Best CD rates and certificates

Requirements

Product: Certificates will automatically renew for another term at maturity. You have 10 business days after the date the certificate matures to move make changes or withdraw the funds. A penalty may be imposed if you withdraw the funds before the maturity date.

Requirements

Product: No monthly fee. No investment fee. Penalties imposed for early withdrawals.

Offer: Dividends compounded and credited monthly based on the daily balance formula.

Requirements

Product: Dividends are calculated daily, compounded and paid monthly and at maturity. Early withdrawal penalties apply and may reduce earnings.

Offer: Minimum balance of $1,000 to open.

Requirements

Product: Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000). Fixed rate during term. Automatically renewable. Additional deposits not permitted during term except during 7-day grace period after maturity. Monthly interest check available on accounts of $5,000 or greater.

Offer: Promotional certificate. Limit of $24,999.99 in total promotional certificate deposits per member. May be opened in-person or by telephone. Offer expires October 16, 2026.

Requirements

Product: Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000). Fixed rate during term. Automatically renewable. Additional deposits not permitted during term except during 7-day grace period after maturity. Monthly interest check available on accounts of $5,000 or greater.

Offer: Maximum balance of $24,999.

Requirements

Product: Must become a member of TruChoice with a $25 deposit. Fixed rates. Monthly compounding and crediting. Additional deposits are not allowed. Dividend withdrawal allowed. Automatic renewal with 10-day grace period. Early withdrawal penalty may apply.

Requirements

Product: Minimum deposit of $1,000. Dividends are credited back to the certificate or credited to regular shares on the last calendar day of the month. Early withdrawal penalty may be imposed. Fees may reduce earnings.

Requirements

Product: Signia Credit Union membership is required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.

Offer: Offer is effective as of 1/1/2026 and is subject to change or discontinue at any time, without notice. Maximum deposit amount with existing Signia Credit Union funds is $25,000.00 per member. No deposit limit amount from funds at another financial institution.

Requirements

Product: Early withdrawal penalty applies. Dividends are compounded and credited monthly.

Offer: Minimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies.

Requirements

Product: $500 minimum balance required. Substantial penalty for early withdrawal. Automatically renews at maturity with a 10-day grace period. Compounded and credited monthly.

Requirements

Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.

Requirements

Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.

Requirements

Product: Only $1,000 minimum balance to open. Interest is compounded daily and credited monthly. Rates are locked for the term chosen.

Requirements

Product: New money only (money not currently held at any Wintrust Financial Corporation location). Not available at all locations.

Offer: New money only. Minimum daily balance of $0.01 required to obtain APY. Assumes funds remain on deposit until maturity. Early withdrawal penalties apply.