Best CD rates and certificates

Requirements

Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.

Offer: Interest compounded and credited monthly for terms of 3 to 9 months. Must maintain a minimum balance of $500 to obtain disclosed APY.

Requirements

Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.

Offer: Premium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus).

Requirements

Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.

Requirements

Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.

Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.

Requirements

Product: Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.

Requirements

Product: Penalty for early withdrawal may be imposed for CDs/IRA CDs. Fees or withdrawals may reduce earnings. Tiered-rate account where higher balances may earn higher interest rates.

Offer: 6-Month Special. Compounding frequency: Quarterly. No minimum balance required to obtain advertised APY. Minimum of $5,000 new money to Park Bank may be required.

Requirements

Product: $5.00 Savings Account required. Penalty for early withdrawal. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials.

Offer: Limited time offer begins 8/4/25. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials. Corresponding 3.69% APR.

Requirements

Product: Substantial penalty for early withdrawal. Terms available from 90 days to 2 years. Minimum balance of $2,500 to open. Can be used as collateral for a Quail Creek Bank loan.

Offer: A penalty may be imposed for early withdrawal. Minimum daily balance of $2,500.00 and up to obtain rate.

Requirements

Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.

Offer: Early withdrawal penalty is 30 days' dividends.

Requirements

Product: Fixed rate term Certificate of Deposits accounts, rates are guaranteed for the length of the term. APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. For consumer accounts only.

Offer: APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. Does not apply to Individual Retirement Accounts (IRA).

Requirements

Product: Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.

Offer: Minimum daily balance of $500 required to obtain disclosed APY.

Requirements

Product: The APY assumes interest will remain on deposit until maturity; a withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. The daily compounding method is used on all certificates of deposit except on 6 month certificates of deposit, which are compounded monthly. Fees or other conditions could reduce the earning on the accounts shown above. Rates are subject to change without prior notice.

Offer: Compounded monthly. Penalty may be imposed for early withdrawal.

Requirements

Product: Dividends compounded quarterly. Early withdrawal penalty applies (equal to 365 days dividends on the amount withdrawn). Funds transferred to Regular Savings Account at maturity. Allowed a one-time add-on deposit.

Offer: Allowed a one-time add-on deposit.

Requirements

Product: Requires membership with a $25.00 share deposit in Regular Shares and membership eligibility. Early withdrawal penalty applies for early withdrawals/early maturity.

Offer: Rate is fixed for the full term. Early withdrawal penalty applies.