Best CD rates and certificates

Requirements

Product: A substantial penalty may be imposed for early withdrawal. Rates are subject to change without notice. Fees may reduce earnings.

Requirements

Product: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.

Offer: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen.

Requirements

Product: Requires maintaining membership with $5.00 par value share. Minimum $500 balance. Dividends calculated daily and credited monthly. Early withdrawal penalty applies (3-17 months: 60 days dividends; 18 months or greater: 180 days dividends). 10-day grace period at renewal.

Offer: Dividend rate 4.22%. Monthly dividend period.

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: 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: Share certificates subject to early withdrawal penalty (forfeit 90 days dividend). A minimum of $1,000 is required to open a share certificate. Dividends can be compounded monthly and are available monthly or at maturity depending on member desire.

Offer: Share Certificates subject to early withdrawal penalty: forfeit 90 days dividend.

Requirements

Product: APY quoted requires an active STAR checking relationship. Penalty may apply for early withdrawal. APYs can change at any time.

Offer: APY quoted requires an active STAR checking relationship. Compound frequency monthly. Penalty may apply for early withdrawal.

Requirements

Product: Dividends can be compounded monthly and are available monthly or at maturity depending on the member's desire. Subject to early withdrawal penalty (term of one year or less: forfeit 90 days dividend; term of more than one year: forfeit 180 days dividend).

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: Minimum opening deposit of $250. Afena has temporarily suspended new 48-60 month certificate offerings; 48 and 60 month rates apply solely to renewals of existing certificates. Early withdrawals may result in the loss of dividend earnings.

Requirements

Product: STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Penalty may apply for early withdrawal. APYs can change at any time.

Offer: Requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing. Compound frequency at maturity. Penalty may apply for early withdrawal.