• 6 month CD term earns an interest rate of 0.30% APY
• 1 year CD term earns an interest rate of 0.60% APY
• 18 month CD term earns an interest rate of 0.70% APY
• 2 year CD term earns an interest rate of 0.90% APY
• 3 year CD term earns an interest rate of 1.25% APY
• 4 year CD term earns an interest rate of 1.75% APY
• 5 year CD term earns an interest rate of 2.15% APY

These highest certificate of deposit rates requires a minimum deposit of $500 to open and earn this best CD rates. The credit union also provides a competitive rate for their 5 year jumbo certificate of deposit which earns an interest rate of 2.25% APY. This jumbo CD requires a minimum deposit of $50,000. Please remember that the current certificate of deposit rates listed above may change at any time without prior notice.

For members who want to earn this top CD rates may visit the credit union’s office to open an account. You are not allowed to make additional deposits once account is opened. Withdrawals are allowed, but there will be a penalty charged when principal deposit is withdrawn. The penalty charge on the account will depend on the term of your certificate of deposit.

This best certificate of deposit will automatically renew at maturity. A written notice will be sent to you to inform you about the grace period and maturity of the account. During the given grace period, you are allowed to deposit or withdraw funds without penalty. This is also the time for you to decide if you want to reinvest your money with the credit union.

Of course, you can enjoy the benefits of earning these top certificate of deposit rates and a lot more when you are a member of the credit union. Membership with Astera Credit Union is open to current employees and retirees of one of their Select Employee Groups. In case, you do not belong to any of their SEG then you may apply for membership with R.E. Olds Transportation Museum first. There is also a one time membership fee of $25.

Once eligible to become a member, you need to open a share savings account with a minimum deposit of $5. You need to submit proof of identification and address like driver’s license, passport, or state issued ID. In case your address is not listed on your ID then you may submit supporting documents like credit card statement or utility bill.

For more information about the credit union’s membership, account specifics, current interest rates, or requirements you may contact their customer service line at 800 323-0048. Astera Credit Union has several branches located in the cities of Lansing, Dewitt, and Ionia in the state of Michigan.

Astera Credit Union is a not for profit financial organization and has been serving its members since 1949. Currently, they have grown to have 22,931 members with over $148 million in declared assets. All deposit accounts with Astera Credit Union is insured of up to $250,000 with the National Credit Union Association and they have a charter number 60920.

• 3 month CD earns 0.30% APY
• 6 month CD earns 0.50% APY
• 9 month CD earns 0.50% APY
• 1 year CD earns 0.75% APY
• 15 month CD earns 1.00% APY
• 2 year CD earns 1.00% APY
• 3 year CD earns 1.25% APY
• 4 year CD earns 1.51% APY
• 5 year CD earns 2.31% APY

Individuals who want to earn this highest certificate of deposit rates may deposit and maintain a minimum of $1,000 to open an account and earn this best interest rates. This account does not allow you to make deposits during the term, and needs to wait for the maturity of the account. In case you need to withdraw funds on your CD account, there will be a penalty imposed on your account.

The earnings of this money in the bank deal are compounded and paid monthly. You may have it transferred to your other account with the bank or receive a check. Please note the the interest rates are subject to change before or after the account is opened.

This certificate of deposit will automatically renew for your convenience. In case you do not want to reinvest your money to the bank you may closed the account during the given grace period to avoid penalties. Anyway a written notification will be sent to you to give you a reminder about the maturity date.

You may visit visit the bank’s branch to open an account. They have 2 branches located in Presque Isle and Land O Lakes in the state of Wisconsin. You may also contact their customer service line if you still have questions about their CD rates or requirements at 715 547-3383.

Headwaters State Bank was founded in 1921. They are insured with FDIC and has a certificate number 9035.

• 3 month CD term earns an interest rate of 0.15% APY
• 6 month CD term earns an interest rate of 0.60% APY
• 12 month CD term earns an interest rate of 0.80% APY
• 18 month CD term earns an interest rate of 1.00% APY
• 24 month CD term earns an interest rate of 1.10% APY
• 36 month CD term earns an interest rate of 1.61% APY
• 48 month CD term earns an interest rate of 1.91% APY
• 60 month CD term earns an interest rate of 2.32% APY

These top certificate of deposit rates can be earned when you deposit a minimum of $1,000 to open an account. After account has been opened, you cannot make additional deposits. You are allowed to withdraw funds, but there will be a penalty imposed on your account if you withdraw even a portion of your principal balance. The amount of penalty charged on the account will depend on your CD term.

