Best CD rates and certificates

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: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.

Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Fixed rate for a 5-month term. Early withdrawal penalty may apply.

Offer: Requires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly.

Requirements

Product: Fixed rate for a 9-month term. Early withdrawal penalty may apply.

Offer: Requires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly.

Requirements

Product: Minimum balance to open a certificate is $500. Must be a Peak Credit Union member to qualify. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal. Automatically renews at maturity if not closed. No monthly maintenance fee.

Offer: Promotional certificate rate. Reverts to non-promotional 12-month term upon maturity. 7-day grace period applies.

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: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.

Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.

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: Bump option can only be exercised once during the term of the Certificate and does not extend the term of the certificate. The new interest rate will not be applied retroactively and will be the rate offered on regular certificates with the same term and minimum balance. Minimum balance to open is $500. Early withdrawal penalties apply.

Requirements

Product: Terms range from 6 to 84 months. Dividends compounded and credited monthly. Zero fees; early withdrawal penalties apply (90 days dividends for 6-60 months, 365 days for 84 months). Additional deposits only during 10-day grace period and maturity.

Requirements

Product: Unlimited additional deposits throughout the term up to an aggregate maximum of $5 million per primary account holder SSN or business Tax ID. Early withdrawal penalties may be imposed.

Offer: Dividends compounded and credited monthly; calculated by Average Daily Balance method. Early withdrawal penalty is 90 days of dividends. Unlimited additional deposits up to aggregate maximum of $5,000,000.