Best CD rates and certificates

Requirements

Product: Wayne Bank provides a full range of options with high interest for Certificate of Deposit investors. Consult a tax advisor regarding tax implications involved in IRAs.

Offer: 20 Month Promo with Checking Account

Requirements

Product: Variable APY based on Effective Federal Funds Rate (EFFR) in effect on the last Thursday of each quarter. Minimum opening balance $750. APY effective as of 10/1/26.

Offer: Base rate.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

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

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: A depositor must be enrolled in one of our reward programs to qualify. A penalty may be imposed for early withdrawal which could reduce the earnings on the account.

Offer: Interest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal.

Requirements

Product: A penalty may be imposed on all savings certificates for early withdrawal, which could reduce the earnings on the account.

Offer: Interest compounds quarterly. A penalty may be imposed for early withdrawal.

Requirements

Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.

Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.