Best CD rates and certificates

Requirements

Product: Rates may change at any time after account opening. Early withdrawal penalty may apply. Eligible for Member Perks bump upon qualification and request at CD opening (must have savings and checking with debit card, eStatements, and Easy Saver). No minimum deposit to open.

Offer: 7-Month CD Special with Member Perks rate bump. At maturity, promotional certificate will mature into a 6-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts; new memberships funded entirely from outside iQ. Requires savings and checking account with active debit card, enrollment in eStatements and Easy Saver program.

Requirements

Product: Requires monthly deposit of $250.00 ($100.00 minimum monthly deposit in account disclosures). Minimum balance required to open is $250.00. No additions in the last seven days before maturity.

Offer: $250 monthly deposit required

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Minimum balance of $1,000.00 ($500.00 for children under age 18 / under age 21). Dividends compounded and credited monthly. Early withdrawal penalty applies.

Offer: Minimum balance to open and earn stated APY is $1,000.00 ($500.00 for youth). Early withdrawal penalty applies.

Requirements

Product: Federally insured by NCUA up to $250,000. Membership eligibility required. Fixed rate and term. Penalty applies for early withdrawal. 10-day grace period at maturity for penalty-free renewals and additional deposits. Dividends compounded and credited monthly based on daily balance method. Dividends can be paid and transferred monthly to another account (reduces APY).

Offer: Early withdrawal penalty: dividends since issuance/renewal or 120 days dividends, whichever is smaller. Dividends compounded and credited monthly. Daily balance method.

Requirements

Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

Requirements

Product: Minimum deposit of $500. Dividends are compounded and credited monthly. Penalty applies for early withdrawal.

Requirements

Product: Additions allowed up to the original opening balance in minimum amounts of $500. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

Requirements

Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.

Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.

Requirements

Product: Allows increasing savings with no minimum and no maximum balance. Greater dividend rate compared to a standard savings account. Premier Plus Checking members receive a 0.25% APY certificate rate bump valid on new certificate accounts (must maintain Premier Plus).

Offer: No minimum and no maximum balance.

Requirements

Product: Earnings are paid out and grow each month. Have certificates transfer to savings or automatically renew. Premier Plus Checking members receive a 0.25% APY certificate rate bump valid on new certificate accounts (must maintain Premier Plus).

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.

Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.

Requirements

Product: Gives a one-time option to increase dividend rate if rates go up. Allows a one-time additional deposit or withdrawal during the term (limits apply). Premier Plus Checking members receive a 0.25% APY certificate rate bump valid on new certificate accounts (must maintain Premier Plus).

Offer: One-time option to increase dividend rate if rates rise; one-time additional deposit or withdrawal permitted during term subject to limits.