Best CD rates and certificates

Requirements

Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

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: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: Available for a limited time to new customers within Capra Bank market area (Dubuque, Lubbock, Albuquerque, Boise). Limited to one CD special per household/SSN. Must have or open and maintain an active Elevate or Summit checking account. New customers are individuals without a past relationship with Capra Bank in the past 12 months. Allows one rate increase request during the term if Capra Bank's offered rate for the 18-month CD increases after the first 6 months from opening date.

Offer: Valid for new customers with new money (funds not previously held by Capra Bank within past 12 months) of $10,000.00 to $1,000,000.00. Requires opening and maintaining an Elevate or Summit checking account. Early withdrawal penalty equal to 2.25% of principal balance if closed prior to maturity.

Requirements

Product: Dividends compounded and credited semi-annually. Penalty will be imposed for early withdrawal. Fees could reduce earnings.

Offer: Fixed Certificate Special. Minimum amount required to open is $1,000.

Requirements

Product: Special Share Certificates require a $5,000 minimum deposit. 3-11 month products paid monthly, others paid quarterly.

Offer: Dividends paid quarterly.

Requirements

Product: Penalty for early withdrawal for CDs. Fees may reduce earnings. Consumer rates only. Open a CD with $500 or more. Interest can be mailed semi-annually, compounded semi-annually, or credited to checking/savings.

Offer: CD Special. Other restrictions apply. See bank for details.

Requirements

Product: Must meet membership eligibility requirements. Requires $1,000.00 to open and earn APY. Penalty may be assessed for early withdrawal. Rates for renewing Certificates may differ from rates available for new-money deposits; higher promotional rates may be available for new funds from outside the credit union.

Offer: APY assumes dividends remain in account until maturity. Penalty may be assessed for early withdrawal.

Requirements

Product: FDIC insured fixed-rate deposit account. No maintenance fees. Early withdrawal penalties apply. Automatic renewal at maturity with a 10-calendar-day grace period to redeem.

Offer: Must maintain a balance equal to the original opening deposit of $10,000 to earn disclosed interest rate and APY. Monthly compounding and crediting. Penalty may be imposed for early withdrawal. Auto-renews for 9 months at the 6-month CD rate at time of renewal.

Requirements

Product: Must meet membership eligibility requirements. No minimum to open and no minimum balance required to earn APY. Additional deposits permitted throughout the term of any dollar amount. Partial withdrawals are not permitted; full balance may be withdrawn prior to maturity without an early withdrawal penalty, which will result in the account being closed. Not available as an IRA CD.

Offer: 13 Month Liquid CD is not available as an IRA CD. Additional deposits permitted. Early withdrawal of entire balance permitted without penalty, closing the account; partial withdrawals not permitted.

Requirements

Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

Requirements

Product: When depositing to certain Share Certificates, members have the option of changing the rate once on that certificate for its remaining term at the rate currently being offered by AIM Credit Union. Regular Share Certificates require a $1,000 minimum deposit. 3-11 month products paid monthly, others paid quarterly.

Offer: Dividends paid quarterly.

Requirements

Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.