Best CD rates and certificates

Requirements

Product: Renew automatically at maturity. Minimum balance $1,000. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 12/31/26.

Offer: Compounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity.

Requirements

Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.

Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.

Requirements

Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.

Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.

Requirements

Product: Minimum deposit $500. Automatic renewal at maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if closed before credited.

Offer: Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if account is closed before accrued dividends have been credited.

Requirements

Product: $500 minimum deposit to open. Fixed dividend rate. Early withdrawal penalties may apply. Automatic renewal at maturity with a 10-day grace period. No fees to setup or maintain.

Offer: Share Certificate Special! 24 Months at 4.00% APY*. $500 minimum deposit to open.

Requirements

Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.

Offer: Silver relationship tier

Requirements

Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.

Offer: Family Advantage Gold tier.

Requirements

Product: Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.

Offer: Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.

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: Dividends are compounded and paid quarterly unless stated otherwise. Membership is established by maintaining $5 in a share/savings account with USFCU. Early withdrawal from certificate subject to penalty. Dividends can be added back to your account, transferred to your credit union account, or check mailed to you each month.

Offer: 24 Month Maturity. All deposit amounts earn the same percentage yield based on the term selected.

Requirements

Product: Early withdrawal penalties may apply. Terms range from 6 months to 5 years. Can open 6, 12, and 24-month CDs up to $250,000 online; other terms/amounts call 918.392.2500.

Offer: Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply. Open up to $250,000 online.

Requirements

Product: Fixed-rate, fixed-term certificate account. Dividends can be deposited into a Member Loyalty Account.

Requirements

Product: Penalties may be imposed on early withdrawals. Fees may reduce earnings. Deposits are fully insured by FDIC and DIF. Rates are subject to change without notice.