Best CD rates and certificates

Requirements

Product: Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.

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: 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: This promotion may end at any time and applies to consumer accounts only. This promotion is only available for non-IRA CDs. Dividends compounded and credited quarterly. Early withdrawal penalty of 90 days dividends applies. 10-day grace period upon maturity.

Offer: Fixed term 15 Month. Promotional certificate available for non-IRA CDs only.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Open with $500. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalty applies. Dividends credited and compounded quarterly.

Offer: Fixed term 1 Year.

Requirements

Product: Eligible members include new members or existing members who have not previously opened a certificate of deposit with Credit Union of the Rockies. After 12-month term, auto-renews at the traditional 12-month CD rate offered at that time. Always offers the highest rate available at the time it is opened. Early withdrawal penalty may apply.

Offer: Available to new or existing members who have not opened a CD with Credit Union of the Rockies before. Auto-renews at the traditional 12-month CD rate at maturity.

Requirements

Product: Dividends are compounded and paid monthly and at maturity. Early withdrawal penalty applies (30 days dividends for terms less than a year, 90 days dividends for terms of 1 or more years). Account automatically renews at maturity. Opening minimum $500.

Requirements

Product: Additional deposits of $50.00 or greater are allowed on 90 day and 6 month Add-on Certificates only. Dividends credited and compounded quarterly. Early withdrawal penalty applies.

Offer: Fixed term 6 Month Add-on Certificate.

Requirements

Product: Minimum deposit $1,000, maximum deposit $10,000. Allows unlimited additional deposits throughout the 12-month term. Early withdrawal penalties apply. Automatically renews at maturity for 12 months at current Balance Builder CD rate.

Offer: Allows unlimited additional deposits throughout the 12-month term. Early withdrawal penalties apply.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Product: Minimum deposit $1,000, maximum deposit $10,000. Allows for 1 monthly withdrawal without penalty for a total of 12 withdrawals throughout the CD term. Must maintain a minimum $1,000 monthly balance to keep the APY; if balance drops below $1,000, the rate reverts to standard savings account rate. No additional money can be added until maturity. Automatically renews at maturity for 12 months at current Safety Net CD rate.

Offer: Must maintain $1,000 minimum monthly balance to keep APY. Allows 1 monthly withdrawal without penalty.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.