Best CD rates and certificates

Requirements

Product: Penalty may be imposed for early withdrawal + $25 Service Fee. Fees imposed could reduce earnings on the account.

Offer: Limited time special. Early withdrawal penalty plus $25 service fee may apply.

Requirements

Product: At the time of your maturity date, please call us at (304) 485-4523 to speak to a Member Service Representative in order to receive the special rate.

Requirements

Product: $1,000.00 minimum balance; early withdrawal penalty may apply. Funds are disbursed to shares at maturity. Dividends are paid monthly, either to an alternate share account or back to the certificate.

Offer: $1,000.00 minimum balance; early withdrawal penalty may apply. Funds are disbursed to shares at maturity.

Requirements

Product: Relationship is defined by having a Main Street Bank checking account with transactions during the last 30 days, or opening a checking account on the same day as opening the Relationship CD. The Bank reserves the right to limit Relationship CD Specials to a maximum deposit amount of $250,000. All Relationship CD Specials automatically renew as a 12 month CD.

Offer: Choose Your Term Relationship CD Special (6 month term). Requires qualifying checking relationship. Automatically renews as 12 month.

Requirements

Product: Promotional rates available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 12 months. Early withdrawal penalty applies.

Offer: Promotional rate available for new money only (money not currently on deposit with the bank). At maturity, automatically renews for a term of 12 months. Early withdrawal penalty applies.

Requirements

Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: 3 Month to 60 Month Term CD's Available. Substantial penalty on early withdrawal – Fees May Reduce Earnings. Call for all other terms/rates.

Offer: Quarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings.

Requirements

Offer: Requires new money from an outside source

Requirements

Product: There is a substantial penalty for early withdrawal. Fixed interest rate for the specified term. FDIC-insured up to $250,000. Fees may reduce earnings.

Requirements

Product: Choose from a variety of maturity options ranging from 91 days to 72 months. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.

Offer: Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: Membership is open to sworn-in members of IBEW Local Union 317 or immediate family members. All accounts opened as Regular Shares with an initial deposit of $5.25.

Offer: Dividends paid monthly.

Requirements

Product: CD Special Rates. Penalty for early withdrawal may apply; withdrawals within first 6 days subject to 7 days' interest penalty. Automatically renews at maturity into a 6-month or 12-month CD depending on initial term. 10-day grace period to withdraw funds without penalty after maturity.

Offer: Initial term 17 months. Must deposit at least $500 to open and maintain $500 daily balance to obtain disclosed APY. Renews as a 12-month CD.

Requirements

Product: $500 minimum deposit to open. Terms available from 6 months to 5 years. Early withdrawal penalty may apply. Fixed rates. No setup or maintenance fees. Dividends may be added back into the account, transferred to another credit union account, or mailed each month.