Best CD rates and certificates

Requirements

Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months (once during term). Child CDs for members under 18 may be opened with a minimum of $100.

Requirements

Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months (once during term). Child CDs for members under 18 may be opened with a minimum of $100.

Offer: Jumbo

Requirements

Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.

Offer: Penalty with early withdrawal.

Requirements

Product: Membership eligibility required. Early withdrawal penalty may apply. Certificates automatically renew at maturity.

Offer: Assuming dividends remain on deposit for the full term.

Requirements

Product: CD Special compounds quarterly and credits interest quarterly. A $5,000 minimum balance is required. Penalty may apply for early withdrawal (1 year or less: 3 months interest; more than 1 year: 6 months interest). 10 calendar days grace period after maturity.

Requirements

Product: A $1,000 deposit is required to open a regular CD. Interest is paid quarterly and can be compounded, deposited to a checking or savings account, or paid by check. Withdrawals prior to maturity are subject to an early withdrawal penalty. Automatically renewable at normal certificate of deposit rate.

Requirements

Product: Earn a bonus on all normal CD rates (excludes special CDs) when you have or open a Home Green, Home Plus or Home Grand 55 checking account. Jumbo rate applies to balances of $100,000.00 and over. Penalty for early CD withdrawal CDs maturing in 1 year or less – penalty is 3 months of interest earned or would have been earned. CDs maturing in over 1 year – penalty is 6 months of interest earned or would have been earned.

Requirements

Product: Dividend period for all accounts is quarterly. A penalty will be imposed for early withdrawal.

Requirements

Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.

Offer: Compounded quarterly

Requirements

Product: Contact bank for current rate and availability. Promotional rate may remain available after expiration date (10/27/2026). Fees or other conditions could reduce earnings on the account. A penalty may or will be imposed for early withdrawal. Certificate will automatically renew with applicable rate at time of maturity.

Offer: Offer ends 10/27/2026. Alternative terms are not permitted.

Requirements

Product: Membership eligibility required. Minimum deposit of $1,000 required to open any Certificate Account. 60 days penalty for early withdrawal.

Requirements

Product: NEW MONEY ONLY. Quarterly dividend transfers to share account, non-automatic renewal, simple interest paid quarterly.

Offer: New money only; interest must be transferred to share account; quarterly dividend transfers; non-automatic renewal; simple interest paid quarterly.

Requirements

Product: Minimum balance to open and obtain APY is $500.

Requirements

Product: Available online or in-branch. FDIC insured up to $250,000 per depositor. Promotional CD rates are valid during the initial term and do not apply to renewals. Early withdrawal penalty applies. Promotional CDs are not eligible for interest checks. Active Thrive Checking account holders can receive a 0.10% (10 basis points) rate increase.

Offer: Limited-time promotional offer. Promotional rate is valid during initial term and does not apply to renewals. No minimum balance to earn the APY. Compounded and credited quarterly. Penalty for early withdrawal. Not eligible for interest checks.