The dividends earned are compounded and paid monthly, quarterly, or at maturity. In case you decide to transfer your dividends on your savings account or checking account you will have to notify the bank few days before the interest is being credited on the account. You can also request to have your interest mailed to you by check. Take note the the interest rates may change at any time without prior notice.

Your certificate of deposit will automatically renew at maturity. You will be notified by the bank few weeks before the maturity of the account and you will also be given a grace period so that you can deposit or withdraw fund without penalty. This is also the time to think if you still want to reinvest your money to the bank or not.

Consumers who want to take advantage of this best certificate of deposit rates may visit the bank’s office to apply. They are headquartered in Guymon, Oklahoma. You may also contact their customer service hotline at 580 338-2593.

Bank of the Panhandle was established in 1976. They are a member of FDIC and has a certificate number 22340.

Regular CD

• 0.55% APY is earned on 3 months CD term
• 0.65% APY is earned on 6 months CD term
• 0.85% APY is earned on 12 months CD term
• 1.25% APY is earned on 18 months CD term
• 1.30% APY is earned on 24 months CD term
• 1.69% APY is earned on 36 months CD term
• 1.85% APY is earned on 48 months CD term
• 2.05% APY is earned on 60 months CD term

CD with Checking account

• 0.55% APY is earned on 3 months CD term
• 0.65% APY is earned on 6 months CD term
• 0.85% APY is earned on 12 months CD term
• 1.26% APY is earned on 18 months CD term
• 1.31% APY is earned on 24 months CD term
• 1.70% APY is earned on 36 months CD term
• 1.87% APY is earned on 48 months CD term
• 2.07% APY is earned on 60 months CD term

Members of the credit union who want to earn these highest CD rates may deposit a minimum of $1,000 to open an account and earn interest for regular certificate of deposit. While for a checking account which is linked to a CD account requires a minimum balance of $2,500 to earn interest.

Once certificate of deposit account is established, additional deposits are no longer allowed and will have to wait for the maturity date. An early withdrawal penalty may be imposed on your CD account if you withdraw the principal balance before the maturity date.

The dividends earned are compounded and credited monthly. Please be reminded that the interest rates may change any time without prior notice. You may ask the credit union for their latest certificate of deposit rates.

This money in the bank deal will renew automatically once it mature. You will be given a grace period to make changes on your account like withdrawing funds or making additional deposits without penalty. After the grace period your CD account will renew unless you decide to closed your account.

Membership with Island Federal Credit Union is open to individuals who live, work, attend school, or worship in the counties of Suffolk and Nassau in the state of New York. Immediate family and household members are also welcome to join.

You may complete the online membership application or you may stop by one of the credit union’s branches to apply. You are required to open a share savings account with a minimum deposit of $5 and provide a copy of your valid photo identification like Social Security Card, Passport, or Driver’s License.

Feel free to contact the credit unions member service representative if you have questions or concerns about their certificate of deposit, field of membership, current interest rates, or requirements at 631 851-1100 or 800 475-5263. Island Federal Credit Union has several branches located in the cities of Bellmore, Sayville, Brooklyn, Hauppauge, and Hicksville in the state of New York.

Island Federal Credit Union was founded in 1955. They have grown to have 25,244 members with $793 million in declared assets and they are considered as one of the largest credit union in the state of New York. All members account are insured of up to $250,000 with the National Credit Union Association and has a charter number 10023.

