Best CD rates and certificates

Requirements

Product: Fixed rate account and time deposit. Penalty may be imposed for early withdrawal before maturity. Minimum balance to open is $1,000.00. For 9-month and 18-month CD specials, minimum balance to open is $1,000; $1,000 required minimum balance to obtain stated APY for Minors, Students or Organizations.

Offer: Special offer. Minimum balance to open: $1,000.00. $1,000 required minimum balance to obtain stated APY for Minors, Students or Organizations.

Requirements

Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, funds may be automatically renewed or paid to a designated account.

Requirements

Product: Rates are fixed unless noted otherwise. Rates are not guaranteed and are subject to change without notice. Penalty for early withdrawal may apply. Rates are published for balance tiers listed. For CD balances of $100,000 and greater, contact the branch.

Offer: Minimum deposit: $2,500. APY rate requires minimum balance of $10,000.

Requirements

Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Interest paid quarterly and at maturity. May make unlimited deposits. One withdrawal per calendar month permitted, substantial penalties for additional monthly withdrawals or early closure of CD.

Offer: Interest paid quarterly and at maturity. Unlimited deposits allowed. One withdrawal per calendar month permitted; substantial penalties for additional monthly withdrawals or early closure. Minimum balance of $100.00 to earn interest.

Requirements

Product: Membership eligibility requires living, working, worshipping, or attending school in Berlin, Boylston, Clinton, Grafton, Holden, Millbury, Northborough, Shrewsbury, Sterling, Westborough, West Boylston, or Worcester, and opening a $5 savings/share account. Dividends are credited monthly and can be compounded, transferred, or issued as a check. Automatic renewal at maturity. Early withdrawal penalty of 6 months dividends.

Requirements

Product: New accounts only (6-18 months; listed under balances greater than $9,999.99 requiring $10,000.00 to open and on deposit each day to earn dividends; additional deposits not permitted after opening; membership required).

Offer: Requires $10,000.00 to open and $10,000.00 on deposit each day to earn dividends.

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: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.

Offer: Term: 6 months (180-364 days). Standard rate.

Requirements

Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.

Requirements

Product: No monthly fee. No investment fee. Penalties imposed for early withdrawals.

Offer: Dividends compounded and credited monthly based on the daily balance formula.

Requirements

Product: If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.

Offer: Interest compounded quarterly.

Requirements

Product: Open to anyone living or working in Darke County. Insured up to $250,000 per account by American Share Insurance (ASI); not federally insured.

Requirements

Product: The interest rate and APY may change after account opening. Fees may reduce earnings. $1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal.

Offer: $1,000 is the minimum balance requirement to obtain APY. A penalty will be imposed for early withdrawal. The interest rate and APY may change after account opening. Fees may reduce earnings.

Requirements

Product: All CDs have a penalty for early withdrawal. Fees incurred may reduce earnings.

Offer: 9 Month term. Penalty assessed for early withdrawal.

Requirements

Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.