Best CD rates and certificates

Requirements

Product: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Requirements

Offer: 9 Month CD Special

Requirements

Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum opening deposit of $500.00. Rates are subject to change without notice.

Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: Available for consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply. Standard term lengths range from 6 months to 60 months, but non-promotional terms require entering a ZIP code to view rates.

Offer: Limited time offer. Consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply.

Requirements

Product: Guaranteed fixed rate from opening to maturity. Penalty for early withdrawal. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.

Offer: 9 Month Promo CD. Guaranteed fixed rate.

Requirements

Product: Minimum deposit $500. Interest is compounded daily and earned on the daily balance. A penalty may be imposed for early withdrawal.

Offer: 9 Month term.

Requirements

Product: A $5,000.00 minimum balance is required to receive a monthly interest check or have monthly interest transferred to another WFS account. Once opened, additions are not permitted until maturity. Early withdrawal penalty: 3 months interest on terms less than 1 year; 6 months interest on terms 1 year and over. Automatically renews with a 7-day grace period.

Offer: With checking & direct deposit. Special offer.

Requirements

Product: Limited time offer valid starting August 2026. $500.00 minimum opening deposit. Advertised APYs include a 0.25% rate increase for new money, requiring opening with at least $10,000 from another financial institution. At maturity, certificate will rollover to the same term at current standard rate unless otherwise directed. Early withdrawal penalty applies and may reduce earnings. Dividends compounded and credited monthly and at maturity. Baptist Health South Florida Federal Credit Union membership required.

Offer: Advertised APY includes a 0.25% rate increase for \"new money.\" To receive this APY, you must open the certificate with at least $10,000 from another financial institution.

Requirements

Product: Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.

Requirements

Product: Minimum opening deposit of $10,000 in new money is required and must be maintained throughout the term of the certificate. New money may include funds deposited into a new or existing member's share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a certificate with a 9-month term is 6 months. Penalty imposed for early withdrawal is 90 days interest.

Offer: Requires $10,000 minimum opening deposit in new money maintained throughout the term. Penalty for early withdrawal is 90 days interest. Renews into a 6-month term.

Requirements

Product: Checking account required. At maturity, the CD will automatically renew to the same term and the current non-special rate in effect at the time of renewal. Penalty may be imposed for early withdrawal.

Offer: Checking Account Required. Early withdrawal penalty may apply. Automatically renews to current non-special rate.

Requirements

Product: Terms less than 24 months have an early withdrawal penalty of 91 days. Terms 24 months and above have an early withdrawal penalty of 180 days.

Offer: Special certificate account; transferred to regular share account upon maturity.