Best CD rates and certificates

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: Membership eligibility required. Penalties may be imposed for early withdrawal. Dividends earned daily and credited monthly. Member forfeits dividends if account is closed before dividends accrue.

Requirements

Product: No setup or maintenance fees. Rates are compounded daily and calculated on a 365/360 format. Penalty for early withdrawal.

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: $1000 minimum balance required. Early withdrawal penalty may be imposed. Dividends posted quarterly. Jumbo Share Certificate = $100,000 or more.

Offer: Limited time Certificate Promotion. Early withdrawal penalty may be imposed. $1000 minimum balance required.

Requirements

Product: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.

Requirements

Product: Dividends compounded and credited quarterly. Minimum opening deposit $1000.00; minimum average daily balance of $1000.00 required to obtain disclosed APY. Early withdrawal penalty applies (greater of 7 days dividends or all dividends earned). Automatic renewal at maturity with a 10 calendar day grace period.

Requirements

Product: Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.