Best CD rates and certificates

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: $500.00 minimum opening deposit required to open and obtain the APY. Early withdrawal penalty. 12 month add-on requires a minimum deposit of $500.00 to open ($10,000 maximum); additional funds may be deposited at a minimum of $100.00 per deposit. Simple interest calculation based on a 365 day basis. Long term relationship pricing available upon contacting the bank.

Offer: Early withdrawal penalty. Simple interest calculation based on a 365 day basis.

Requirements

Product: Must be 18 or older and meet field of membership eligibility (live, work, worship, or attend school in service regions, affiliated partner, or immediate family of member) and have a Share Savings Account. No additional deposits allowed except at maturity or during grace period.

Requirements

Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.

Requirements

Product: Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.

Requirements

Product: A penalty may be imposed for early withdrawal

Offer: A penalty may be imposed for early withdrawal

Requirements

Product: Early withdrawals from CDs are subject to penalties: maturities less than 12 months, loss of 3 months interest; 12-35 months, loss of 9 months interest; 36–60 months, loss of 12 months interest; 120 months, loss of 24 months interest.

Requirements

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 Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.

Requirements

Product: Terms from 3 months to 5 years. Interest can be compounded back into the CD or directly deposited to your Merchants State Bank checking or savings account. A penalty may be imposed for early withdrawal. Interest will be credited annually or more frequently. $100 minimum deposit required for CD terms, unless special noted.

Requirements

Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.

Offer: Standard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed.

Requirements

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

Offer: 60 month Bump Rate. $2,000 minimum. Effective October 7, 2026.

Requirements

Product: Early withdrawal penalties apply. Must maintain an open Membership Savings account with a minimum balance requirement of $25. Dividends credited and compounded monthly on the last day of the month. Automatically renews for the same term at current rate with a 10-day grace period.

Offer: $1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply.

Requirements

Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.

Requirements

Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.

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.