Best CD rates and certificates

Requirements

Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.

Requirements

Product: A penalty will be imposed for early withdrawal. Institution generally does not accept nor retain deposits owned by persons residing outside their normal geographical service area.

Offer: A penalty will be imposed for early withdrawal. Balance required is daily balance.

Requirements

Product: All dividends earned on share certificates will be forfeited if funds are withdrawn before maturity. Dividends paid at maturity.

Offer: Paid at maturity. Early withdrawal forfeits all earned dividends.

Requirements

Product: Membership/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.

Offer: Dividends paid and compounded quarterly.

Requirements

Product: Membership eligibility required (family relationship, participating employer, or living/working/worshiping/attending school in underserved communities of Pittsburgh). Minimum deposit $500. Automatically renews upon maturity. No maintenance or set up fees.

Offer: Interest reinvests/compounds and credits quarterly. Daily balance method used. Early withdrawal penalty applies (90 days dividends). Automatically renews upon maturity.

Requirements

Product: All certificates can be purchased with a minimum amount of $500.00. Rates subject to change without notice. Early withdrawal penalty may apply.

Requirements

Product: Membership requires living, working, worshipping, or attending school in Marquette, Iron, Dickinson, Baraga, or Alger counties in Michigan. $5.00 par value share required. Early withdrawal penalty equals 90 days interest/dividends. Automatically renewable with a 7-day grace period, though certificate specials are nonrenewal accounts and do not roll over. Dividends compounded daily and credited quarterly.

Offer: Early withdrawal penalty may be imposed. Certificate specials will not renew at end of term.

Requirements

Product: Early withdrawal penalties apply. Can be used as collateral for share secured loans. Minimum term 1 year.

Requirements

Product: Fixed interest rate until maturity. Requires a $1,000 minimum deposit to open. No additional deposits can be made once opened. Early withdrawal penalties apply. Dividends are paid quarterly. Renews automatically at current market rate with notice sent at least 10 days before maturity.

Requirements

Product: Dividends are compounded quarterly. APY assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn APY, the minimum balance must be maintained in the account every day. Early withdrawal penalty applies.

Offer: 1-year (add-on). Additions may be made any time during the certificate term at the original rate. Each addition must be at least $150. Total additions cannot exceed $10,000. Penalty: 3 month.

Requirements

Offer: Annual Percentage Yield is based on a quarterly compounding and assumes interest will remain on deposit until maturity.

Requirements

Product: Membership required. Early withdrawal penalty applies (30 days dividend for 3–6 month terms; 90 days dividend for 12–60 month terms). No maintenance or set-up fees.

Offer: Special Offer: 12-Month CD Special. Requires $1,000 minimum deposit with new money required. APY accurate as of 10/16/2026. Penalty may be imposed for early withdrawal.

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: Gold relationship tier

Requirements

Product: No deposits or withdrawals permitted during term. Automatically renewable unless otherwise stated with a 10-day grace period to withdraw funds. Early withdrawal penalties: 91 day to 182 day = 60 days interest penalty; 12 months - 15 months = 90 days interest penalty; 18 months - 60 months = 6 months interest penalty.

Offer: 12 Month CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required

Requirements

Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.