• 12 months CD term earns an interest rate of 0.50% APY
• 18 months CD term earns an interest rate of 0.70% APY
• 24 months CD term earns an interest rate of 0.85% APY
• 30 months CD term earns an interest rate of 1.10% APY
• 36 months CD term earns an interest rate of 2.00% APY
• 48 months CD term earns an interest rate of 2.25% APY
• 60 months CD term earns an interest rate of 2.50% APY

They also offer a very competitive interest rate for their CD Specials which requires an initial deposit of $5,000 to open an account. Here are the following current Special Certificate of Deposit rates:

• 9 month CD earns an interest rate of 0.85% APY
• 15 month CD earns an interest rate of 0.60% APY
• 25 month CD earns an interest rate of 0.90% APY
• 35 month CD earns an interest rate of 2.15% APY
• 37 month CD earns an interest rate of 2.25% APY
• 44 month CD earns an interest rate of 2.50% APY

Consumers who have already established their certificate of deposit can no longer make additional deposits and will have to wait for the account to mature. Withdrawal is allowed, but make sure not to withdraw the principal deposit to avoid the early withdrawal penalty. Penalties that may be imposed on the account will depend on the CD terms.

The dividends earned on this best certificate of deposit will be paid either monthly, quarterly or annually. You need to notify the bank if you want your dividends be sent to you via check or have it transferred to your savings account, money market account, or checking account. Take note that the interest rates are subject to change any time before or after account is opened, you may contact the bank and asked for their latest numbers.

You will be informed by the bank few weeks before your certificate of deposit account matures. You are also given a grace period to make deposits or withdrawals without penalty before the account automatically renews. This is also the time for you to think if you want to reinvest your money with the bank.

It appears that a branch visit is required to open an account. You need to submit a copy of your valid picture identification like social security card, driver’s license, or state issued ID. In case your current address is not listed on the copy of ID that you submitted, then you need to provide a copy of your utility bill or bank statement as proof of address.

If you need assistance or if you have questions about their certificate of deposit, current interest rates, or requirements you may contact the bank’s customer service line at 504 556-5950. Crescent Bank & Trust has branches located in Louisiana State in the cities of Metairie, New Orleans, Covington, Baton Rouge, Shreveport, and Alexandria.

Crescent Bank & Trust has been operating its business since 1991. the bank has grown to have over $624 million in declared assets. They are also a member of the Federal Deposit Insurance Corporation and has a certificate number 33492.

• 30 days CD term earns an interest rate of 0.50% APY
• 60 days CD term earns an interest rate of 0.75% APY
• 90 days CD term earns an interest rate of 1.00% APY
• 6 months CD term earns an interest rate of 1.00% APY
• 1 year CD term earns an interest rate of 1.51% APY
• 2 years CD term earns an interest rate of 1.81% APY
• 3 years CD term earns an interest rate of 2.02% APY
• 4 years CD term earns an interest rate of 2.17% APY
• 5 years CD term earns an interest rate of 2.78% APY

These highest CD rates can be earned when you make an initial deposit of $3,000 to open an account. Take note that once your certificate of deposit account is opened, you cannot make any additional deposits. You are allowed to withdraw funds but make sure that it is only the dividends that you are taking out of your account and not the principal deposit to avoid the penalty. The penalty imposed will depend on the term of your certificate of deposit.

The earnings of this money in the bank deal are compounded and paid quarterly. You may transfer your dividends to your savings account, money market account, or checking account without penalty. You may also request to the credit union to mail it to you via check. Please be reminded that the interest rates are subject to change any time without prior notice.

Your certificate of deposit will renew at maturity. You do not have to worry since you will be notified by the credit union before the account matures. You can make additional deposits or withdraw funds during the 10 days grace period before the account matures, and there will be no penalty charge on the account.

Membership with Caribe Federal Credit Union is open to employees who work for the U.S. Government in Virgin Islands and in U.S. Government in Puerto Rico. Employees who belong to one of the credit union’s Select Employee Group are also eligible to join. Immediate family of those employees listed above are also welcome to join. If you still do not qualify, you don’t have to worry because there is another way. You need to join the Liga de Estudiantes de Arte De San Juan, and all you need to do is just pay a one time fee of $35 and your are already a member.

Once you are eligible to join the credit union, you may visit their website or go to one of their branches to apply. You also need to open a share savings account with a minimum deposit of $10. You have to maintain this account open to avoid termination of membership. You will also be ask to provide a copy of your valid picture identification with your current address on it like driver’s license, passport, or state issued ID.

