Best CD rates and certificates

Requirements

Product: Must be an Everwise member ($5 initial Share deposit required). Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.

Offer: Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: Automatic renewal at maturity. Compound interest paid quarterly to CD account or transferred to another bank account. Early withdrawal penalty may apply.

Offer: 23-month special certificate of deposit. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Rates are effective for a limited time.

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: Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.

Offer: 7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.

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: Minimum opening deposit is $50.00 unless otherwise noted. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.

Offer: 8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest.

Requirements

Product: Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000.

Requirements

Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.

Offer: Special rate; limited time only, rate subject to change.

Requirements

Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.

Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.

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: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.

Offer: Early withdrawal penalty is 90 days' dividends.

Requirements

Product: Must be an Everwise member ($5 initial Share deposit required). Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.

Offer: Minimum balance required to earn APY is $500. Early withdrawal penalty may apply.

Requirements

Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.

Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.

Requirements

Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.

Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.