Best CD rates and certificates

Requirements

Product: Dividends paid bi-annually and updated quarterly.

Offer: Dividends paid bi-annually and updated quarterly.

Requirements

Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. No setup or maintenance fees. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest; 12 months to less than 36 months lose 180 days' interest; 36 months or longer lose 270 days' interest.

Offer: Promotional rate requires new money (money not currently on deposit with Capitol Credit Union).

Requirements

Product: Available for consumer and business accounts. Rates and APYs are fixed for the initial term and depend on the balance tier and maturity term selected. Simple interest is earned for terms of 365 days or less (366 days in a leap year); interest compounds annually for terms longer than 365 days unless paid out. Early withdrawal penalties apply.

Offer: Term: 365 Days - 395 Days. Must maintain minimum opening balance daily to earn stated APY.

Requirements

Product: Interest rate is fixed for the full term and earned on the entire balance. Interest compounds quarterly for terms of 12 months and longer; shorter terms pay at maturity. Early withdrawal penalty applies: 7-91 days: 60 days loss of interest; 92-182 days: 182 days loss of interest; 183 to <60 months: 1 year loss of interest; 60 months: 2 years loss of interest.

Offer: 18-Month term.

Requirements

Product: Limited time offer. Member may withdraw or add additional funds during initial term only (maximum of one addition of funds and one early penalty-free withdrawal). Not eligible for businesses or IRA CDs. Membership required with $1 minimum opening deposit for savings account.

Offer: Limited to a maximum of one addition of funds and one early penalty-free withdrawal during initial term only. Not eligible for businesses or IRA CDs.

Requirements

Product: Share/Savings account required for membership ($25 minimum balance).

Requirements

Product: Renews as a 24-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Offer: Renews as a 24-month certificate. No maximum deposit.

Requirements

Product: Variable Rate - Member has discretion. Rate can be increased one time when the Certificate Account 2-year term rate exceeds the Flex Certificate initial rate. Not automatically renewable.

Offer: Additional deposits not allowed. Early withdrawal penalty applies (terms of more than 12 months: 180 days' dividends). Not automatic renewal.

Requirements

Product: Membership in Telco Plus Credit Union is required. Dividend rate is fixed for the term after opening. A penalty is imposed for early withdrawal.

Offer: 90-day penalty for early withdrawal.

Requirements

Product: Federally insured up to $250,000 by NCUA. Penalties may be imposed for early withdrawal. Opening deposits range from $2,500 – $250,000. Option to have interest deposited directly into USECU checking or savings account.

Requirements

Product: All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.

Offer: Standard Certificate tier. Daily balance method.

Requirements

Product: Penalty may apply for early withdrawal.

Offer: Dividends Paid: At Maturity.