Best CD rates and certificates

Requirements

Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.

Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.

Requirements

Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.

Requirements

Offer: Minimum balance to obtain APY is more than $0. Opening online requires minimum balance of $1,000.

Requirements

Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).

Requirements

Product: Applies to accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Other CD terms and rates are available.

Offer: Minimum balance to obtain APY is more than $0. Opened in branch or over telephone. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.

Requirements

Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.

Offer: Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.

Requirements

Product: Early withdrawals are subject to fees. Accounts are federally insured by NCUA up to $250,000.

Requirements

Product: Limited-time 13-month certificate. New money required. After the initial term, renews automatically into a 12-month certificate at the then-current APY. Credit union membership required. Penalty for early withdrawal.

Offer: New money required: funds from another institution and not on deposit at Sun East Federal Credit Union within the prior 6 months. No stated maximum opening deposit. Limited time offer; rates/yields subject to change.

Requirements

Product: Certificates of deposit are FDIC insured. Minimum opening deposit is $2,500. Substantial penalty may be imposed for early withdrawal. Fees could reduce earnings.

Offer: Penalty for early withdrawal is 6 months' 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: 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: FDIC-insured. Minimum opening balance $500. Automatically renews. Interest credited quarterly. Non-IRA certificates may be pledged as collateral for a share loan. Early withdrawal penalty may apply.

Offer: Quarterly compounding. Early withdrawal penalty may apply.

Requirements

Product: A minimum of $10,000 in new money is required to open this account and get the special rate. \"New money\" is defined as funds not currently on deposit with FCCB. Fees may reduce earnings, and a penalty may be imposed for early withdrawal. Interest is compounded quarterly, and an active checking account is required.

Offer: 17-Month CD Special; requires $10,000 minimum new money and active checking account

Requirements

Product: Online CD promotion. Open online in minutes. Fixed APY.

Offer: Open online in minutes. Limited-time promotional online CD.

Requirements

Product: Limited-time 8-month certificate. After the initial term, renews automatically into a 12-month certificate at the then-current APY. Credit union membership required. Penalty for early withdrawal.

Offer: New money required to earn 4.10% APY: funds from another institution and not on deposit at Sun East Federal Credit Union within the prior 6 months. No stated maximum opening deposit. Limited time offer.