Best CD rates and certificates

Requirements

Product: Requires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Upon maturity, 13-month Certificates will automatically renew as 12-month Certificates at prevailing APYs. Substantial penalty for early withdrawal. Valid for consumer accounts only. Fees may reduce earnings.

Offer: Requires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Renews as 12-month certificate at prevailing APY upon maturity. Early withdrawals may incur substantial penalties. Valid for consumer accounts only.

Requirements

Product: Requires $5,000 new money. Minimum Certificate amounts required from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Automatic renewal into standard 6-month Certificate upon maturity. Substantial penalty for early withdrawal. Valid for consumer accounts only.

Offer: New money required: $5,000. Existing certificates must be in grace period to renew and meet new money requirements. Renews into standard 6-month certificate at maturity. Substantial penalty for early withdrawal. Valid for consumer accounts only.

Requirements

Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.

Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.

Offer: Renews to Standard CD 12 Month (1 Year) term upon maturity.

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Rates based on monthly compounding. Early withdrawal penalty applies. Automatically renews at maturity with 10 calendar days grace period.

Offer: $500 minimum daily balance required to earn APY. Monthly compounding.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Limited to a single, one-time deposit with a term limit of 5 years (except 6 or 12 month certificates which allow ongoing contributions/add-on deposits). Early withdrawal penalty may apply. Minimum opening deposit $500.

Offer: Compounding frequency: Quarterly. Early withdrawal penalty may apply. For certificates of $50,000 or more desiring add-on feature, contact VACU for rates.

Requirements

Product: Limited-time offer. Open online.

Offer: Limited-time offer. Open online.

Requirements

Product: Existing CDs do not automatically renew at special rates. Minimum opening deposit is $500. Compounding: terms < 12 months compound at maturity; 12 months compound monthly. Early withdrawal penalty applies. No monthly fee. No minimum balance after opening to earn APY.

Offer: Special rate. Existing CDs do not automatically renew at special rates. Interest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest.

Requirements

Product: Interest compounded based on CD term (quarterly, semi-annually, or at maturity). Automatically renewable. Penalty may apply for early withdrawal. Free with eStatements.

Offer: Average daily balance range: All Balances. Free with eStatements. Penalty may apply for early withdrawal. Automatically renewable.

Requirements

Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.