Best CD rates and certificates

Requirements

Product: Offer ended at close of business November 13, 2023; form is no longer available. Required opening with new money (funds not currently on deposit with TUMCU). Dividends compound monthly. Not eligible for IRAs. Early withdrawal penalty applies.

Offer: Offer ended November 13, 2023. Maximum deposit per person $100,000. New money required. Dividends compound monthly.

Requirements

Product: Minimum deposit $500. Limited-time bonus certificate rates celebrating 70 years; valid for funds currently held at Apple FCU and new money transferred from another institution. Early withdrawal penalties apply (over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends). 10-day renewal grace period.

Offer: Automatically renews as a 60-month Certificate at maturity unless notified otherwise.

Requirements

Product: Requires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Upon maturity, 13-month Certificates will automatically renew as 12-month Certificates at prevailing APYs. Substantial penalty for early withdrawal. Valid for consumer accounts only. Fees may reduce earnings.

Offer: Requires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Renews as 12-month certificate at prevailing APY upon maturity. Early withdrawals may incur substantial penalties. Valid for consumer accounts only.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.

Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions

Offer: Available for Certificate and IRA funds. Minimum $10,000 new funds brought from an external source required to open certificate. Early withdrawal penalties apply and may reduce earnings. A minimum of $10,000 must be deposited between October 1, 2026, and October 31, 2026. Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice. Special certificate renews automatically to a standard 48-month term at the rate in effect at the time of renewal unless instructed otherwise.

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

Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.

Requirements

Offer: New Money Only (funds not currently on deposit with TruEnergy FCU)

Requirements

Product: Requires $5 deposit to Langley savings account for membership. Early withdrawal penalties apply (90 days dividends for 3-6 months, 180 days dividends for 12 months or greater). Dividends compound monthly.

Requirements

Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.

Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.

Requirements

Product: Interest is compounded daily and credited periodically. Penalty for early withdrawal may reduce earnings. APY assumes interest remains on deposit until maturity date. Fixed rate paid for the full term.

Requirements

Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 12-month certificate rate.

Offer: New deposits only from non-Chartway account. $500 minimum (no maximum balance). Renews at current 12-month certificate rate. Early withdrawal penalty applies.

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: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.

Offer: Special Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal.