Best CD rates and certificates

Requirements

Product: Named 12-month promotional certificate. Additional deposits permitted anytime. Product page: minimum deposit $5,000, maximum $100,000. Qualification: $500 minimum in Primary Share Account (suffix 000); $250 average checking balance; direct deposit/payroll deduction of at least $500 a month; $7,500 minimum combined loan balances. Dividend-sheet footnote (D) instead lists $500 share savings, $500 share checking, $7,500 combined loans, e-Statements, and maximum deposit $100,000. Terms apply.

Offer: Relationship qualifications required (share, checking, direct deposit/payroll, combined loans; e-Statements on dividend sheet). Additional deposits allowed. Rate tables show the same 5.75%/5.90% in both under- and over-$90,000 columns.

Requirements

Product: For loved ones opening an account after a member passes away. Funds must have been on deposit at DMCU at the time of death. The individual must be a representative, beneficiary or joint owner of the descendant's account and qualify for membership. Allows two withdrawals without penalty; third withdrawal assesses penalty and closes account. Minimum deposit $5,000, maximum deposit $1,000,000.

Offer: Must be representative, beneficiary or joint owner of descendant's account with funds on deposit at DMCU at time of death. Two withdrawals allowed without penalty during term; third withdrawal incurs penalty and closes account.

Requirements

Product: Dividends are paid quarterly and deposited to certificate. 90-day early withdrawal penalty, 10-day grace period at end of contract. Dividends are paid on entire balance if minimum balance is met. Subject to change quarterly.

Offer: 1 year term. Dividends paid quarterly and deposited to certificate. 90-day penalty for early withdrawal; 10-day grace period at end of contract. Dividends paid on entire balance if minimum balance is met.

Requirements

Product: Exclusive to Farragut Branch. Must be a new customer to the bank. Live or work in ZIP Codes: 37934, 37922, 37923, 37932, and 37772. Must open a new DDA Account (Personal or Business) with a minimum $500 deposit (Money Market Accounts do not qualify). CD Funds must be new money to the bank. Maximum $150,000 per household. Early withdrawal penalties apply. Limited time only.

Offer: 12-Month Term. Interest Rate Earned is 4.89%. Requires opening a new DDA Account (Personal or Business) with a minimum $500 deposit; must be a new customer living or working in ZIPs 37934, 37922, 37923, 37932, or 37772; new money; max $150,000 per household; early withdrawal penalties apply.

Requirements

Product: Paper statement fee $2.00/month unless enrolled in eStatements. Early withdrawal penalty: 90 days dividends for terms 17 months or less; 180 days for 18 months or more. Add 0.25% APY to dividend rate for $10,000+ new money OR direct deposit. Not applicable to 12-month term.

Requirements

Product: Penalty for early withdrawal. Not available on Business accounts. Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant or Piedmont Advantage, a division of Truliant Federal Credit Union.

Offer: Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant or Piedmont Advantage, a division of Truliant Federal Credit Union. Not available on Business accounts. Penalty for early withdrawal. Limited time offer.

Requirements

Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.

Offer: Special APY requires Checking account, First Eagle debit card, and monthly deposits of at least $100.00. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Maximum deposit $100,000.

Requirements

Product: Early withdrawal penalty applies. 3 month, 9 month, and 18 month terms are Special Share Certificates offered for a limited time and automatically renew at the next highest term Share Certificate unless funds are withdrawn at maturity.

Offer: Early withdrawal penalty applies.

Requirements

Product: Rates effective October 1, 2026; rates apply to balance tiers from $1,000.

Requirements

Product: Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.

Offer: Open a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end.

Requirements

Product: Must open initial accounts in-person at a branch office. Penalties apply for early withdrawal. Select terms from 3 months to 5 years available; contact local branch for other terms and rates.

Offer: Requires $500 minimum balance to earn the APY. Penalty for early withdrawal.

Requirements

Product: Fixed rates. Open minimum $0. Early withdrawal penalties apply.

Offer: Offer expires 10/19/2026.

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 for active and engaged members).

Requirements

Product: Available to eligible Dealer Personal Banking, Team Member Banking, or Team Member Relocation program members. Interest rates and APYs are fixed and guaranteed for the length of the initial term. Automatically renewable. Early withdrawal penalties apply.

Offer: Early withdrawal penalty: 30 days interest on amount withdrawn for 0-23 months remaining to maturity.