Best CD rates and certificates

Requirements

Product: $1,000 minimum deposit required. Terms from 6 months to 5 years available. Dividends are compounded and paid quarterly and at maturity. $5 membership fee required. Early withdrawal penalties may apply. Jumbo rate qualifies for Personal CD deposits of $250,000 or more or approved exception.

Offer: Dividends compounded quarterly.

Requirements

Product: Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 6 months, balance automatically rolls into a regular 6-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.

Offer: Requires 100% new money. Automatically rolls over into a regular 6-Month CD at maturity.

Requirements

Offer: Compounded and credited monthly.

Requirements

Product: Rates are fixed once opened and guaranteed only if funds remain on deposit for the full term. Early withdrawals not allowed within first 90 days; after 90 days, early withdrawals require bank approval and incur a penalty. Balance of $500 required to obtain disclosed APY. Funding available exclusively via ACH transfer.

Offer: Term is 6 months (182 days). Balance of $500 required to obtain APY.

Requirements

Product: Qualifying heroes (educators, healthcare workers, law enforcement, military & veterans, first responders) receive an additional 0.25% rate increase / APY bump on all regular or jumbo CD terms and promotional CDs / CD ladder, excluding IRA CDs. 0.25% increase applies during the CD term and expires at maturity.

Offer: Special 7-Month Promo CD with Hero Rate Bump included. Opening minimum is $500 for regular CD and $100,000 for jumbo CD. Excludes IRA certificates.

Requirements

Product: Quarterly statements. Automatically renewable at maturity. May be pledged as collateral for a loan. Early withdrawal penalty may apply.

Offer: eStatements only. Business and personal accounts qualify. Early withdrawal penalty may apply.

Requirements

Product: Fixed, guaranteed dividend rates for the full term. Federally insured up to $250,000. Terms from 6 months (or 90 days) to 5 years.

Offer: CD special; new money only.

Requirements

Product: Individual and joint accounts only; businesses not eligible. Open to anyone who lives, works, worships, or attends school in Stark, Carroll, Portage, Summit, Tuscarawas, or Wayne County. Early withdrawal penalty applies and may reduce earnings. No setup or maintenance fees.

Offer: 8 Month Special, Jumbo Certificate tier ($10,000 and more). Minimum of $10,000 required. At maturity, automatically renews into a 12-month share certificate at the rate in effect / commensurate to the balance at renewal. APY accurate as of 10/2/2026 on promotional page.

Requirements

Product: Penalty for early withdrawal on Time Certificates. Fees may reduce earnings. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

Offer: Compounding & Crediting Frequency: at maturity.

Requirements

Product: Minimum balance to open and earn APY is $500. Penalty may be imposed for early withdrawal. Seven-day grace period for withdrawals when account reaches maturity, otherwise automatic renewal will occur.

Requirements

Product: Account fees may reduce earnings on certificates.

Requirements

Product: Limited time offer. $1,000 minimum opening deposit with no maximum deposit amount. At maturity (if funds not withdrawn), the 5 Month Certificate rolls into a 6 Month Certificate and the 10 Month Certificate rolls into a 12 Month Certificate. Early withdrawal penalties apply. Promotional Certificates may be discontinued at any time.

Offer: Limited time offer. 10 Month term. If funds not withdrawn at maturity, rolls into a 12 Month Certificate.

Requirements

Product: Must maintain a minimum daily balance of $500.00 (for Regular share certificate types) in your account each day to obtain the disclosed APY. Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Dividends are compounded daily and paid monthly. Share Certificate APY assumes dividends are retained in the Certificate.

Requirements

Product: Certificate is subject to penalty for early withdrawal (terms of 12 months or less will lose 90 days of dividends; terms of 13 months or more will lose 180 days of dividends). Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.

Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).

Requirements

Offer: 11-Month Certificate Special. Available as a Consumer or Business CD. Not available as an IRA Certificate. Must be opened with at least $5,000 in funds.