For additional information about their field of membership, certificate of deposit, current interest rates, or requirements, you may contact the credit union’s member service line at 787 474-5147. Caribe Federal Credit Union has branches located in the cities of San Juan and Guaynabo, Puerto Rico.

Caribe Federal Credit Union was founded in 1951. They have 20,851 members with over $226 million in declared assets. The credit union is insured with the National Credit Union Association and it has a charter number 7345.

• 1.25% APY is earned on 6 month CD term
• 1.50% APY is earned on 12 month CD term
• 1.75% APY is earned on 24 month CD term
• 2.00% APY is earned on 36 month CD term
• 2.25% APY is earned on 48 month CD term
• 2.50% APY is earned on 60 month CD term

The dividends earned are compounded and credited monthly. You may request to the credit union to have your dividends mailed to you by check or transferred it to your checking account or savings account. A penalty may be charged on your account if you withdraw your principal balance before the maturity date. The penalty will be equal to 90 days of interest for all CD terms.

Your certificate of deposit will automatically renew at maturity. You will be given 10 days grace period to make changes on your account, deposit or withdraw funds. It is also the time for you to decide if you still want to renew your account or permanently closed the account. Take note that the interest rates may change any time without prior notice.

Consumers who want to take advantage of this top certificate of deposit rates may deposit a minimum of $500 to open an account. After account is opened, you are no longer allowed to make additional deposits since it is only allowed during the grace period.

Membership with East Kentucky Employees Federal Credit Union is open to employees of the credit union and East Kentucky Power Cooperative. Immediate family of these employees which includes spouse, children, parents, grandparents, siblings, and grandchildren are eligible to join.

You need to visit the credit union’s office and complete their membership application form. You need to open a share savings account which requires a minimum deposit of $5. The credit union will ask you to provide a copy of your valid photo identification with your current address listed on it like driver’s license, passport, or social security card. You need to provide a copy of your utility bill or credit card statement as proof of address if your current address is not listed on the ID that you have presented.

Once a member of the credit union, you will be able to use their free online banking to check the activities of your account, make bill payments, view your electronic bank statement, receive email alerts, and check the latest promos that they are offering to their members. You can also use their free phone banking if you do not have an access to the internet.

If you are still not sure if you qualify for membership or if you have questions about their certificate of deposit, current interest rates, or requirements, you may contact their member service representative at 859 745-9346.

East Kentucky Employees Federal Credit Union is headquartered in Winchester, Kentucky and was founded in 1963. They currently have 1,384 members with over $27 million in declared assets. All deposit accounts with the credit union is insured with the National Credit Union Association of up to $250,000. They have an NCUA charter number 15943.

• 0.55% APY is earned on 6 month CD term
• 0.70% APY is earned on 12 month CD term
• 0.80% APY is earned on 18 month CD term
• 1.00% APY is earned on 24 month CD term
• 1.50% APY is earned on 36 month CD term
• 2.00% APY is earned on 48 month CD term
• 2.50% APY is earned on 60 month CD term

You can earn these highest CD rates when you deposit a minimum of $1,000 to open an account. Once you have established your certificate of deposit and decided that you want to deposit funds, well you need to wait for the account to mature before you can make additional deposits. You are allowed to make a withdrawal but there will be a penalty imposed on your account.

The dividends are calculated by average daily balance method, compounded and credited monthly. The dividends can be withdrawn, transferred to your other account with the credit union, or mailed to you by check. The interest rates are subject to change any time without prior notice, before or after account is opened. You may contact the credit union and asked for their latest certificate of deposit rates.

This money in the bank deal will automatically renew once it matures. A written notice will be mailed to you by the credit union to remind you of the maturity date and to inform you about the grace period. You are allowed to deposit or withdraw funds during the grace period without penalty. This is also the time for you to decide if you want to reinvest your money or not.

Membership with SEMC Federal Credit Union is open to individuals who are employed to one of the credit union’s Select Employee Group which includes Tristate, St. Elizabeth Hospital, Independent Anesthesiologists, Summit, Commonwealth Orthopedics, City of Edgewood, Dr. John Eldridge Office, Dr. George Miller Office, Patient Choice, Internal Medicine, Pediatric Care of KY, Patient First Physicians Group, Premier Family Medicine, Advance Surgical Care, and all offices of doctors in Cincinati, Ohio or Northern Kentucky area. Immediate family and household members are also eligible to join.

