Best CD rates and certificates

Requirements

Product: Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.

Requirements

Product: Personal accounts only. Penalty for early withdrawal of 6 months interest which can reduce the principal. At maturity, certificate reinvests for the same term at the fixed-rate in effect at the time unless indicated otherwise. Insured up to $250,000 per account. IRA Certificates are excluded.

Offer: 18 Months Special

Requirements

Product: Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Early withdrawal penalty: Certificate term 12 months or less – 90-day interest penalty. Certificate term over 1 year – 180-day interest penalty.

Requirements

Product: Penalty for early withdrawal. Bonus dividend of an additional 0.10% on any single certificate of 2 years or more with a balance of $50,000 or more.

Offer: Minimum deposit $500. Penalty for early withdrawal.

Requirements

Product: Minimum balance to open an account is $2,500 ($500 for minor). Minimum amount to earn APY is $500. Early withdrawal penalty will be imposed if CD is closed prior to maturity.

Offer: New Accounts. Minimum opening balance is $2,500 ($500 minor); minimum to earn APY is $500.

Requirements

Product: Available to consumers only. Requires a Ledyard Bank consumer checking account to open and earn stated APYs. Penalty may apply for early withdrawal. Fees could reduce earnings.

Offer: Requires a $1,000 minimum deposit and a Ledyard Bank consumer checking account to open and earn stated APY.

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: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.

Offer: CD rates over $1 million.

Requirements

Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.

Offer: For stated maturity greater than one year, interest cannot remain on deposit and payout of interest is required annually.

Requirements

Product: Open to new and existing customers. A penalty for early withdrawal may/will be imposed. Fees may reduce earnings. $1,000 minimum balance required to earn the APY.

Offer: 18-month term. Early withdrawal penalties will/may be imposed.

Requirements

Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.

Offer: Minimum balance of $500 required to obtain advertised APY. Amount is locked once transferred.

Requirements

Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.

Offer: Bump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends.