Best CD rates and certificates

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 This is a limited time offer and may be withdrawn at any time without notice.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: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Automatically renews into an 18 month CD at maturity.

Offer: Includes 0.20% bonus for opening and/or maintaining a FFBT checking account with a $1,000 minimum daily balance therein.

Requirements

Product: Contact bank for current rate and availability. Promotional rate may remain available after expiration date (10/27/2026). Fees or other conditions could reduce earnings on the account. A penalty may or will be imposed for early withdrawal. Certificate will automatically renew with applicable rate at time of maturity.

Offer: Offer ends 10/27/2026. Alternative terms are not permitted.

Requirements

Product: Limited-time offer expiring September 30, 2026. Interest compounds quarterly and goes back into the CD (vs monthly interest checks). Penalty may be imposed on early withdrawal.

Offer: Expires September 30, 2026. $1,000.00 minimum deposit / minimum balance to obtain advertised APY. Interest compounding quarterly into CD. Early withdrawal penalty may apply.

Requirements

Offer: SPECIAL RATE: 11 MONTH. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings.

Requirements

Product: Must be opened in person by the primary account holder with proper identification. After opening, deposits or withdrawals are not permitted until maturity without penalty. Auto-renews at maturity; 10 calendar days grace period. Current rates effective as of September 29, 2026.

Offer: 48 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest.

Requirements

Product: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Only one CD per tax identification number. Deposits may be made throughout the term but cannot exceed the initial deposit amount. One penalty-free withdrawal allowed after 30 days from account opening. Automatically renews into a 12 month CD at maturity.

Offer: Reflects 0.20% bonus for opening and/or maintaining an FFBT checking account with a $1,000 minimum daily balance therein. Interest paid monthly.

Requirements

Product: Interest on CDs may be credited to the account quarterly, or paid via quarterly check, monthly check, quarterly transfer, or monthly transfer.

Offer: Interest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer.

Requirements

Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.

Requirements

Offer: Step period 1 (months 1-7)