Best CD rates and certificates

Requirements

Product: Interest rate is fixed for the term of the certificate. The 3-month CD renews automatically to a 3-month term at maturity. The 9-month CD and 15-month CD renew automatically to a 12-month term at maturity. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Featured 3-month, 9-month, and 15-month CD specials have a $1,000 minimum to open. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on your account. If you close your account before interest is credited, you will receive the accrued interest.

Offer: Renews automatically to a 12-month term at maturity.

Requirements

Product: A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.

Offer: Early withdrawal penalties may apply.

Requirements

Product: Open with $500 ($250 for youth accounts). Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal.

Requirements

Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.

Requirements

Product: Automatically renewing. Penalty for early withdrawals.

Offer: Dividends paid monthly.

Requirements

Product: Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.

Offer: Gold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month).

Requirements

Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.

Requirements

Product: Must have a Destination Checking account to open. $1,000 minimum to open. Fees may reduce earnings. Penalty for early withdrawal. APY calculations based on 365-day term.

Offer: Must have a Destination Checking account to open. $1,000.00 to open and $0.01 minimum balance to obtain APY.

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 Bronze tier.

Requirements

Product: Funds remain on deposit until maturity. Current rates established when account is opened. Premier Checking customers receive a 0.10% increase on Certificates of Deposit.

Requirements

Product: A penalty may be imposed for early withdrawal.

Offer: Compounds Quarterly

Requirements

Product: Interest compounds and is paid quarterly. Certificates over $25,000 add .05% to the rate.

Offer: Certificates over $25,000 add .05% to the rate. Early withdrawal penalty is the lesser of 90 days’ interest or the interest earned.

Requirements

Product: Choose from a variety of maturity options ranging from 91 days to 72 months. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.

Offer: Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.

Requirements

Product: Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.