Best CD rates and certificates

Requirements

Product: Minimum opening balance of $500. You must maintain the minimum deposit in the account every day to obtain the APY. Fixed interest rate. No deposits or withdrawals permitted until maturity, except during the 10-day grace period. Early withdrawals may result in a penalty. All certificate accounts renew automatically at maturity unless instructions are received during grace period. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional certificates of deposit when the qualifying checking account is open, funded, and in good standing at the time of CD opening.

Offer: Statement & Passbook. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional CDs when qualifying checking is open, funded, and in good standing.

Requirements

Product: Rates and APYs are fixed for the term upon opening and subject to change upon renewal. Penalty may be imposed for early withdrawal.

Offer: Penalty may be imposed for early withdrawal.

Requirements

Product: Penalty for early withdrawal. No additional deposits until maturity. Automatically renews within 10 calendar days of maturity at current market value.

Offer: $1,000 minimum balance.

Requirements

Product: Earn more than traditional savings with no monthly maintenance fees. Membership and eligibility requirements apply, requiring a $5 one-time nonrefundable membership fee and a minimum initial deposit of $5.

Requirements

Product: Penalty for early withdrawal. Fees could reduce earnings.

Offer: Penalty for early withdrawal.

Requirements

Product: No setup or maintenance fees. Early withdrawal subject to penalty (12 months interest). APY assumes monthly compounding.

Offer: Monthly compounding; early withdrawal penalty applies.

Requirements

Product: Relationship is defined by having a Main Street Bank checking account with transactions during the last 30 days, or opening a checking account on the same day as opening the Relationship CD. The Bank reserves the right to limit Relationship CD Specials to a maximum deposit amount of $250,000. All Relationship CD Specials automatically renew as a 12 month CD.

Offer: Choose Your Term Relationship CD Special (18 month term). Requires qualifying checking relationship. Automatically renews as 12 month.

Requirements

Offer: Compounded and credited quarterly.

Requirements

Product: Federally insured by NCUA. No monthly maintenance fees.

Offer: Compounded Quarterly.

Requirements

Product: A penalty may be imposed for early withdrawal on CDs (penalty may reduce principal). If CD renews automatically, at maturity the interest rate will be the prevailing renewal rate in effect.

Offer: For new members. Maximum deposit of $10,000.

Requirements

Product: Must be an RCU Member (live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of a current Member; or work for a Select Employer Group). $1,000 minimum deposit. Early withdrawal penalty applies.

Offer: Requires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions).

Requirements

Product: Requires new money deposit. Early withdrawal penalty may apply.

Offer: New money requirement

Requirements

Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.

Requirements

Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).

Offer: Requires GoldStar® Membership.

Requirements

Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.

Offer: Requires GoldStar® Membership.