Best CD rates and certificates

Requirements

Product: Maturity terms range from 91 days to 5 years. Additional deposits not accepted during the term. The certificate may be increased at the time of maturity or renewal. Renews for the same term at the interest rate in effect at maturity if not redeemed. Interest earned may be added back, paid by check, or deposited in checking/savings. 10-day grace period after maturity date. Early withdrawal penalty applies. Online accounts do not qualify for Class Act Club special interest rate increases.

Offer: 12 Month term

Requirements

Product: Earn a bonus on all normal CD rates (excludes special CDs) when you have or open a Home Green, Home Plus or Home Grand 55 checking account. Jumbo rate applies to balances of $100,000.00 and over. Penalty for early CD withdrawal CDs maturing in 1 year or less – penalty is 3 months of interest earned or would have been earned. CDs maturing in over 1 year – penalty is 6 months of interest earned or would have been earned.

Requirements

Product: Certificates purchased are subject to interest penalties if withdrawn prior to maturity. Rates subject to change without notice.

Requirements

Offer: Early withdrawal penalty: 181 days interest (Minimum $25)

Requirements

Product: Min. $500 opening balance. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.

Requirements

Product: Rates are tiered based on deposit amount. Penalty: 90 days of dividends for 90-day and 180-day certificates. Penalty: 180 days of dividends for 12 months or longer. Terms listed at 8, 9, and 11 months do not have explicitly documented penalty terms in the rate disclosures.

Offer: 12 Months term. Dividends compounded quarterly. 180-day early withdrawal penalty.

Requirements

Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest, 12 months to less than 36 months lose 180 days' interest, 36 months or longer lose 270 days' interest.

Offer: Only new money eligible for promotional rate. Early withdrawal penalty of 180 days' interest.

Requirements

Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.

Requirements

Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.

Offer: Platinum relationship tier

Requirements

Product: Available in terms ranging from thirty days to several years. Minimum opening deposits required, depending on specific CD. Interest penalty may be imposed for early withdrawal.

Offer: A penalty of 90 days accrued interest on the amount withdrawn will be charged for any early withdrawal on a 12 month CD. Fees may reduce earnings on the account.

Requirements

Product: Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.

Offer: Term: 366 Days

Requirements

Product: Substantial penalty is imposed on early withdrawals. APY assumes interest will remain on deposit until maturity.

Requirements

Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.

Requirements

Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.