Best CD rates and certificates

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: 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: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.

Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.

Requirements

Product: Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.

Offer: Special CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee.

Requirements

Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.

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: 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

Offer: Special rate. ADVANTAGE customers not eligible for higher rate with this CD special. Penalty may be imposed for early withdrawal.

Requirements

Product: Early withdrawal penalties may apply. Fees may reduce earnings. Quarterly compounding interest.

Offer: Limited time special promotion. Not eligible for monthly or quarterly interest checks.

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.

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.