Best CD rates and certificates

Requirements

Product: $1,000 minimum deposit required to open. Early withdrawal penalty applies. Term lengths from 90 days to 60 months.

Offer: New money required (funds not already on deposit at b1BANK). Early withdrawal penalty applies.

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.

Requirements

Product: Fixed rate for the entire 11-month term. Beginning 7 days after funding date, full account balance may be withdrawn without penalty. Additional deposits during term are generally not permitted. Automatically renews into an 11-month term CD at maturity.

Offer: Promotional rate. Minimum deposit of $1,000 required to open. Full balance withdrawal permitted penalty-free starting 7 days after funding.

Requirements

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

Requirements

Product: Must be opened online and eligible only to those 18 years of age or older. Additional deposits allowed during the term ($25 minimum). Early withdrawal penalty applies.

Offer: Fixed interest rate. Additional deposits allowed with $25 minimum.

Requirements

Product: Minimum balance $1,000.00. Automatic renewal at end of term with a 10-day grace period. Early withdrawal penalty applies (terms of 1 year or less: 90 days loss of dividends; terms greater than 1 year: 180 days loss of dividends).

Requirements

Product: Dividends earned monthly; fixed rate for term.

Requirements

Product: Open to new and existing customers. A penalty for early withdrawal may/will be imposed. Fees may reduce earnings. $1,000 minimum balance required to earn the APY.

Offer: 12-month term. Early withdrawal penalties will/may be imposed.

Requirements

Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.

Offer: Minimum balance of $500 required to obtain advertised APY. Funds may be added during term.

Requirements

Product: CRCU membership required. One rate bump up allowed during the term of the certificate at prevailing CRCU rate on that product with no fee. You may add money anytime up to $10,000.00. Rates available for new money and money currently on deposit. Does not apply to existing certificates or IRA/HSA CDs. Penalty for early withdrawal. After promotional period ends, 12-month CD renews at 12 months and 24-month CD renews at 24 months as standard Certificate.

Offer: One rate bump up allowed during the term to the prevailing CRCU rate. After the promotional period ends, renews into standard 12-month Certificate.

Requirements

Product: Offer runs through October 31, 2026. Rate subject to change. Penalty for early withdrawals.

Offer: Limited time offer through October 31, 2026. Penalty for early withdrawals.

Requirements

Product: One of the following options may be used one time during term: bump up rate when rates increase (requires adding min 10% of original CD balance), add money to existing CD (min $500), or withdraw up to 25% of balance without penalty maintaining minimum balance.

Requirements

Product: All Term Share Accounts require a $500.00 minimum balance to open. Jumbo Term Share Accounts ($100,000.00 minimum deposit) earn 0.15% dividend rate above standard Term Share Accounts dividend rate (Simple Interest) when opened new or at renewal. Early withdrawal penalties apply (loss of dividends on amounts withdrawn that would have accrued over 50% of the remaining term). Automatically renews upon maturity.

Offer: 12 Month Term Share Account.

Requirements

Product: Compounding monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Early withdrawal penalty applies. Minimum balance for kids/Youth Certificates is $500.00. Jumbo Certificates: $90,000 minimum; rates vary.

Requirements

Product: Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.

Offer: Term is 365 Days (1-Year). Early withdrawal penalty: 30 Days Dividends.