Best CD rates and certificates

Requirements

Product: Rates are fixed once opened and guaranteed only if funds remain on deposit for the full term. Early withdrawals not allowed within first 90 days; after 90 days, early withdrawals require bank approval and incur a penalty. Balance of $500 required to obtain disclosed APY. Funding available exclusively via ACH transfer.

Offer: Balance of $500 required to obtain APY.

Requirements

Product: Penalty for early withdrawal on Certificates of Deposit. Rates are effective for a limited time only. Fees could reduce earnings.

Requirements

Product: Fixed-rate CDs under $3,000,000. Not available for Individual Retirement Accounts (IRAs). Early withdrawal penalty may apply. Fees could reduce earnings. Bank reserves the right to decline or limit deposits. Minimum deposit to open is $1,000 to $10,000 depending on term.

Offer: Assumes interest and principal remain in account until maturity. Under $3,000,000. Not available for IRAs. Penalty for early withdrawal.

Requirements

Product: Early withdrawals are subject to loss of dividends up to 90 days. Certificate rates are fixed for the certificate term and automatically renewed at maturity date unless prior notice is given.

Offer: Early withdrawals are subject to loss of dividends up to 90 days.

Requirements

Product: Limited-time offer for new deposit customers, loan-only customers, or employees of OceanFirst Bank. Requires new money not currently on deposit at OceanFirst Bank. Automatically renews for a 9-month term at published non-special rate. Penalty for early withdrawal may apply. Government accounts excluded.

Offer: Standard tier for 9 Month CD Special without qualifying checking account. Requires $5,000 minimum new money to open and $100,000 maximum funding.

Requirements

Product: Available to both new and existing members. New money only; only funds not currently on deposit with REGIONAL are eligible. Funds withdrawn and re-deposited within 30 days of the new certificate open date do not qualify as new money. Early withdrawal penalty may be imposed. Fees may reduce earnings. Membership eligibility requirements apply.

Offer: New money only. Available to new and existing members. Funds withdrawn and re-deposited within 30 days of open date do not qualify.

Requirements

Product: Membership at Bayou Community FCU is open to anyone who lives, works, worships, or attends school in St. Gabriel and surrounding areas.

Offer: CD SPECIAL; New Money Only; Pays Monthly.

Requirements

Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.

Offer: Certificate special. Limited time special! Penalty for early withdrawal.

Requirements

Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.

Offer: Minimum amount $500.00.

Requirements

Product: $500 minimum balance required to open account and earn posted dividend. Dividends paid monthly based on Average Daily Balance. Account automatically rolls over at maturity. Early withdrawal penalty equals 6 months (180 days) dividends.

Offer: Outside Funds

Requirements

Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).

Offer: Loyalty Program Silver Tier (Base + 0.30% IR)

Requirements

Product: Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate. Automatic renewal upon maturity for the standard rate and term. Early withdrawal penalties may apply.

Offer: Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate. Early withdrawal penalties may apply.

Requirements

Product: Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.