Best CD rates and certificates

Requirements

Product: Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you! Early withdrawal penalties may apply.

Requirements

Product: Dividends compounded quarterly. Penalty for early withdrawal: terms 90 days or less is 30 days dividends, less than 1 year and more than 90 days is 90 days dividends, terms between 11-24 months is 180 days dividends, and greater than 24 months is 365 days dividends.

Offer: Balance Under $100,000

Requirements

Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.

Offer: Penalty for early withdrawal.

Requirements

Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.

Offer: APY assumes dividends remain in account.

Requirements

Product: Must deposit a minimum of $1000.00 to open a certificate. Early withdrawal penalty applies. Rates subject to change monthly by the Board of Directors.

Requirements

Product: Short-term (< 1 year) or long-term (> 1 year). Dividends can be compounded, mailed, or deposited to savings or checking. Flexibility to make deposits anytime during certificate term. NCUA insured up to $250,000.

Offer: Fixed rate type. Minimum balance to earn dividend is $500.

Requirements

Product: Dividends compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. Penalty may be charged for early withdrawal. Allows penalty-free withdrawal of interest at any time. Add-ons limited to $10,000 through duration of certificate if certificate has add-on feature.

Offer: One-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate.

Requirements

Product: Dividends for 3-month term are paid at maturity and do not compound; dividends for 6-60 month terms compound and are paid quarterly. Minimum opening deposit is $1,000 for 3-month CD and $500 for 6-60 month CDs. Early withdrawal penalties apply. Automatic renewal with 7-day grace period. Membership open to anyone who lives, works, worships, or attends school in Lucas, Wood, Fulton, or Ottawa Counties, OH.

Offer: Dividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller.

Requirements

Product: Option to bump up rate (one time for certificates under 24 months and twice for certificate over 24 months) requires contacting Bridge before the original certificate maturity date. Bump rate must be of the equal term of the original certificate.

Offer: Everyday APY tier.

Requirements

Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.

Requirements

Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.

Requirements

Product: Consumer accounts only. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of September 18, 2026.

Requirements

Product: Must be new money. Unlimited deposits allowed for the duration.

Offer: Requires new money; $500 minimum opening deposit; unlimited deposits allowed for the duration.

Requirements

Product: Terms from 3 to 60 months. Minimum opening balance $1,000. Rates fixed for term. Auto-renews at maturity with 10-day grace period for penalty-free withdrawal. Early withdrawal penalty based on term length: 90 days interest for 1–3 months; 180 days interest for 4–18 months; 360 days interest for 19+ months.

Offer: Interest compounded and credited monthly. Early withdrawal penalty: 360 days interest.