Best CD rates and certificates

Requirements

Product: Available to Verity Credit Union members only. Non-members must establish a Prime Share savings membership account ($5 membership fee required to join). Early withdrawal penalty applies: 90 days interest for terms of 365 days or less; 180 days interest for terms over 365 days. No minimum balance required to open a certificate. Standard certificates allow additional deposits only during the first 10 days; Savers Certificates allow additional deposits at any time. At maturity, promotional-term certificates (13, 19, 25 months) automatically renew into standard-term certificates of the next shorter standard term (12, 18, 24 months) at the prevailing standard rate.

Offer: Promotional CD special. Automatically renews at maturity to a 24-month certificate at standard rate.

Requirements

Product: Automatic renewal. Certificate of Deposit accounts do not receive statements; account holder receives maturity notice and letter. Early withdrawal penalty applies (30 days interest for 3-month, 90 days interest for other short terms, 180 days interest for other long terms, 12 months interest for 60-month). Interest paid to certificate can be withdrawn anytime without penalty.

Offer: Special 25 Month CD. The minimum opening balance and the minimum balance needed to obtain the APY are the same ($500). Early withdrawal penalty is 180 days interest.

Requirements

Product: Fixed Rate CD: A penalty may be imposed for early withdrawals. Variable Rate CD: Withdrawals in excess of one per month will be subject to penalty.

Requirements

Product: Join us in celebrating 25 years at our Cascade Lake Office! Offer good though 10/31/26. $1,000 minimum deposit. A penalty may be imposed for early withdrawal.

Offer: Offer good though 10/31/26. Cascade Lake Office 25 years celebration offer. A penalty may be imposed for early withdrawal.

Requirements

Product: New Money Special; open on or after June 15, 2026; maximum investment $250,000; not valid on funds already on deposit

Requirements

Product: Maximum Summer Certificate Special investment amount is $250,000. Not valid on money already on deposit with True North. Penalty may be imposed for early withdrawal.

Offer: New money only; not valid on money already on deposit with True North. Unless otherwise selected by Member, Certificate will reinvest in a standard 24 month Certificate at maturity. Dividends compounded and credited annually and at maturity.

Requirements

Product: Fees may reduce earnings. Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest.

Offer: Fees may reduce earnings. Substantial penalty for premature withdrawal.

Requirements

Product: No additional deposits allowed. Early withdrawal of principal before maturity is subject to a penalty equal to 90 days' interest. Automatically renews to standard 6-month CD unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.

Offer: A minimum opening deposit of $500.00 is required and must be maintained daily to earn disclosed APY. No additional deposits allowed. Early withdrawal penalty of 90 days' interest applies.

Requirements

Product: Interest is compounded daily and credited monthly. Penalty imposed for early withdrawal.

Offer: Requires checking account.

Requirements

Product: Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates fixed for the term. Early withdrawal penalties apply. Insured by NCUA and MSIC.

Offer: 30 Month Special. Rates fixed for term; penalty may apply for early withdrawal.

Requirements

Product: Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.

Offer: 35 Month Promotion CD. Minimum balance required to open and earn APY. Penalty will be imposed on early withdrawal.

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: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Requirements

Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.

Requirements

Product: Personal accounts only. Penalty for early withdrawal of 6 months interest which can reduce the principal. At maturity, certificate reinvests for the same term at the fixed-rate in effect at the time unless indicated otherwise. Insured up to $250,000 per account. IRA Certificates are excluded.

Offer: 36 Months