,000 to existing CU funds if no checking account, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days.

Requirements

Product: Membership required ($5 minimum share). Minimum opening deposit of $500 must be maintained throughout the term. Fixed rate for the term of the certificate. Dividends paid monthly or quarterly. Early withdrawal penalties apply.

Offer: Limited-time offer. Special promotional rate applies to new money only (funds transferred from another financial institution / new to Essential).

Requirements

Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.

Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.

Requirements

Product: Membership required. Limit one 10-Month Flex certificate per member. Requires new money from outside SkyOne. Starting day 7, allows penalty-free and fee-free daily withdrawals of up to 50% of start of daily balance as of 12:00 AM; withdrawals bringing balance below $1,000 terminate the account. Additional deposits permitted anytime prior to maturity. Renews automatically into standard 11-month Liquid Certificate at maturity.

Offer: New money only. Minimum opening balance and minimum balance to earn advertised APY is $1,000.

Requirements

Product: Available only on new money deposited to UCU (money not currently or previously held in a UCU account). Special Promotional certificate will renew as a 12-month certificate at the available rate for the product at that time. Offer scheduled to end October 27, 2026. No maximum deposit amount. Early withdrawal penalties apply.

Offer: Special promotional rate available only on new money deposited to UCU. Renews as a 12-month certificate. Scheduled to end on October 27, 2026. No maximum deposit.