Best CD rates and certificates

Requirements

Product: Minimum Balance for all share certificates is $1,000 and is required to earn the stated APY. Dividends compounded monthly. Penalty will be imposed for early withdrawal.

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

Offer: Limited time certificate 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: Minimum balance to open and earn APY is $500. Penalty may be imposed for early withdrawal. Seven-day grace period for withdrawals when account reaches maturity, otherwise automatic renewal will occur.

Requirements

Product: The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. There will be a 10 day period to add or withdrawal from the certificate without penalty. Early withdrawal penalty is half the term of interest.

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

Offer: For a limited time only. New money only.

Requirements

Product: Minimum deposit is $500. Automatically renewed. Dividends compounded daily. Early withdrawal penalties apply: maturity of one year or less is 31 days dividend; maturity of more than one year is 91 days dividend.

Offer: Dividends compounded daily.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Offer: Promotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply.

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: Minimum balance on all share certificates: $1,000. Interest paid monthly. Substantial penalty for early withdrawal. 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.

Offer: 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: A $2,500 minimum deposit is required to earn stated dividend rates and yields. Penalty for early withdrawal varies according to maturity. Dividends are compounded and paid monthly.