Best CD rates and certificates

Requirements

Product: Early withdrawals subject to penalty. Monthly compounding. Minimum deposit to open is $500. No setup or maintenance fees. Available at all Peoples National Bank locations. Trade Up option available one-time during initial term on Trade-Up CDs. 3 in 1 CD allows adding funds anytime and penalty-free withdrawals.

Offer: Monthly compounding. Early withdrawal penalty may apply. Minimum deposit to open and obtain APY is $500.

Requirements

Product: Terms from 3 to 60 months. Most certificates (12–60 months) require a $500 minimum opening deposit and minimum balance; 3-, 6-, and 9-month terms require $1,000. Listed yields available if dividends are paid back to the certificate monthly. Early withdrawal penalty may reduce earnings. No annual fee. Balance tiers of $10K, $50K, and $75K earn higher rates.

Offer: Shorter-term options (3, 6, and 9 months) require a $1,000 minimum deposit. Listed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply.

Requirements

Product: Interest compounds daily; begins accruing day of deposit. Early withdrawal penalties apply: 2 months of interest for terms 1 year or less; 4 months of interest for terms greater than 1 year.

Requirements

Product: Certificates require a $1,000.00 minimum deposit. Rates change each Tuesday. Substantial interest penalty for early withdrawal.

Offer: Term: 180-364 Days. Substantial interest penalty for early withdrawal. Rates change each Tuesday.

Requirements

Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.

Offer: Requires Platinum Relationship Package Qualifications.

Requirements

Product: A $1,000 minimum balance is required to earn APY, unless otherwise stated. Flexible Savings Certificate requires $500 minimum balance for APY; Bump-Up Savings Certificate requires $10,000 minimum balance for APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings.

Offer: 6 Month Savings Certificate (3-11 Month Term)

Requirements

Product: Federally insured by NCUA up to $250,000. Dividends are compounded and credited quarterly. Rates shown not available in VA, NC, UT, NV, or TX. Early withdrawals are subject to an early withdrawal penalty. Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. All renewing certificates receive a 0.10% rate rewards until further notice (excluding 6 month and 12 month No Penalty and promotional certificates). Rate increase of 0.10% APY available on any 12 month+ certificate renewal with Essential Checking.

Offer: Rates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term.

Requirements

Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).

Offer: Loyalty Program Bronze Tier (Base + 0.20% IR) (182-364 Days)

Requirements

Product: All CD terms listed are available to business and consumer clients. Cannot be combined with any other offers. Certificates of Deposit are subject to penalty for early withdrawal of principal. Interest is compounded monthly.

Requirements

Product: Membership required. Penalties will be imposed for early withdrawals. Minimum $50 opening deposit with payroll deduction earns 1.29% rate (1.30% APY); $500 opening deposit earns 1.39% rate (1.40% APY) effective as of 09/11/2025. Funds deposited must be new money. Automatic roll-over at maturity into a 9-month Wealth Builder Certificate.

Requirements

Product: All members are required to open and maintain a Savings account ($25.00 membership share) in order to have any other HFCU product or service. Penalty applies for early withdrawal when made other than according to terms on certificate, except for 11-month certificates.

Requirements

Product: Penalty imposed for early withdrawal. Interest begins accruing on deposit date and compounds daily.

Offer: Penalty imposed for early withdrawal.

Requirements

Product: $500 Minimum Balance. Minimum deposit of $500 to open a CD account. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location. Interest is compounded daily and posted quarterly.

Offer: $500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY.

Requirements

Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.

Requirements

Product: Term share rates are adjusted each Tuesday but are fixed for the term. Dividends are subject to change without prior notification. Option on certificates of 12 months or longer to have dividends compounded, paid to a share account, or paid by check. 90 days interest penalty for early withdrawal.

Offer: Paid quarterly.