Best CD rates and certificates

Requirements

Product: Limited-time special. Minimum deposit of $1,000 required. Additional 0.25% rate increase (earning 4.06% APY) available when paired with a qualifying F&M Bank primary checking account (Money Market Accounts do not qualify). Early withdrawal penalties may apply.

Offer: Requires pairing with a qualifying F&M Bank primary checking account. Money Market Accounts do not qualify.

Requirements

Product: Rates as of: October 9, 2026. Rates are subject change, for the most current rates please contact us at 434.369.3000. A penalty will be imposed for early withdrawal (except No Penalty). Interest rate and APY may change after opening. Daily balance calculation. Fees could reduce earnings.

Offer: 5 Year CD. Early withdrawal penalty applies.

Requirements

Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.

Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.

Requirements

Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited monthly for terms 1 year or more. Fixed rate.

Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.

Requirements

Product: Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.

Offer: Dividends are compounded and credited quarterly and at maturity.

Requirements

Product: Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Limited-time offer. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.

Offer: Early withdrawal penalty is 180 days of dividends.

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

Product: $500 minimum balance. Dividends and principal assumed to remain on deposit until maturity; early withdrawal subject to penalty. No monthly maintenance fee.

Requirements

Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.

Offer: Requires $10,000 minimum balance in new money to the bank.

Requirements

Product: $500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum). Standard Certificates include: 12-month, 24-month, 36-month, 48-month, and 60-month terms. All other certificates are special. Member has option to bump up rate one time during term on 40-month certificate. Withdrawals before maturity may impose penalty/closure.

Offer: To qualify for 8-month certificate rate of 4.00% APY, member must have direct deposit to any 1st Advantage checking account. Additional offers may not be combined. Not available on IRA Certificates. Withdrawals before maturity may impose penalty/closure.

Requirements

Product: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.

Offer: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.

Requirements

Product: Includes a special penalty-free offer after six days of opening, not available for rollover at maturity. When this Certificate matures, the funds and dividends will automatically be renewed to the next shortest-Term Certificate offered, which may include withdrawal penalties. You can prevent renewal if you mail notice to us at least 30 calendar days before maturity. Minimum deposit to open is $1,000.00.

Offer: Penalty-free withdrawal allowed after six days of opening. Automatically renews at maturity to next shortest-Term Certificate offered unless 30 days notice is given.

Requirements

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

Requirements

Product: Interest is compounded and paid quarterly. Penalty for early withdrawal; early withdrawal fees could reduce earnings. Valid for consumer and commercial customers with or without a full relationship.

Offer: Interest is compounded and paid quarterly. There is a penalty for early withdrawal. Early withdrawal fees could reduce earnings. 12-month CD offer is valid for consumer and commercial customers with or without a full relationship.