Best CD rates and certificates

Requirements

Product: Penalty for early withdrawal from a certificate of deposit account may be imposed. Fees could reduce earnings on these accounts.

Offer: Dollars for Scholars - 36 Month. $50 minimum add-on amount. Variable rate valid through October 28, 2026.

Requirements

Product: At your discretion, you may change the interest rate on the account one time during the term of the CD based on the current One Community Bank Three Year Options CD rate at the time of the rate request. Additional deposits are allowed with a minimum of $500.00 and an accumulated maximum of $250,000.00. Early withdrawal penalty may apply.

Offer: 3 year 'options' (Promo). If interest rates rise, increase to a higher rate once during your term. Additional CD deposits allowable with a minimum of $500.00 up to a maximum of $250,000.

Requirements

Product: Membership eligibility is required (live, work, or own property in Oneida, Forest, Florence, Vilas, Langlade, Lincoln, or Price County, or immediate family members of current Ripco members) and requires maintaining at least one $5.00 share in regular share savings.

Requirements

Product: Rates are subject to change; yields are guaranteed for the length of the term. A penalty may be imposed for early withdrawal. $1,000 minimum required to open. On maturity date, some certificates renew automatically for the same term at current rate unless instructed otherwise. Available with minor or custodial accounts.

Offer: Dividend period: Maturity. Certificates for $10,000 or more with these terms: add 0.25% to APY.

Requirements

Product: At bank discretion, KeySavings Bank may change interest rates on all interest earnings accounts. Fees may reduce earnings. A penalty may be imposed for early withdrawal from term accounts.

Offer: New Money Only. 8 Month CD. Fixed term certificate, no additions allowed during term. Account closed if balance falls below $1,000. Interest figured on daily balance, credited at maturity, not compounded. Seven calendar day grace period after maturity. Early withdrawal penalty: 3 months interest on amount withdrawn.

Requirements

Product: A penalty may be imposed for early withdrawal (excludes 6-Month CD). Minimum opening deposit of $1,000.

Offer: No early withdrawal penalty.

Requirements

Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.

Offer: Early withdrawal penalty is 90 days' dividends.

Requirements

Product: Must have minimum monthly automatic deposits of $20. IRA & HSA accounts are not available.

Offer: Compounded annually. Requires minimum monthly automatic deposit of $20.

Requirements

Product: Membership eligibility required. NCUA insured. Constant dollar amount invested; no deposits or withdrawals allowed. Early withdrawal penalty applies. Certificate dividends compound monthly. APY assumes dividends remain until maturity.

Offer: Constant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly.

Requirements

Product: Fixed dividend rate. Early withdrawal penalties may apply. Special rates available for CDs of $100,000 or more.

Offer: Paid quarterly

Requirements

Product: Automatically renews for a 12-month term upon maturity at the 12-month fixed rate in effect at maturity.

Offer: Requires maintaining the minimum balance.

Requirements

Product: Fixed rates. No setup or maintenance fees. Early withdrawal penalty applies. Automatically renews unless action taken during 10-day grace period. Interest credited quarterly or at maturity.

Offer: Early withdrawal penalty of 6 months' interest.

Requirements

Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.

Offer: Rewards APY tier.

Requirements

Product: Rates are subject to change without notice. Early withdrawal penalty may be imposed if funds are withdrawn before the maturity date.

Offer: Early withdrawal penalty may be imposed.