Best CD rates and certificates

Requirements

Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.

Offer: Limited-time offer. See kirtlandcu.org/18 and kirtlandcu.org/30 for complete details.

Requirements

Product: Quarterly dividends. Dividend transfer available on 24-60 month terms. Rising Rate Option available on 48 and 60 month terms allowing dividend rate and APY to change once during original term to current rate for same term. Bonus rate condition adds +0.10% each for active checking account, full direct deposit, active SECU credit card, active consumer loan, and current mortgage (+0.50% max).

Offer: Bonus Rate APY requires relationship bonus conditions (active checking +0.10%, full direct deposit +0.10%, active SECU credit card +0.10%, active consumer loan +0.10%, current mortgage +0.10%). Early withdrawal penalty: 90 days interest.

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: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.

Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.

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: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.

Requirements

Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.

Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.

Requirements

Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.

Requirements

Product: During the term, account owner may withdraw up to 50% of account balance once per calendar month without penalty. Withdrawals over 50% incur a penalty equivalent to 180 days' worth of dividends on the remaining amount. Early withdrawal penalty may apply. Available to personal and business members.

Offer: Standard rate tier. APY if dividends are not withdrawn during the term.

Requirements

Product: No monthly fee. Withdraw your money at any time and pay no penalties.

Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

Requirements

Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.

Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.

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: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.

Offer: 120 Days term.

Requirements

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

Offer: Relationship rate; requires eligible linked checking account.