Best CD rates and certificates

Requirements

Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.

Offer: Relationship rate requires Direct Deposit Checking.

Requirements

Product: Minimum balance to open is $500. Early withdrawal penalties apply.

Offer: Minimum balance to earn APY $5,000.

Requirements

Product: After the first six months of account term, allows adding funds up to original balance, bumping rate once per term, and making a one-time penalty-free withdrawal of up to 50% of original balance. Rates could change after account is opened. Subject to early withdrawal penalty.

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: Dividends compounded and paid quarterly. A penalty may be imposed for early withdrawal of funds. Terms range from 3 months to 5 years.

Offer: MaxYield Rate

Requirements

Product: Certificates may have penalty imposed for early withdrawal. Rates subject to change without notice. Minimum balance requirements vary by term and tier.

Requirements

Product: Rates could change after account is opened. Rates are subject to change without advance notice. APY assumes interest is added to account. Term Certificates of Deposit may be subject to early withdrawal penalty.

Requirements

Product: Membership eligibility required, which requires a minimum balance of $25 in a Public Service Credit Union Shares Account. Early withdrawal penalties apply.

Offer: Offer available starting July 20, 2026 through August 14, 2026.

Requirements

Product: $1,000 minimum to open and earn APY. 18-Month CD allows adding $500 or more to balance at any time during the life of the CD.

Offer: 13 Month Special

Requirements

Product: APY calculated using monthly compounding. Penalty for early withdrawal.

Offer: Monthly compounding. Penalty for early withdrawal.

Requirements

Product: The 7 month CD is subject to the terms and conditions of a 182 day CD; the 15 month CD is subject to the terms and conditions of a 1-year CD; the 32 month CD is subject to the terms and conditions of a 30 month CD. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal.

Offer: Subject to terms and conditions of a 182 day CD. Penalty may be imposed for early withdrawal. Interest must remain on deposit until maturity.

Requirements

Product: Automatically renews at maturity. Subject to early withdrawal penalties.

Offer: Automatically renews at maturity. Subject to early withdrawal penalties.

Requirements

Product: Early withdrawal penalty may be imposed. Additional deposits allowed on terms of 1 year or less with a minimum of $50 and an accumulated maximum of $250,000.

Offer: 1 year term.

Requirements

Product: $1,000 minimum balance to open. Monthly compounding and crediting. Daily balance computation method. Early withdrawal penalties apply. Automatic renewal at maturity with 10-day grace period.

Requirements

Product: Most CDs are automatically renewable. Special CD terms renew automatically into a standard term upon maturity. A penalty may be imposed for early withdrawal.

Offer: CD Specials up to $250,000 per term available to new or existing Peoples State Bank active checking account customers or to those with $10,000.00 in new money to Peoples State Bank. An active checking account requires aggregated $500+ in ACH direct deposits or mobile deposits monthly. Renews automatically into standard term. A penalty will be imposed for early withdrawal. Not available for brokered funds.