Best CD rates and certificates

Requirements

Product: Penalty for early withdrawals may apply. Certificate dividends are paid at maturity. No setup or maintenance fees.

Offer: Fixed type. Dividends paid at maturity. Penalty for early withdrawal may apply.

Requirements

Product: Penalty for early withdrawal may apply. Certificate dividends are paid at maturity.

Offer: Fixed rate. Min deposit $1,000. Min balance $1,000.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.

Offer: Add more money once per term.

Requirements

Product: Allows a penalty-free, one-time withdrawal for up to 50% of the balance during the certificate term (after the first six days). Standard penalties apply to other withdrawals.

Offer: After the first 6 days, one withdrawal of up to half of current balance without early withdrawal penalty. Standard penalty is 90 days dividends.

Requirements

Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.

Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.

Requirements

Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.

Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.

Requirements

Product: Dividends compounded daily or monthly, credited monthly. Early withdrawal penalty applies. Automatic renewal with a 7-day grace period. Bump rate feature available on 12-month CDs (excluding jumbo/promotional rates). Add-on feature available for terms of 12 months or less (minimum add-on $100, excluding jumbo CDs). $100 minimum deposit to open for minors. No setup or maintenance fees.

Offer: Additional deposits allowed (minimum add-on $100, total add-on deposits may not exceed original opening balance). Early withdrawal penalty: 90 days dividends. Automatic renewal with 7-day grace period.

Requirements

Product: Fixed rate for term. Early withdrawal penalty may apply.

Offer: 6 Mo. CD term. Compounded monthly.

Requirements

Offer: Early withdrawal penalty - 6 months interest. Quarterly dividends are deposited to the account of your choice.

Requirements

Product: Offer only available to consumer accounts for a limited time only; business accounts are not eligible. Minimum balance $1,000. CD allows two (2) additional deposits to be added at any time prior to maturity with a maximum limit of $100,000 for additional funds. At maturity, unless directed otherwise during the 10-day grace period, the promotional 17-month add-on certificate will renew into a standard 18-month certificate which does not allow additional deposits during the CD's term. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Offer not eligible for Salal Rewards Points. Salal Credit Union membership required.

Offer: Promotional add-on CD. Allows 2 additional deposits prior to maturity up to $100,000 maximum additional funds. Renews into standard 18-month certificate at maturity. Early withdrawal penalty may apply. Not eligible for Salal Rewards Points.

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: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. One-time rate bump upon request to current Flex Certificate rate. One-time withdrawal allowed during term without reducing balance below $2,500 minimum. Unlimited add-on deposits. Compounded monthly. Early withdrawal penalties apply.

Requirements

Product: Gives a one-time option to increase dividend rate if rates go up. Allows a one-time additional deposit or withdrawal during the term (limits apply). Premier Plus Checking members receive a 0.25% APY certificate rate bump valid on new certificate accounts (must maintain Premier Plus).

Offer: One-time option to increase dividend rate if rates rise; one-time additional deposit or withdrawal permitted during term subject to limits.