Best CD rates and certificates

Requirements

Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).

Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.

Requirements

Product: Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Federally insured by NCUA up to $250,000. Interest compounded monthly, paid by check, or transferred to another GHS FCU account; certificate must compound and interest must accrue in the account to earn stated APY. Early withdrawal penalties apply (90 days of interest if open < 12 months, 180 days of interest if >= 12 months). Automatically renews upon maturity.

Offer: Special limited-time promotional rate available September 1 through November 1, 2026. Minimum average daily balance of $500.00.

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

Requirements

Product: Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.

Offer: NEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies.

Requirements

Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.

Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Dividends require balance of at least $25.00. Penalty for early withdrawal: 90 days interest for certificates less than 3 years; 240 days interest for certificates 3 years or more.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Locked-in fixed rate for duration until maturity. Backed by FDIC insurance up to $250,000.

Offer: Special promotional rate. Minimum balance of $5,000 required to open account and obtain the APY. Interest compounded and credited quarterly. Penalty for early withdrawal. Cannot be part of TSB CD laddering package. Automatically renews to a 12 month CD.

Requirements

Product: Primary account holder must have at least one active consumer checking account with direct deposit, online banking, and a debit card. Minimum to open $1,000. APYs and interest rates accurate as of 2026-09-17.

Offer: Relationship CD: active consumer checking with direct deposit, online banking, and debit card.

Requirements

Product: Fixed-rate consumer CDs; terms from 3 to 60 months. Minimum to open $1,000. APYs and interest rates accurate as of 2026-10-05. Maintain a minimum daily balance of $0.01 to obtain the disclosed APY. Interest compounded and credited quarterly on Pick Your Term specials; standard compounding not fully specified for these tiers.

Requirements

Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.

Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.