Best CD rates and certificates

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 for the term of the certificate. Early withdrawal penalty may apply.

Requirements

Product: Penalty for early withdrawal.

Requirements

Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.

Requirements

Product: No setup or maintenance fees. CDs renew automatically upon maturity. Early withdrawals subject to penalty (3 months interest penalty on terms 12 months and under, 6 months interest penalty on terms more than 12 months).

Requirements

Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.

Requirements

Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.

Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.

Requirements

Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.

Requirements

Product: There is no monthly service charge. Guaranteed interest rate for the term of the CD. Interest credited monthly. Principal withdrawn before maturity subject to early withdrawal penalty, unless taking a distribution from an IRA. CDs automatically renew at maturity with a 10-day grace period.

Offer: Limited time only and subject to change without notice.

Requirements

Product: Rates are accurate as of October 5, 2026. Fees may reduce earnings. Rates are subject to change without notification. Certificates of Deposit are subject to a substantial penalty for early withdrawal. Compounding and crediting frequency: Interest may be paid monthly, quarterly, semiannually, or annually by check, direct deposit into another FCB account, compounded, or at maturity if less than 1 year term. Renewal: Account will automatically renew unless otherwise specified.

Offer: **Specials: Pick Your Term

Requirements

Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.

Requirements

Product: Become a Platinum Member and you can earn an additional .15% on any Regular Certificate 12 months or longer. Low Minimum Opening Deposit of $1,000. Early withdrawal penalty may be imposed.

Offer: Choice of 18-month term. Certificate Accounts with terms 12 months or longer are eligible for a .15% rate bonus if you are a Platinum Member. APY calculations based on balances of $10,000 and assumes dividends and principal remain on deposit for the entire term. Dividends compounded and paid monthly. Early withdrawal penalty may apply.

Requirements

Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.

Requirements

Product: Dividends are paid monthly directly into the certificate account. Minimum deposit of $1,000 required to open. Early withdrawal penalty may be up to half of the dividends that would be earned over the full term.

Offer: Dividends are paid monthly.

Requirements

Product: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Select 18-Month CD. Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.