Best CD rates and certificates

Requirements

Offer: Rates as of August 27, 2026. APY assumes interest will remain on deposit until maturity. Early withdrawal fees may apply. Minimum balance to obtain APY is $1,000.00.

Requirements

Product: Rate may change after the account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the advertised APY will be made at the end of the term or quarterly, whichever occurs first. A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year. A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice. CDs are automatically renewed after 10 day grace period past maturity.

Requirements

Product: Penalties may be imposed for early withdrawal.

Offer: Less than $10,000 Minimum Daily Balance to Earn Annual Percentage Yield; 1 Year term.

Requirements

Product: Certificate penalty for early withdrawals applies; during the first three months all dividends are forfeited.

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: Requires new money, which can consist of money from matured Ergo Bank CDs, savings, money market, and checking accounts. Non-renewable at maturity. Early withdrawal penalties apply.

Offer: 7 Months Special. Requires new money. Non-renewable at maturity. Early withdrawal penalties apply.

Requirements

Product: Limited time offer; will end without warning. $1,000 minimum opening deposit ($500 for minors). Auto-renews to a 12-month term at maturity. 90-Day penalty for early withdrawal. Membership eligibility required.

Offer: $1,000 minimum opening deposit ($500 for minors). Auto-renews to 12-month term at maturity. 90-day penalty for early withdrawal.

Requirements

Product: $500 deposit required to open; $500 daily balance required to earn dividends. Penalties may be imposed for early withdrawal. Fees may reduce earnings. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 Excess Share Insurance). Rates may change at maturity.

Offer: Dividend frequency: Monthly.

Requirements

Product: Dividends for 3-month and 6-month certificates are paid at maturity. Dividends for 1-year through 5-year certificates are paid quarterly.

Offer: Dividends paid quarterly

Requirements

Product: Minimum opening deposit for Regular Share Certificate is $1,000 ($500 for minors). Balances below $1,000 ($500 for minor) may be subject to penalty and will reduce the stated APY. Early withdrawal penalty may apply. Membership eligibility required.

Offer: Minimum opening deposit $1,000 ($500 for minors).

Requirements

Product: Requires new money. Early withdrawal penalty applies. Withdraw or reinvest funds at full maturity.

Offer: Early withdrawal penalty applies. Requires new money.

Requirements

Product: Membership eligibility required. $250.00 minimum opening deposit required. A penalty will be imposed for early withdrawal (90 days of dividends). Fixed rate at time of purchase for entire term. Dividends calculated daily with a variety of payment options available.

Offer: Rates subject to change. Penalty for early withdrawal.

Requirements

Product: $1,000.00 initial deposit requirement. No minimum balance to earn Annual Percentage Yield (APY). Fixed interest rate for entire term. Automatically renews into a CD with the same term. Penalty will or may be imposed for early withdrawal.

Offer: No compounding during term. Interest credited at maturity.