Best CD rates and certificates

Requirements

Product: Fixed rate locked for term. Dividends compound daily. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty applies. Must maintain membership share in Primary Savings.

Offer: Minimum balance of $250 required to earn stated APY. Fixed rate for 60 months.

Requirements

Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.

Offer: Interest payout is mandatory and must transfer monthly to another SECU deposit account.

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 This is a limited time offer and may be withdrawn at any time without notice.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: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Fixed interest rate. Available for a limited time. Dividends compounded and credited quarterly. Penalty may be imposed for early withdrawal. Certificates are not subject to auto-renewal, except the 6-month and 12-month certificate, which will auto-renew. No monthly service charges.

Offer: Not subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

Requirements

Product: Offered only to customers that are an owner of an active Benchmark Community Bank (BCB) checking account that has had one or more deposits of at least $100 AND six or more debits in the last 30 days. New customers who open a primary checking relationship are also eligible. $500 minimum opening deposit. Certificate of deposit is not available as an Individual Retirement Account (IRA). Penalty may be imposed for withdrawals made before maturity. Interest is compounded quarterly. At maturity, automatically renews for the 12-month term at the then current non-promotional rate.

Offer: Offered only to customers that are an owner of an active Benchmark Community Bank (BCB) checking account that has had one or more deposits of at least $100 AND six or more debits in the last 30 days. New customers who open a primary checking relationship are also eligible. Not available as an IRA. Interest compounded quarterly. Penalty may be imposed for early withdrawal. Automatically renews for 12-month term at then current non-promotional rate.

Requirements

Product: $500 minimum to open. Penalty for early withdrawal. Interest is compounded quarterly.

Offer: Premium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal.

Requirements

Product: Minimum opening deposit $500. Available at branch locations.

Offer: Term: 3 to 5 months.

Requirements

Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.