Best CD rates and certificates

Requirements

Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.

Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.

Requirements

Product: Deposits are federally insured up to $250,000 by the NCUA with an additional $250,000 private insurance by ESI ($500,000 total). Penalties apply for early withdrawals.

Offer: 24-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount.

Requirements

Product: Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.

Offer: Promotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period.

Requirements

Product: $25 minimum deposit required in a share savings account to establish credit union membership. Fees could reduce the earnings on the account. Rates are subject to change without notice. You will be paid the disclosed rate until first maturity. Unless otherwise paid, dividends will be compounded every month and credited to your account monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. APY assumes all dividends remain in the certificate until maturity. Penalties may be imposed for early withdrawal. The 15 month and 6 month Certificates are nonrenewable.

Offer: The 15 month and 6 month Certificates are nonrenewable.

Requirements

Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.

Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.

Requirements

Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: Limited time offer. $5,000 minimum balance to open account. An active Bank First checking account with direct deposit is required to obtain this special. Penalty may be imposed for early withdrawal.

Offer: Interest is paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit.

Requirements

Product: Consumer CDs for terms of 30 days to 5 years; interest rate increases with term and amount invested. Interest compounded and paid quarterly for terms 6 months and older; 30 to 90 day certificates compound and are paid at maturity. Penalty for early withdrawal; fees may reduce earnings. $1,000 minimum deposit for 1-2-3-4-5 year terms.

Offer: Promotional 11 Month CD. $500 minimum balance required to obtain 4.11% APY. Penalty for early withdrawal may be imposed. Fees may reduce earnings.

Requirements

Product: Must maintain the minimum average daily balance of the account to obtain the disclosed APY. Yields declared and paid monthly. Open with as little as $2,500. Special offers for new money. Early withdrawal may require closing the certificate and may incur a penalty.

Offer: New money only. Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY.

Requirements

Product: Applications generally accepted from individuals residing in service area (Stephenson, Winnebago, Boone, Jo Daviess, Ogle, and Carroll counties in Northern Illinois).

Offer: CD Special.

Requirements

Product: Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).

Requirements

Product: Requires new money (money not currently held at any Wintrust Financial Corporation location).

Offer: Requires $1,000 opening deposit of new money (money not currently held at any Wintrust Financial Corporation location) and minimum daily balance of $0.01 to obtain APY. Assumes funds remain on deposit until maturity; early withdrawal penalties apply. Automatically renews into a CD with a different term at standard rate.

Requirements

Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Requirements

Product: Membership required. Account qualifications apply. Early withdrawal penalty applies. Maximum amount for the Share Certificate Special per member is $100,000. 91-Day, 12-Month Jumbo, and 13-Month Special Certificates are not available as an IRA certificate.

Offer: 13-Month Special. Dividend paid quarterly. Maximum amount per member is $100,000. Not available as an IRA certificate.