Best CD rates and certificates

Requirements

Product: This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. The APY is based on an assumption that principal and dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal.

Offer: Can only be opened in-branch or by phone and funded with new money.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

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: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.

Offer: Limited-Time Special.

Requirements

Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.

Requirements

Product: Can only be opened in-branch or by phone and funded with new money (funds not on deposit at Golden 1 in the 30 days prior to account opening). Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal.

Offer: Must be funded with new money.

Requirements

Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.

Requirements

Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.

Requirements

Product: Offered for a limited time on short-term CDs. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Interest is compounded quarterly. Minimum opening deposit/balance is $1,000. Early withdrawal penalty may apply.

Offer: Short-term CD special.

Requirements

Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.

Requirements

Product: Limited-time special certificate. Requires $10,000 minimum deposit with 50% in new money (funds not on deposit at Valley First Credit Union in the 30 days prior to certificate opening). Must have a Valley First primary share account. At maturity, rolls over to a 6-Month Premium Certificate unless changed during the 10-day grace period.

Offer: Requires 50% of opening deposit in new money.

Requirements

Product: Substantial penalty for early withdrawal before maturity date. Loyal customer rate bonus: an extra 0.10% over the rate shown is paid on all fixed rate certificate accounts renewing (not new accounts) that have been open for a consecutive period of one year or longer. Customer receives interest rate shown if interest is withdrawn monthly or transferred; APY earned if funds remain on deposit to maturity with no interest withdrawn.

Requirements

Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.

Offer: Term is more than 3 months to 6 months (also listed as Up to 6 Months on personal CD page).