Best CD rates and certificates

Requirements

Product: A penalty may be imposed for early withdrawal

Offer: A penalty may be imposed for early withdrawal

Requirements

Product: CDs will automatically renew at maturity unless otherwise instructed. Early withdrawal penalties may apply. Fees may reduce earnings. Interest is compounded and credited quarterly.

Offer: Minimum opening deposit of $1,000 is required to open the account and earn the stated APY. Interest compounding available for either six or thirteen month terms.

Requirements

Product: $500 minimum to open. Interest is compounded daily. Early withdrawal penalties apply. Special CD rates effective for initial term only; automatically renews at base non-special rate in effect at maturity. Fees may reduce earnings.

Offer: Special CD rate effective for the initial term only. Automatically renews at the base non-special rate in effect at maturity for corresponding original term. Minimum opening deposit to open and maintain stated APY is $500.00. Interest compounded daily. Penalty for early withdrawal. Fees may reduce earnings.

Requirements

Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.

Requirements

Product: Dividends on Share Certificates are paid monthly. Substantial penalties may apply for early withdrawal of funds from term accounts. Fees could reduce earnings or principal.

Offer: Minimum $1,000.00 to open. Dividends paid monthly. Substantial penalty for early withdrawal.

Requirements

Product: Fixed-term share certificate. Early withdrawals subject to penalty. No setup or maintenance fees.

Offer: Minimum deposit $500. Early withdrawal subject to penalty.

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: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.

Offer: Early-withdrawal penalties may apply. Dividends credited monthly.

Requirements

Product: Potential members must qualify for membership: live in Box Elder or Cache County, have an immediate family member with an account, or work at a Select Employee Group (SEG). If opting for the one-time bump option, original CD rate will be 0.25% lower than stated. Dividends pay quarterly. Penalties for early withdrawal may apply.

Offer: Dividend pays quarterly. Early withdrawal penalty may apply.

Requirements

Product: Early withdrawal penalty applies. Minimum opening deposit $500; minimum balance to earn APY $500. Maximum deposit $250,000.00. Account owner under 16 must be joint with parent/guardian. Fees could reduce earnings.

Offer: Yield assumes reinvestment of principal and interest. Subject to early withdrawal penalty.

Requirements

Product: Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.

Requirements

Product: Membership required. Insured by NCUA.

Offer: Early withdrawal penalty applies (terms of 12 months or less: 60 days' dividends).