Best CD rates and certificates

Requirements

Product: Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.

Requirements

Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.

Offer: APY 4.05% with $500 minimum opening.

Requirements

Product: CD earning rates are fixed. A penalty will be imposed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months).

Offer: Early withdrawal penalty is 180 days of interest.

Requirements

Product: Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.

Offer: Disclosed dividend rate 3.97%. 5 Year term.

Requirements

Product: Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100). Rate remains the same throughout the term. Automatically renews unless different option selected.

Offer: Explorer's Club members have a minimum of $100.

Requirements

Product: Membership eligibility required. Minimum opening deposit amount starts at $1,000.00. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding.

Offer: Early withdrawal penalty: 450 Days Dividends.

Requirements

Product: The minimum balance required to open and maintain this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. There is a penalty for early withdrawal.

Offer: Dividends paid quarterly. Early withdrawal penalty is 365 days.

Requirements

Product: A wide range of terms available (from 1 week to 5 years). Renews automatically upon maturity after a 10 day grace period for terms of 182 days or longer. Early withdrawals subject to penalty. No setup or maintenance fees.

Requirements

Product: Penalty for early withdrawal. $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time.

Requirements

Product: Fixed term interest rates. Penalty may be imposed for early withdrawal. Terms available from 6 to 60 months (and 3 months on rate chart).

Offer: A penalty may be imposed for early withdrawal.

Requirements

Product: Fees may reduce earnings. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.

Offer: Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal.

Requirements

Product: Upon maturity, 10 calendar days grace period to withdraw funds or CD automatically renews. Early withdrawal penalties and other fees may apply.

Offer: Daily balance method to obtain APY.

Requirements

Product: Must meet field of membership requirements and pay a one-time non-refundable membership fee. Must maintain regular share savings account ($25 par value share). Minimum balance to open ranges from $500 to $1,000; must maintain minimum daily balance to earn APY. If balance falls below, certificate will be cancelled and balance transferred to regular share savings.

Requirements

Product: Membership requires a $10.00 membership share account ($25 stated on product overview). Rate premium of 10 basis points available if balance at opening is $250,000 or greater (or for Member's Choice program); maximum combined rate premium up to 20 basis points. Early withdrawal penalty applies.