Best CD rates and certificates

Requirements

Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.

Offer: Early-withdrawal penalties may apply. Dividends credited monthly.

Requirements

Product: Share Savings with a minimum balance and membership eligibility is required. Early withdrawals are subject to penalty. No setup or monthly maintenance fees.

Offer: Penalty may be imposed for withdrawals prior to maturity.

Requirements

Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.

Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.

Requirements

Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.

Requirements

Product: Allows adjusting/increasing the interest rate one time during the certificate term.

Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.

Requirements

Product: Fixed rate for the term. Dividends credited and compounded monthly unless otherwise paid. Non-compounding Certificates available at reduced rates and APYs. Penalty for early withdrawal.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.

Offer: Includes one-time rate bump option during certificate term.

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: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: No setup fees. Minimum initial deposit is $1,000.

Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).

Requirements

Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.

Requirements

Product: Certificate terms range from 3 months to 5 years. Dividends can either be paid monthly, or compounded monthly and paid at maturity. Early withdrawal of funds may result in loss of interest income.

Requirements

Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.

Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.