Best CD rates and certificates

Requirements

Product: Early withdrawals and applicable fees may reduce earnings. Loss of 90 days' interest for terms 12 months or less, 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.

Requirements

Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.

Offer: The 15-month promotional CD is offered as of 7/1/2026 and is available for new money only. New money means funds that are not currently on deposit at MSGCU. This offer cannot be combined with current MSGCU deposit dollars, including rollovers from maturing MSGCU CDs. Funds are considered new money if received through cash, check, or wire transfer and CD is opened within five calendar days. Funds from an IRA direct transfer or rollover from another institution are also considered new money if deposited into the IRA share and CD opened within five calendar days. Funds withdrawn from MSGCU may not be returned and considered New Money within 90 calendar days of withdraw. Businesses, municipalities, and MSGCU team members are not eligible. Available in branches or when opening a new membership online. At maturity, renewed to a 1-year term CD.

Requirements

Product: Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.

Offer: 12-Month Certificate; Minimum Balance $500.

Requirements

Product: Offer applies to new money only — funds not on deposit at orsa within the 30 days prior to account opening. Available at orsa branches and through Care Center. Early withdrawal penalty of 180 days' dividends may be imposed. Wire transfer fees up to $50 waived.

Offer: New money only (funds not on deposit at orsa within the 30 days prior to account opening). Early withdrawal penalty of 180 days' dividends. Wire transfer fees up to $50 waived.

Requirements

Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: Rates subject to change at any time. Penalty for early withdrawal applies.

Offer: Special rate subject to change at any time without notice. Not available for Public Units and Municipalities.

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: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.

Offer: Requires an Independent Bank checking account.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: Minimum balance is $500. Dividends calculated daily, paid quarterly. Available terms range from 6 to 60 months. Auto renew options available.

Requirements

Product: Minimum to open: $100. Early withdrawal penalty applies. Wire transfer fees up to $50 waived. Stated rate accurate as of Oct 15, 2026.

Offer: 7-Month Special Certificate. Wire transfer fees up to $50 waived. Early withdrawal penalty applies.

Requirements

Product: Early withdrawal penalty applies: 3 months and 6 months - all dividends accrued; 1 to 2.5 years - 6 months of dividends accrued; 3-5 years - 9 months of dividends accrued. Available with a compounding or non-compounding option.

Offer: Term is 365 Days.

Requirements

Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.

Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).

Requirements

Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.

Offer: Requires an Independent Bank checking account.