Best CD rates and certificates

Requirements

Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.

Offer: Requires $10,000 minimum balance in new money to the bank.

Requirements

Product: minimum investment of only $500 3 to 60 month terms available dividend rate fixed for the term of the certificate APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures dividends compounded and posted quarterly penalty for early withdrawal funds insured up to $250,000 by the NCUA, National Credit Union Administration

Offer: Penalty for early withdrawal.

Requirements

Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

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: Fixed-rate personal CDs. Interest may be paid by direct deposit or added to the CD; compounds quarterly, credited quarterly or at maturity. Automatic renewal after a 7-day grace period. No setup or maintenance fees. Substantial penalty for early withdrawal.

Offer: 7 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 3 months.

Requirements

Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.

Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.

Requirements

Product: Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.

Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.

Requirements

Product: 12 month term, automatically renewable. $5,000 minimum deposit required. Dividend rate may change quarterly. Dividends compounded and posted quarterly. One withdrawal allowed without penalty per calendar quarter; penalty for withdrawals exceeding the permitted limit equivalent to 3 months dividends. If balance falls below $5,000, dividend rate changes to current Regular Savings rate. Additional deposits permitted in minimum amounts of $2,500.

Offer: The dividend rate may change quarterly. Penalty for withdrawals exceeding permitted limit of one withdrawal per calendar quarter. If account balance falls below $5,000, dividend rate changes to Regular Savings account rate.

Requirements

Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.

Requirements

Product: Automatically renewable; early withdrawal penalty applies; interest compounded quarterly; options to compound interest, transfer to a deposit account, or receive check.

Offer: All CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal.

Requirements

Product: Automatically renewable; interest rates vary quarterly based on market conditions; interest compounded quarterly; resets on the 15th day of the first month of the quarter; one free withdrawal per calendar quarter; additional deposits allowed; no penalty for early withdrawals.

Offer: Includes Jumbo; effective 4/15; no penalty for early withdrawals; interest rates for variable rate accounts reset on the 15th day of the first month of the quarter; compounded quarterly.