Best CD rates and certificates

Requirements

Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: A minimum of $10,000 in new money is required to open this account and get the special rate. \"New money\" is defined as funds not currently on deposit with FCCB. Fees may reduce earnings, and a penalty may be imposed for early withdrawal. Interest is compounded quarterly, and an active checking account is required.

Offer: 17-Month CD Special; requires $10,000 minimum new money and active checking account

Requirements

Product: Fixed rate time deposits. Dividends paid only at maturity on 6-month certificates; may be paid at maturity on terms not exceeding one year; on 12 to 60 month certificates, dividends may be paid monthly or quarterly by being deposited into a share account, mailed, or compounded back into the certificate.

Offer: Early withdrawal penalty: 1 Year.

Requirements

Product: Promotional certificate offers available for a limited time. Requires eligibility for credit union membership. Minimum opening deposit of $500.00 with a maximum balance of $100,000.00. Limit one certificate per member, per SSN. Certificate does not renew automatically at maturity; at the end of the term, balance automatically transfers to the membership share account. Early withdrawal penalty applies.

Offer: Promotional rate available to members with an active checking account, defined as one with full direct deposit each month.

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: Share Certificates will renew at the current rate for the selected term. Minimum deposit of $500.00.

Requirements

Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. On maturity date automatically renews as the standard 12-month term certificate. Penalty for early withdrawal. Dividends compounded and credited monthly.

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 of $500.00 to open. Dividends/interest paid semi-annually (every six months) and directly deposited into regular shares unless otherwise requested. Penalty applies for early withdrawal (30 days interest). Automatically renewed for original term at the most current rate unless member notifies Credit Union of a term change.

Offer: Dividends paid semi-annually to regular shares; early withdrawal penalty applies.

Requirements

Product: Interest compounded quarterly. Penalty for early withdrawal may apply. $5,000 minimum deposit to open.

Requirements

Product: $500 minimum deposit to open. Term options from 3 months to 5 years. Interest compounded quarterly. Early withdrawal penalty may apply.

Requirements

Product: A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.

Requirements

Product: Minimum deposit $500. Add 10BP over $25,000.00. Rates may change without prior notice.

Offer: Add 10BP over $25,000.00.

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.