Best CD rates and certificates

Requirements

Product: Special certificate accounts offered at the discretion of the credit union and subject to change at any time. Automatic renewal rules apply (5-month renews at 6-month rate/term; 9-month renews at 1-year rate/term). 9-Month special is restricted to residents of specific Northern Kentucky ZIP codes. TruBlue pricing does not add additional boost or rate is already matched.

Offer: 9-Month Northern Kentucky Special. Available for residents of specified Northern Kentucky ZIP codes: 41011, 41012, 41014-41018, 41051, 41053, 41063, 41005, 41021, 41022, 41042, 41048, 41080, 41091, 41092, 41094, 41099, 41001, 41007, 41059, 41071-41076, 41085. Renews at the 1-year rate and term. Fixed rate. Automatic renewal.

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 This is a limited time offer and may be withdrawn at any time without notice.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: All certificates are automatically renewable. $5,000.00 initial deposit required except those age 18 and under may open with $500. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. Public funds over $250,000.00 excluded from this offer.

Offer: 12 thru 18 Month Certificate of Deposit. $5,000.00 initial deposit required except those age 18 and under may open with $500. Public funds over $250,000.00 excluded.

Requirements

Product: Guaranteed fixed rate certificate. PFI members unlock rates up to 4.25% APY with checking account and direct deposit. APY accurate as of 1/1/26.

Offer: PFI rate. Requires Primary Financial Institution (PFI) relationship (open checking account and set up direct deposit).

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: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.

Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.

Requirements

Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.

Requirements

Product: Add .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over. Certificates must be at least $2,500 to qualify for monthly dividend payments. Advantage Plus Checking PLUS Benefit: .25 added to Share Certificates of $25,000 or more.

Offer: Certificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over.

Requirements

Product: Available to residents in the local market area of Huntington Federal. Subject to penalty for early withdrawal. Rates guaranteed for the term of the certificate. Account fees may affect earnings.

Offer: 12 Month C.D.

Requirements

Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.

Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.

Requirements

Product: Available online and at branch offices in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. APY is accurate as of 05/01/2026 and applies to the initial term. Assumes interest is credited quarterly and remains on deposit until maturity. Automatically renews at maturity for the same term at the interest rate and APY in effect at that time. Substantial penalty for early withdrawal.

Offer: Minimum balance to open and obtain APY is $1,000. Interest is credited quarterly and remains on deposit until maturity. Automatically renews for the same term at maturity. Substantial penalty for early withdrawal.

Requirements

Product: $1,000.00 minimum balance; early withdrawal penalty may apply. Funds are disbursed to shares at maturity. Dividends are paid monthly, either to an alternate share account or back to the certificate.

Offer: $1,000.00 minimum balance; early withdrawal penalty may apply. Funds are disbursed to shares at maturity.

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.