Best CD rates and certificates

Requirements

Product: 18-Month Special: At maturity, the CD will be renewed into a 24-month CD. Special certificates will automatically renew on their maturity date. Members receive a 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Penalties for early withdrawal: 1 Year: 90 days of interest; 2 Years: 180 days of interest. Limited time offer subject to end at any time.

Offer: Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty).

Requirements

Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.

Offer: Limited-time offer. See kirtlandcu.org/18 and kirtlandcu.org/30 for complete details.

Requirements

Product: Deposit $500.00 minimum to start. Rates are current as of press date and subject to change without prior notice.

Requirements

Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. FDIC insured up to $250,000.

Offer: 18 Month YOUTH Fair CD Special; Preferred Rate with any checking account

Requirements

Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. FDIC insured up to $250,000.

Offer: 18 Month YOUTH Fair CD Special

Requirements

Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.

Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.

Requirements

Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.

Offer: Not purchased through Raymond James brokerage account.

Requirements

Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.

Offer: Purchased through Raymond James brokerage account.

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.

Requirements

Product: The minimum balance to open an account and obtain the APY is $1000. A penalty may be imposed for early withdrawal.

Offer: 18 Month Certificate of Deposit. APY assumes funds remain on deposit a full year at the listed rate or until maturity, whichever is greater. Penalty for early withdrawal.

Requirements

Product: Early withdrawal penalty applies. Dividends calculated and paid quarterly. Minimum opening deposit $100.

Requirements

Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.

Offer: Star Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.

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: Special Share Certificate offered for a limited time. Automatically renews at the next highest term Share Certificate unless funds are withdrawn at maturity. Not offered on IRAs. Early withdrawal penalty applies.

Requirements

Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.

Offer: Standard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed.