Best CD rates and certificates

Requirements

Product: Penalty may be imposed for early withdrawal. Rates and terms are subject to change.

Offer: 11 Month Special. Minimum balance required to earn APY. Stated APR 4.18%.

Requirements

Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.

Offer: 11 Month CD SPECIAL

Requirements

Product: A $500 minimum opening deposit is required to earn the advertised APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: 1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.

Offer: 11-Month CD SPECIAL. Renews at a 12-Month term.

Requirements

Product: Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily ** A penalty may be assessed for early withdrawal.

Offer: Special rate. Penalty may be assessed for early withdrawal.

Requirements

Product: Limited-time special offer celebrating Colorado's 150th anniversary. Interest compounded and paid quarterly. Early withdrawal penalties apply to principal. Not available for Public Funds.

Offer: Interest compounded and paid quarterly; early withdrawal penalties apply to principal; not available for Public Funds.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Share Certificate APY assumes dividends are retained in the certificate. A certificate dividend penalty will be imposed for early withdrawal and will affect APY; fees may reduce earnings. Rates are fixed for the term of the share certificate.

Offer: To earn the advertised Annual Percentage Yield, a $1,000 minimum balance is required for a Share Certificate. Offer is subject to change without notice and may be withdrawn at any time. Certificate will renew at a 12 month term upon maturity and will earn the 12 month rate available on that date. APY accurate as of 10/1/2026.

Requirements

Product: WealthBuilder Certificate. Additional deposits allowed. Early withdrawal penalty of 120 days interest. Automatic renewal with 10-day grace period. At maturity, balances of $1000 or more renew as standard 12-month certificate; balances below $1000 renew as WealthBuilder.

Offer: 12 Month WealthBuilder Certificate

Requirements

Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.

Requirements

Product: New funds only from outside CU SoCal. Must be a CU SoCal Member. New Member maximum online opening deposit is up to $150,000. Deposits made through electronic transfers (ACH) will not be available for withdrawal for 60 days from the date of deposit. Early withdrawals may incur a 180-day dividend penalty. Automatically renews into a 12-month certificate at the prevailing rate.

Offer: Promotional APY and rate are available for a limited time; new funds only. Fixed rate 4.17% dividend rate. Minimum deposit to open is $500; no maximum deposit.

Requirements

Product: All certificates are automatically renewable. $5,000.00 initial deposit required except those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. Public funds over $250,000.00 excluded from this offer.

Offer: 12 thru 18 Month Certificate of Deposit. $5,000.00 initial deposit required except those age 18 and under may open with $500. Public funds over $250,000.00 excluded.

Requirements

Product: Dividends are paid monthly on all savings products. Penalty for early withdrawal. $500 minimum deposit on Certificates, $5,000 minimum deposit for Promotional Certificates.

Offer: Penalty assessed for early withdrawal.

Requirements

Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.

Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Requirements

Product: Minimum balance to open and obtain APY is $500.