Best CD rates and certificates

Requirements

Product: Interest calculated using the daily balance method. Maximum deposit to open online is $250,000.00; larger deposits must be established at a branch. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty equals 3 months of interest for terms less than 12 months, or 6 months of interest for terms greater than 12 months. Interest can remain for compounding or be withdrawn by check if a $5,000 balance is maintained.

Offer: Term is 2 years. Interest compounded continuously and credited monthly.

Requirements

Product: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.

Requirements

Product: Open with as little as $500. Early withdrawal penalties may apply. Rates apply to consumer accounts only. Membership eligibility required.

Offer: Minimum balance to earn APY is $500.

Requirements

Product: Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.

Offer: Wave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity).

Requirements

Product: Range of terms available from 3 to 60 months. No opening or maintenance fees. Dividend period, compounding and crediting are quarterly. Rates are variable/determined weekly and dividend rate is fixed for the term after opening. A penalty may be imposed for early withdrawals, excluding earned dividends.

Requirements

Product: Dividends compounded daily and credited monthly. 10-calendar-day grace period with automatic renewal upon maturity. Early withdrawal penalties apply. Option for bump-up after 6 months on 18-, 24-, and 36-month certificates.

Offer: Must meet Better Rewards Checking eligibility requirements at the time of opening or renewing. Bump-up option available after 6 months.

Requirements

Product: Fixed rates for predictable returns. Early withdrawals subject to penalty. No setup or maintenance fees. Maximum deposit $1,000,000 in aggregate per Taxpayer Identification Number.

Requirements

Product: Minimum deposit $250 with no maximum. Plus, enjoy a 0.25% APY increase on your new CD with a qualifying CareFREE Checking account (CareFREE Plus Checking with e-statements and at least $1,000 in monthly direct deposits).

Requirements

Product: $1,000 minimum opening deposit required for 12 Month Special using funds not currently on deposit at GreenWay Bank. CD specials renew at a 12 Month term; all others renew at original term. Interest credited quarterly (3 Month compounded at maturity). Penalty may be imposed for early withdrawal.

Offer: Compounding quarterly.

Requirements

Product: Membership eligibility required. Penalties may be imposed for early withdrawal. Dividends earned daily and credited monthly. Member forfeits dividends if account is closed before dividends accrue.

Requirements

Product: Minimum $500 to open account and maintain daily to obtain the disclosed APY. Maximum deposit to open is $1,000,000. Must be a U.S. Citizen and 18 years or older. Early withdrawals before maturity date are subject to penalties.

Offer: Must maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal.

Requirements

Product: Penalties may be imposed for withdrawals before maturity. Monthly interest can be accrued in the account, transferred to a Sawyer Savings Bank account, or mailed by check.

Requirements

Product: $100 minimum opening deposit. $100 minimum balance requirement. Dividends paid monthly. Early withdrawal penalties may apply. Fees may reduce earnings.

Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.

Requirements

Product: CD funds pooled to help Montana homeowners and businesses finance energy resilient solutions. Early withdrawal penalties may apply. Fees may reduce earnings.

Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.