Best CD rates and certificates

Requirements

Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.

Requirements

Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).

Requirements

Product: Minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly. Rate boosts available via CD Loyalty Special / Reward Qualifications: +0.50% dividend rate for active Visa (open/active 90 days, min 2 transactions/mo over previous 3 mos), +0.50% dividend rate for active Checking (open/active 90 days, min 4 transactions/mo over previous 3 mos), and +0.25% dividend rate for enrolling in e-Statements on or before opening CD (max loyalty reward = 1.25%).

Offer: Base Rate + 1.25% (active Visa, active Checking, and enrolled in e-Statements)

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 This is a limited time offer and may be withdrawn at any time without notice.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

Offer: Limited time offer. Interest compounds quarterly. Subject to early withdrawal penalty.

Requirements

Product: Membership eligibility applies. Early withdrawal penalties apply and may reduce earnings. Limited time offer.

Offer: Annual Percentage Yield (APY) is based on an investment as of 10/01/26. Early withdrawal penalties apply and may reduce earnings. Limited time offer. At maturity, renews to Standard Share Certificate at the closest term not exceeding existing term at current rate unless specified.

Requirements

Product: Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Unless otherwise noted, minimum balance to open and obtain stated APY is $1,000.00.

Offer: 9 Month Special - Digital Only (online accounts only)

Requirements

Product: An UTMA can be opened using a Certificate of Deposit. Penalty may be imposed for early withdrawal. The APY assumes principal and interest remain on deposit for the term of the certificate.

Offer: CD special. Competitive, fixed rates with automatic renewal. Interest can be paid directly or reinvested; interest credited before maturity may be withdrawn without penalty. Early withdrawals are subject to penalty and will reduce earnings.

Requirements

Product: Early withdrawal penalty applies. Daily balance required for rate qualification.

Offer: Early withdrawal penalty applies. Minimum opening deposit $2500.

Requirements

Product: Interest rates set weekly. Automatic renewal convenience. CD rates are fixed upon opening the account. Early withdrawal penalties apply.

Offer: Early withdrawal penalties apply.

Requirements

Product: Consumer Online Banking Only. Early withdrawal penalty may apply. Interest is compounded monthly and assumes interest remains on deposit. Offer available for a limited time.

Offer: Consumer Online Banking Only. Early withdrawal penalty may apply.

Requirements

Product: Substantial penalty applies for early withdrawals. Requires $1,000 minimum opening deposit. Special promotional terms require new money (funds not already on deposit at b1BANK).

Offer: Requires new money, funds not already on deposit at b1BANK. Substantial penalty applies for early withdrawal.

Requirements

Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.

Requirements

Product: Terms from 3 to 24 months. Minimum deposit of $1,000. Certificates allow members to earn higher dividends on larger account balances deposited for longer time periods.