Best CD rates and certificates

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: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Automatically renews into an 18 month CD at maturity.

Offer: Includes 0.20% bonus for opening and/or maintaining a FFBT checking account with a $1,000 minimum daily balance therein.

Requirements

Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.

Requirements

Product: Interest may be compounded on the certificate or interest checks/transfers may be received on a monthly, quarterly, semi-annual or maturity basis. Jumbo Certificate of Deposits: Balances $100,000 or more add 0.100% to the certificate rate. Up to $5,000,000.00 per individual or entity.

Offer: CD Special; CD Special rates are not applicable for Individual Retirement Accounts. Term: 13 Months. Early withdrawal penalty: 6.5 Months.

Requirements

Product: A penalty may be imposed for any CD withdrawals before maturity. Fees may reduce earnings on account.

Requirements

Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.

Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.

Requirements

Product: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Only one CD per tax identification number. Deposits may be made throughout the term but cannot exceed the initial deposit amount. One penalty-free withdrawal allowed after 30 days from account opening. Automatically renews into a 12 month CD at maturity.

Offer: Reflects 0.20% bonus for opening and/or maintaining an FFBT checking account with a $1,000 minimum daily balance therein. Interest paid monthly.

Requirements

Product: A CD is also called a "time deposit." Funds must be kept for a specific period of time to avoid early withdrawal penalties. A penalty may be imposed for any CD withdrawals before maturity. Fees may reduce earnings on account.