Best CD rates and certificates

Requirements

Product: Dividends compounded and credited quarterly. Penalty for early withdrawal.

Requirements

Product: Fixed rates; no setup or maintenance fees; interest earnings can be withdrawn without penalty; penalty applies if principal is withdrawn before maturity; $5,000 minimum balance required to receive monthly ACH transfer of interest.

Offer: Current Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity.

Requirements

Product: Rates subject to change without notice.

Requirements

Product: $1,000 minimum deposit required. Flexible terms. Interest compounded and credited monthly; monthly interest distribution available. Early withdrawal penalties may apply.

Offer: $1,000 minimum deposit required to open and attain the stated APY. Early withdrawal penalty may apply. Compounded and credited monthly.

Requirements

Product: Promotional rate excluded from Member Appreciation Program. Early withdrawal penalty may be imposed. Renews at current rate upon maturity. Membership share of $5.00 required.

Offer: Online only through Member Service Center (not available in branches). Limited to residents of Richland County, Ohio, targeted through Google Ads. Must initially apply for standard 6-month certificate; rate increased once residency is verified. Excluded from Member Appreciation Program and not available to Business or Catholic Organizations. Valid beginning June 10, 2025.

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 This is a limited time offer and may be withdrawn at any time without notice.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: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Offer: 37 Month; Under $150,000; CD automatically renews at 12 month term

Requirements

Product: Individual and joint accounts only; businesses not eligible. Open to anyone who lives, works, worships, or attends school in Stark, Carroll, Portage, Summit, Tuscarawas, or Wayne County. Early withdrawal penalty applies and may reduce earnings. No setup or maintenance fees.

Offer: 8 Month Special, Jumbo Certificate tier ($10,000 and more). Minimum of $10,000 required. At maturity, automatically renews into a 12-month share certificate at the rate in effect / commensurate to the balance at renewal.

Requirements

Product: Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.

Offer: PremiumPlus Membership (Basic + 25 bps).

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.

Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.

Requirements

Product: Relationship is defined by having a Main Street Bank checking account with transactions during the last 30 days, or opening a checking account on the same day as opening the Relationship CD. The Bank reserves the right to limit Relationship CD Specials to a maximum deposit amount of $250,000. All Relationship CD Specials automatically renew as a 12 month CD.

Offer: Choose Your Term Relationship CD Special (6 month term). Requires qualifying checking relationship. Automatically renews as 12 month.

Requirements

Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.

Offer: Family Advantage Platinum tier.

Requirements

Product: Terms range from 3 months to 6 years. Early withdrawal penalty applies. Special rate offers limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions.

Offer: Special rate offer limited to $1 million per depositor. Not available for Brokers/Agents/Public Funds/Financial Institutions. Penalty for early withdrawal.