Best CD rates and certificates

Requirements

Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. FDIC insured up to $250,000.

Offer: 18 Month YOUTH Fair CD Special; Preferred Rate with any checking account

Requirements

Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.

Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).

Requirements

Offer: Quarterly compounding

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: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.

Requirements

Product: Daily Balance Required & $249,000 per account limit. A penalty will be imposed for early withdrawal.

Offer: 14-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000.

Requirements

Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.

Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings.

Requirements

Product: Option to bump (increase) interest rate one time for remainder of term if rate increases; option to add funds at time of bump-up request. Interest is compounded quarterly.

Offer: A penalty may be imposed for early withdrawal, and the rate may change after account opening. Fees could reduce earnings.

Requirements

Product: Must be opened at a branch (not available online). Add-On Benefit is available on all CDs with terms of 21 months or less, allowing additional deposits throughout the certificate term earning the same interest rate.

Offer: Special CD. Add-On Benefit available. Early withdrawal penalty 2%.

Requirements

Product: Not available with IRAs. Assumes interest will remain on the deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

Offer: Not available with IRAs.

Requirements

Product: Early withdrawal penalties apply. A withdrawal may reduce earnings. Membership eligibility required.

Offer: Limited time special offer. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union or Gateway Metro Federal Credit Union. Minimum opening deposit of $500. Membership eligibility required. Early withdrawal penalties apply.

Requirements

Product: Membership eligibility required. Promotional certificate of deposit. Account is subject to penalty for early withdrawal. Fees could reduce earnings.

Offer: Must be funded with money that has not been on deposit with Vantage Credit Union for 30 days prior to opening. Traditional and Roth IRA CDs not available.

Requirements

Product: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.

Offer: Compounding and crediting at maturity. Early withdrawal penalties apply.

Requirements

Product: Rates are subject to change. Applied location: ZIP 64106.

Requirements

Product: Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. A minimum balance of $1,000 is required to obtain the advertised APY, unless otherwise noted.

Offer: Minimum opening deposit of $5,000 of funds not already on deposit with St. Johns Bank. CD automatically will renew at the current 6-month posted rate as of the maturity date. This offer is subject to cancellation without notice. 3-month interest penalty for early withdrawal of funds.