Best CD rates and certificates

Requirements

Offer: Everyday APY tier.

Requirements

Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.

Offer: KEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements.

Requirements

Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.

Offer: Under $100,000 tier; 2 years up to 3 years term; compounded quarterly.

Requirements

Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.

Requirements

Product: Penalty may be imposed for early withdrawal on time deposits.

Offer: Special rate and term.

Requirements

Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.

Requirements

Offer: A penalty will or may be imposed for early withdrawal

Requirements

Product: Rate may change after the account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the advertised APY will be made at the end of the term or quarterly, whichever occurs first. A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year. A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice. CDs are automatically renewed after 10 day grace period past maturity.

Requirements

Product: Federally insured deposits. $500 minimum deposit on all terms. Early withdrawals may be subject to penalties.

Requirements

Product: Minimum opening balance of $500.00. Dividend options include monthly dividend check, transfer to another credit union account, or redeposit into the share certificate. Penalties may apply for early withdrawal.

Offer: Early withdrawal penalty: 180 days.

Requirements

Product: Terms from 3 to 60 months. Minimum opening balance $1,000. Rates fixed for term. Auto-renews at maturity with 10-day grace period for penalty-free withdrawal. Early withdrawal penalty based on term length: 90 days interest for 1–3 months; 180 days interest for 4–18 months; 360 days interest for 19+ months.

Offer: Interest compounded and credited monthly. Early withdrawal penalty: 360 days interest.

Requirements

Product: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Offer: 24 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

Requirements

Product: Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.

Offer: 24 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends.

Requirements

Product: Assumes dividends are credited monthly. Minimum balance is $500. Substantial penalty for early withdrawal. No deposits allowed after opening until maturity date. Does not renew automatically and will not earn dividends after maturity date unless used to secure a loan. Redeeming before maturity forfeits accrued dividends.

Requirements

Product: $1,000 minimum deposit required. Terms from 6 months to 5 years available. Dividends are compounded and paid quarterly and at maturity. $5 membership fee required. Early withdrawal penalties may apply. Jumbo rate qualifies for Personal CD deposits of $250,000 or more or approved exception.

Offer: Dividends compounded quarterly.