Best CD rates and certificates

Requirements

Offer: Dividends paid quarterly.

Requirements

Product: Fixed rate for term. Penalty for early withdrawal is equivalent to 180 days (6 months) interest on the amount withdrawn. Fees could reduce earnings.

Requirements

Product: Dividends compounded and paid quarterly. Early withdrawal penalty is 90 days dividends. Automatic renewal upon maturity with a 10-day grace period.

Requirements

Product: No monthly fee. Withdraw your money at any time and pay no penalties.

Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.

Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: Fixed rate for initial term. After account start, additional deposits not permitted. Early withdrawal penalties apply.

Requirements

Product: Dividends calculated by applying a daily periodic rate to the daily balance; paid monthly. Penalty may be imposed for early withdrawal.

Requirements

Product: All certificates of deposit automatically renew. Subject to early withdrawal penalties. Paid disclosed rate until first maturity. Dividends calculated by daily balance method. No additions permitted after opening until maturity date.

Offer: Subject to early withdrawal penalties. Automatically renews.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Product: The Annual Percentage Yield is expressed as an annualized rate, based on a 365-day year, Simple Interest, and is effective only when interest is credited quarterly. Substantial penalty for early withdrawal from Certificates of Deposit Accounts.

Offer: 18 Month term

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Automatic renewal at prevailing rate. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Interest rate and APY may change after account opening.

Offer: 5 Year term.

Requirements

Product: Fixed rate with option to bump up dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends compounded and paid monthly. Early withdrawal penalty may apply.

Requirements

Product: Start with just $500; terms from 6 to 60 months; certificates automatically renew at maturity unless chosen to withdraw funds. Early withdrawal penalties apply to term certificates.

Offer: Minimum balance to earn stated rate is $500. Early withdrawal penalties apply.