Best CD rates and certificates

Requirements

Product: No setup or maintenance fees. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless noted. Penalty for early withdrawal. Option CD offers a one-time rate change and a one-time opportunity to add additional funds during the term.

Requirements

Product: Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.

Offer: Penalty for early withdrawal and/or restrictions may apply. Fees could reduce earnings.

Requirements

Product: Early withdrawal of funds is subject to penalty. Rate is based on term length.

Offer: Compounded at maturity.

Requirements

Product: Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.

Requirements

Product: Save to Win program; $25 deposit into Save to Win account for prize drawings. Rates are APY.

Requirements

Product: Penalty may be imposed for early withdrawal. Add-on CDs available.

Offer: Penalty may be imposed for early withdrawal.

Requirements

Product: Membership in Kalsee Credit Union required. CDs subject to early redemption penalties. Fees may reduce earnings.

Offer: 6-Month Promo CD base rate. Funds currently on deposit at Kalsee Credit Union not eligible. Limited time offer.

Requirements

Product: Limited time offer. Minimum balance to receive advertised rate is $500. Automatically renews at maturity unless changes are made during 7-day grace period. Penalty for early withdrawal.

Offer: 6 or 9 Months term.

Requirements

Offer: Under $50,000 (Dividends Paid at Maturity)

Requirements

Product: Early withdrawal penalty applies: 30 days dividends for terms less than 1 year, 90 days dividends for terms 1 to 5 years. Average daily balance calculation method. Dividends compound based on rate schedule. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.

Requirements

Product: Minimum $500 required to open. Early withdrawal penalties apply. Rates subject to change without notice.

Offer: Early withdrawal penalties apply.

Requirements

Product: New money only. Only one CD per household; business entities are not eligible. Earns 4.00% APY plus an additional 4.00% annualized bonus (8.00% effective annualized return) if client applies for a first lien closed end mortgage loan with Leader Bank on or after December 25, 2025, and closes on or before the initial 6-month maturity date.

Offer: Base rate. New money only. Maximum deposit $100,000. One CD per household.

Requirements

Product: Minimum of $500 required to open account. All terms are subject to early withdrawal penalty and or fees which may reduce earnings. Membership is required for individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami-Dade, or Monroe County.

Offer: Share Certificate Promotional Rate. Effective 6/1/2026. Early withdrawal penalty and/or fees may reduce earnings.

Requirements

Product: Limited time offer valid starting August 2026. $500.00 minimum opening deposit. Advertised APYs include a 0.25% rate increase for new money, requiring opening with at least $10,000 from another financial institution. At maturity, certificate will rollover to the same term at current standard rate unless otherwise directed. Early withdrawal penalty applies and may reduce earnings. Dividends compounded and credited monthly and at maturity. Baptist Health South Florida Federal Credit Union membership required.

Offer: Advertised APY includes a 0.25% rate increase for \"new money.\" To receive this APY, you must open the certificate with at least $10,000 from another financial institution.

Requirements

Product: With as little as $500, account holders can invest in an Omaha FCU Share Certificate. Share Certificates have a 90-day loss of dividends, whether they are earned or not, for early-withdrawals. Rates are subject to change.