Best CD rates and certificates

Requirements

Product: Must be a member of The Summit FCU. Share certificate accounts automatically renew at maturity. 7-calendar-day grace period after maturity. Early withdrawal penalty applies (terms of 1 year or less: 90 days dividends; terms of more than 1 year: 180 days dividends).

Offer: 12 Months term. Penalty applies for early withdrawal. Additional deposits not allowed.

Requirements

Product: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits. Early withdrawal penalty may apply. Limited time offer.

Offer: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits.

Requirements

Product: Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.

Offer: NEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies.

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: Minimum opening balance is $1,000 for terms less than 45 days (31-day term) and $500 for terms greater than 45 days. Compounding frequency is quarterly for 3-month to 120-month terms and none for the 31-day term. Early withdrawal penalties apply.

Requirements

Product: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.

Requirements

Product: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.

Offer: Compounded monthly. Penalty for early withdrawal.

Requirements

Product: Must be 18 years of age or older. Must be a Beginnings Credit Union member with accounts in good standing. Business and Trust accounts are not eligible. Limited to one Lucky Savers account in NY State. Can make deposits into Lucky Savers Certificate at any time. The APY is fixed for the initial term; at renewal, the APY is variable and may change. Penalty imposed for early withdrawal. Compounded monthly. $0 monthly service fee. NCUA insured.

Offer: Fixed APY for initial 12-month term; variable at renewal. Compounded monthly. Early withdrawal penalty applies. Every $25 deposit earns a prize entry (up to 10 entries per month).

Requirements

Product: Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.

Requirements

Product: Minimum opening deposit and balance to obtain APY is $500. Guaranteed APY for the initial 6 months of the 24-month term or 12 months of the 60-month term. Thereafter, ESL may call the certificate once every six months; if not called, the original APY remains fixed for each six-month period. Early withdrawal penalty is 180 days of dividends.

Offer: Guaranteed APY for the initial 12 months, after which ESL may call the certificate once every 6 months.