Best CD rates and certificates

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: 180 days interest.

Requirements

Product: Golden Eagle Members must maintain a minimum of $10,000 within their deposit accounts (membership savings, club savings, certificates or IRAs). Dividends compounded and credited monthly.

Offer: Fixed rate. Compounded and credited monthly. Minimum to earn dividends is $5,000.

Requirements

Product: Must meet JetStream FCU membership eligibility. Dividends compounded and paid monthly.

Offer: Fixed rate. Dividends compounded and credited monthly. Minimum to earn dividends is $500.

Requirements

Product: Requires qualifying for Member PLUS: member in good standing and either direct deposits of $750/month, $10,000 in combined deposits, active loan with Credit Union (including active VISA credit card within last 30 days), or 20+ debit transactions/month. Members age 24 and under do not automatically qualify for bonus CD rate unless meeting criteria. Certificate rates remain fixed for term. Penalty may be imposed for early withdrawal.

Offer: Requires MemberPLUS qualification.

Requirements

Product: Minimum to open a regular certificate is $1,000; minimum to open a jumbo certificate is $50,000. A penalty will or may be imposed for early withdrawal.

Requirements

Product: Membership is open to anyone who lives, works, worships, attends school, or regularly does business in Pinellas County; state, county, or municipal employees; SEGs; or family of current members. Early withdrawal penalties may apply and may reduce earnings.

Offer: Minimum balance to earn dividends is $500.

Requirements

Product: No setup or maintenance fees. Early withdrawals subject to penalty.

Offer: Dividends may be paid quarterly or at maturity; compounded quarterly.

Requirements

Product: Rates subject to change. Rates are effective as of the first day of the current month. Minimum opening deposit and minimum balance is $1,000.00. Early withdrawal penalties apply. Fees could reduce earnings on the account. No monthly charge or fee for maintaining a CD.

Offer: Early withdrawal penalty is 90 days of interest.

Requirements

Product: Fixed-rate account. Interest credited at maturity for terms under 7 months and quarterly for terms 9 months and more, or deposited into account if agreed at opening. Interest calculated using daily balance method. Automatically renews with a 10 calendar day grace period. Early withdrawal penalty: 1 month interest for terms of 1 year or less; 3 months interest for terms over 1 year.

Offer: Compound Frequency: Quarterly

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

Requirements

Product: $1,000 minimum balance to obtain APY. Early withdrawal penalties apply.

Offer: $1,000 minimum balance to obtain APY.

Requirements

Product: Available from July 5th to July 10th. Minimum opening deposit of $500 in new money required. 'New funds' refers to money not on deposit at Garden Savings FCU in the past 90 days. Early withdrawal penalty: 180 days of dividends earned.

Offer: Available from July 5th to July 10th. Minimum opening deposit of $500 in new money required ('new funds' not on deposit at Garden Savings FCU in past 90 days). Early withdrawal penalty: 180 days of dividends earned.

Requirements

Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.

Offer: Compounds monthly. Early withdrawal penalties may apply.

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: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.

Offer: For 12-month STCs, interest earned may be paid to the STC at maturity or transferred monthly to another SECU account.