Best CD rates and certificates

Requirements

Product: Minimum balance to open is $1,000.00. No deposits can be added. Early withdrawals of principal prior to maturity date will result in substantial penalties and account closure. Interest credited at maturity on CDs less than 12 months; quarterly compounding on accounts 12 months and over. Fees may reduce earnings.

Offer: SPECIAL! 14-Month Certificate. Quarterly compounding. Fees may reduce earnings.

Requirements

Product: Minimum balance to open is $500. New money only; funds may not already be on deposit in a Point Breeze account. Interest is compounded and credited monthly. Early withdrawal penalties may apply if any portion of principal is withdrawn prior to maturity. Offer not available to financial institutions.

Offer: 14 Month Promotional CD. New money only. At the conclusion of the 14-month special offer period, the CD automatically renews for a 12-month term at the APY in effect at renewal.

Requirements

Product: Must maintain in account each day the minimum balance that corresponds to the account on the rate sheet to obtain the disclosed APY. Dividends compounded and credited monthly. Early withdrawal penalty applies. Membership eligibility required.

Offer: Automatically renews to a 12 month term at the then current fixed rate upon maturity. Promotion limited to MHV members in good standing.

Requirements

Product: Interest compounded quarterly for terms of 6 months or greater; paid at maturity for 4-week and 13-week terms. Automatic renewal with 10-day grace period. Early withdrawal subject to penalty. Fees may reduce earnings. Must be at least 16 years of age, a Kansas resident, and not a resident alien to open online.

Offer: Special Promotion. Requires $5,000 minimum balance to open and earn APY. IRAs are not included in this special.

Requirements

Product: Credit Union membership required by opening a $5 share savings account. Special rate promotion subject to end without notice. Rolls over to a 12-month term at maturity at prevailing rate. A penalty will be imposed for early withdrawal and effective fees may reduce dividends earned.

Offer: Special rate promotion subject to end without notice. $500 minimum requirement to open and minimum of $500 to earn the advertised APY. Rolls over to a 12-month term at maturity at prevailing rate.

Requirements

Product: Early withdrawal penalty applies. Minimum deposit of $500. Non-promo certificates automatically renew into the same term. Certificate Specials renew at the non-promotional rate.

Offer: Renews at an 18-month non-promotional rate. Early withdrawal penalty applies.

Requirements

Product: Early withdrawals subject to penalty. No setup or maintenance fees.

Offer: Limited-time offer. Dividends compound quarterly for CDs with terms greater than 12 months. Not available for funds. Penalty for early withdrawal. No setup or maintenance fees.

Requirements

Product: Certificates may be issued for terms other than listed above. Interest for certificates issued for terms other than listed will be paid at the rate for the nearest lower term. The Annual Percentage Yield on all Time Certificates is figured on a compounding quarterly basis for a 12-month period of time. This yield will fluctuate when compounding at a different interval or for any lesser time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: 15 Month Special.

Requirements

Product: Must be opened between September 1, 2026, and November 30, 2026, and funded with new money (external funds from accounts other than Vantage West Credit Union or affiliate institutions). Not eligible for relationship dividend rates. Minimum opening deposit $500; maximum deposit $250,000 for accounts opened online. Additional deposits not permitted after opening. If automatic renewal is elected, renews into a standard 12-month Certificate.

Offer: Promotional rate valid for accounts opened between September 1, 2026, and November 30, 2026, funded with external new money. Maximum deposit $250,000 for online opening. No relationship dividend rate applicable. Monthly fee waived with eStatements.

Requirements

Product: Deposits are insured in full through combined FDIC and DIF coverage. A penalty may be imposed for early withdrawal. CD Passbooks must be returned to the Bank to close or roll into a new account.

Offer: Limited time offer. Converts to a standard 12 Month CD at renewal. APY assumes interest remains on deposit for the term.

Requirements

Product: Interest compounded quarterly. Automatic CD renewal. Substantial penalty will be imposed for early withdrawal of certificate of deposits.

Offer: Substantial penalty will be imposed for early withdrawal of certificate of deposits.

Requirements

Product: Minimum opening deposit $500. Minimum balance to earn dividends $500. Penalty for early withdrawal. Dividends paid monthly. 10 calendar-day penalty-free grace period at maturity.

Offer: Special certificates are limited to a total of $250,000 per member or business. CD will automatically renew for successive 12-month terms at the current dividend rate for that term.

Requirements

Product: Early withdrawals and applicable fees may reduce earnings. Loss of 90 days' interest for terms 12 months or less, 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.

Requirements

Product: Funds must remain on deposit until maturity to earn the advertised yield. A penalty will be imposed for early withdrawal.

Requirements

Product: Terms range from 1 month to 5 years. Early withdrawals subject to penalty. No setup or maintenance fees.

Offer: 17-month certificate automatically renews into a 12-month term at prevailing rates unless redeemed within 10 days of maturity. Penalty may be imposed for early withdrawal. Fees may reduce earnings. No institutional investors. Limited time offer.