Best CD rates and certificates

Requirements

Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.

Offer: Platinum relationship tier

Requirements

Product: TruStone Financial membership required. Standard opening minimum deposit is $500 unless otherwise noted. Dividends calculated by daily balance method and compounded/credited quarterly and at maturity. Early withdrawal penalties apply.

Requirements

Product: Penalties may be imposed on early withdrawals. Fees may reduce earnings. Deposits are fully insured by FDIC and DIF. Rates are subject to change without notice.

Requirements

Product: A penalty may be imposed for early withdrawal

Offer: A penalty may be imposed for early withdrawal

Requirements

Product: 3 Month to 60 Month Term CD's Available. Substantial penalty on early withdrawal – Fees May Reduce Earnings. Call for all other terms/rates.

Offer: Quarterly compounding. Substantial penalty on early withdrawal – Fees May Reduce Earnings.

Requirements

Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.

Requirements

Product: $2,000 minimum. Rates advertised as high as. Effective October 7, 2026.

Offer: $2,000 minimum. Effective October 7, 2026.

Requirements

Product: Penalty for early withdrawal. Interest is compounded quarterly. The Annual Percentage Yield assumes interest remains on deposit for one year. Periodic interest checks and transfers available.

Offer: Quarterly compound.

Requirements

Product: Must be or become a member to establish any of the above accounts. Minimum of $500 required for all Certificates. Penalty for early maturity of CD is 3 months interest.

Requirements

Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.

Requirements

Product: CD minimum to open and earn APY in branch is $500. Minimum to open and earn APY online is $1,000, except featured 8-month term which is $10,000 online.

Offer: CD Special. Offers require new money - funds not on deposit at Civista. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online).

Requirements

Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.

Requirements

Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.

Offer: Interest paid quarterly.

Requirements

Product: Minimum balance to open is $1,000.00. No deposits can be added. Early withdrawals of principal prior to maturity date will result in substantial penalties and account closure. Interest credited at maturity on CDs less than 12 months; quarterly compounding on accounts 12 months and over. Fees may reduce earnings.

Offer: Quarterly compounding. Fees may reduce earnings.

Requirements

Product: $500 minimum deposit to open (unless specified in another term or special). Additional deposits of at least $100 can be made on certificates with a term of 1 year or less and on our 13-month Flex Special. Dividends are earned and posted monthly. All certificates will automatically renew at maturity. Early withdrawal penalty: 90 days of dividends for terms 1 year or less; 180 days of dividends for terms over 1 year (no penalty for 13-month Flex Special). Dividends are available for withdrawal at any time. Specials are offered for a limited time only and may end at any time without prior notice.

Offer: Early withdrawal penalty: 180 days of dividends.