Best CD rates and certificates

Requirements

Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.

Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Requirements

Product: Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.

Requirements

Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.

Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.

Requirements

Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.

Requirements

Product: Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.

Offer: Each Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application.

Requirements

Product: No service fees. In branch opening option available. Interest compounded daily.

Requirements

Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.

Requirements

Product: High-Yield Rewards Checking Account required.

Offer: High-Yield Rewards Checking Account required.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: A $5,000.00 minimum balance is required to receive a monthly interest check or have monthly interest transferred to another WFS account. Once opened, additions are not permitted until maturity. Early withdrawal penalty: 3 months interest on terms less than 1 year; 6 months interest on terms 1 year and over. Automatically renews with a 7-day grace period.

Offer: Special offer.

Requirements

Product: Available for a limited time. Promotional rate good for initial term only. At maturity, account automatically renews into a standard term certificate for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.

Offer: 6-Month Add-On Promotional Share Certificate. Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

Requirements

Product: Promotional rate excluded from Member Appreciation Program. Early withdrawal penalty may be imposed. Renews at current rate upon maturity. Membership share of $5.00 required.

Offer: Promotional rate accurate as of October 1, 2026; available through October 31, 2026. Excluded from Member Appreciation Program. Requires minimum deposit of $500.

Requirements

Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.

Offer: Member Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.

Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: FDIC insured up to $250,000. Early withdrawal penalty of 90-day loss of interest. Automatic renewal at maturity with a 10-day grace period. Fixed rate.

Offer: Assumes interest and principal remain on deposit until maturity. Early withdrawal penalty of 90-day loss of interest.