Best CD rates and certificates

Requirements

Product: Credit Union membership required by opening a $5 share savings account. Special rate promotion subject to end without notice. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate. Early withdrawal penalty applies.

Offer: Limited-time special rate. $500 minimum to open and minimum of $500 to earn advertised APY. Auto-renews / rolls over to a 12-month term at maturity at prevailing 12-month rate.

Requirements

Product: Available with a Passbook or Statement Account. Open at any branch. Early withdrawal penalties may be imposed.

Offer: 36 Month CD. Minimum balance to obtain APY is based on daily balance.

Requirements

Product: Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for Certificates that reach full maturity. Special rate promotion subject to end without notice. Rolls over to a 36-month term at maturity at prevailing rate. Early withdrawal penalty applies.

Offer: Minimum $500 requirement to open and minimum of $500 to earn advertised APY. Special rate promotion subject to end without notice. Rolls over to a 36-month term at maturity at prevailing rate.

Requirements

Product: Requires $500 minimum to open and $500 minimum balance to earn advertised APY. Penalty imposed for early withdrawal. Dividend rate and APY may change at any time.

Requirements

Product: Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for certificates that reach full maturity. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate. Early withdrawal penalty applies.

Offer: Limited time offer. $500 minimum requirement to open and minimum of $500 to earn advertised APY. Auto-renews / rolls over to a 12-month term at maturity at prevailing rate.

Requirements

Product: Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for Certificates that reach full maturity. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate. Early withdrawal penalty applies.

Offer: Minimum $500 requirement to open and minimum of $500 to earn advertised APY. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate.

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: Workers Federal Credit Union membership required ($5 minimum balance). Automatically renews at maturity into a 6-month regular term certificate or IRA unless written notice is received 30 days prior to maturity or during grace period. Simple interest paid at maturity. Substantial penalty for early withdrawal. Additional deposits cannot be made during term.

Offer: Simple interest paid at maturity. Automatically renews at maturity into a 6-month regular term certificate or IRA.

Requirements

Product: Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.

Offer: Tier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly.

Requirements

Product: Dividends are posted and compounded monthly. All share and term accounts use the average daily balance method for dividend calculation. Rates effective September 17, 2026.

Requirements

Product: Special anniversary certificate rates celebrating 100 years.

Requirements

Product: Statement Account only. Allows unlimited deposits during term and withdrawals once every seven days (early withdrawal penalty of three months interest if the account balance drops below $1,000). Open at any branch.

Offer: 6 Month Flex CD. Minimum balance to obtain APY is based on daily balance.

Requirements

Product: Not eligible for IRA. Additional deposits of $250.00 or more allowed at any time. Withdrawals must be in amounts of $250.00 or more and 7 days from last transaction or penalty equal to loss of 91 days of interest applies.

Offer: Withdrawals must be in amounts of $250.00 or more, and be 7 days from your last transaction or penalty of 91 days of interest applies. Additional deposits of $250.00 or more permitted.