Best CD rates and certificates

Requirements

Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.

Offer: Penalty for early withdrawal.

Requirements

Product: All certificates can be opened with just $500 (only $250 for minors). Offered at terms from 3 to 60 months. Dividends compound daily and are posted monthly to your certificate or savings account. Renewable with a 10-day grace period. Penalty for early withdrawal.

Offer: Renewable with a 10-day grace period. Penalty for early withdrawal.

Requirements

Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.

Offer: Requires Diamond Relationship Package Qualifications.

Requirements

Product: Early withdrawal penalty applies. Minimum balance $200 required for standard terms. Tiered balance threshold is $20,000.

Offer: Variable rate.

Requirements

Product: All certificates require a $5 minimum opening balance and a $5 Membership Share account. A penalty may be imposed for early withdrawal. Federally insured by NCUA.

Offer: 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. $5 Membership Share account required. Early withdrawal penalty may apply.

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 This is a limited time offer and may be withdrawn at any time without notice.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: Cannot be combined with any other offer or rate enhancements. Penalty for early withdrawal.

Offer: Cannot be combined with any other offer or rate enhancements. Penalty for early withdrawal.

Requirements

Product: No setup or maintenance fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.

Offer: Special Term*. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 19-Month CD will automatically renew to a term of 18-Months.

Requirements

Product: A minimum deposit of only $500 makes it easy to start at any time.

Requirements

Product: $250 deposit required to open this account. $250 min. average daily balance required to earn dividends. There may be a penalty for early withdrawal. Dividends compounded monthly. Insured up to $250,000 by NCUA.

Requirements

Product: $500.00 minimum balance to open. Dividends are paid monthly. Early withdrawal penalty is 90 days' dividends. Automatic renewal with 10-day grace period. Par value of one share is $5.00 (5 shares required for membership).

Offer: Dividends paid monthly. May be a penalty for early withdrawal.

Requirements

Product: Limited-time consumer CD special; not available for institutional funds; automatically renewable for 12 months at the rate then in effect; penalty may be assessed for early withdrawal; fees could reduce earnings; offer subject to management discretion and may be canceled at any time.

Offer: Limited time. Effective beginning September 30, 2026; APY accurate as of September 30, 2026. Interest paid semiannually. $1,000.00 minimum opening deposit and minimum balance to receive disclosed APY. $250,000 household maximum deposit. CD automatically renewable for 12 months at the rate in effect at that time. Not available for institutional funds.

Requirements

Product: Available for a minimum deposit of $500 with terms from 6 to 60 months. Certificates automatically renew. May be used as security to get a better rate on your next loan. A penalty will be imposed for early withdrawal.

Offer: 7 Month Special. Minimum balance of $500 required to open and earn dividends. Early withdrawals may be subject to a penalty.