You may print and complete the online application and mail it or bring it to the credit union’s office to apply. You are required to make an initial deposit of $5 to open a share savings account. You also need to submit a copy of your valid identification like driver’s license, passport, or state issued ID showing your current address. If not, then you need to provide additional documentations like utility bill or contract of lease.

If you still have questions with regard to their certificate of deposit, field of membership, current interest rates, or requirements you may contact their customer service line at 859 578-5600. SEMC Federal Credit Union has branches located in the cities of Edgewood, Fort Thomas, and Florence in the state of Kentucky.

SEMC Federal Credit Union was established in 1970. They are one of the largest credit union in the state of Kentucky with 8,627 members and with over $36 million in declared assets. The credit union is a member of the National Credit Union Association with charter number 19879.

• 6 month CD term earns an interest rate of 0.35% APY
• 12 month CD term earns an interest rate of 0.60% APY
• 18 month CD term earns an interest rate of 0.75% APY
• 24 month CD term earns an interest rate of 1.10% APY
• 36 month CD term earns an interest rate of 1.51% APY
• 60 month CD term earns an interest rate of 2.32% APY

This money in the bank deal requires a minimum deposit of $500 to open an account. You are no longer allowed to make additional deposits once certificate of deposit account is established. Make sure not to withdraw the principal deposit of your account to avoid the early withdrawal penalty. The penalty will also depend on the term of your certificate of deposit.

The dividends earned on your CD account are compounded daily and credit quarterly. You can withdraw your dividends without penalty. You may even choose to have it transferred to your other accounts with the credit union like checking account or savings account. You may also have a check mailed to you. Take note that the interest rates are subject to change any time without prior notice, you may contact the credit union and ask for their latest numbers.

Once the account reaches its maturity, it will automatically renew. You will receive a written notice from the credit union a few weeks before the maturity date to inform you about the grace period and to remind you that the account is about to mature. During the grace period, you are allowed to make changes on your account like deposit or withdraw funds without penalty.

Membership with Greater Chautauqua Federal Credit Union is open to everyone who are employed, retired as annuitants or pensioners, or volunteers of their select employee groups and organizations. Their immediate family which includes spouse, children, parents, brothers, sisters, grandparents, or grandchildren as well as their household members are also eligible to join.

You are required to visit the credit union’s office to apply. You need to make an initial deposit of $5 to open a new share savings account. You must maintain this account open to avoid termination of membership. You will also be asked to submit a copy of your valid photo identification like social security card, driver’s license, or state issued ID. In case your current address is not listed on the copy of ID that you provided then you need to submit a copy of your utility bill or bank statement as proof of address.

For more information about their field of membership you may visit the credit union’s website to check the list of their Select Employee Groups or if you have questions about their certificate of deposit, current rates, or requirements you may contact their customer service line at 716 665-3799. Greater Chautauqua Federal Credit Union has branches located in the cities of Jamestown, Dunkirk, Falconer, and Mayville in the state of New York.

Greater Chautauqua Federal Credit Union has been providing assistance to its members with their financial needs since 1940. They have 9,841 members with over $48 million in declared assets. The credit union is insured with the National Credit Union Association and has a charter number 3759.

• 0.10% APY is earned on 3 month certificate of deposit term
• 0.15% APY is earned on 6 month certificate of deposit term
• 0.50% APY is earned on 12 month certificate of deposit term
• 0.50% APY is earned on 18 month certificate of deposit term
• 1.01% APY is earned on 24 month certificate of deposit term
• 1.51% APY is earned on 36 month certificate of deposit term
• 2.01% APY is earned on 48 month certificate of deposit term
• 2.26% APY is earned on 60 month certificate of deposit term

Consumers who want to earn these highest certificate of deposit rates may deposit a minimum of $1,000 to open an account. A penalty may be imposed on the CD account if the principal balance is withdrawn. The penalty charged on the account will depend on the term of the certificate of deposit. Deposits are not allowed during the term period.

The dividends earned on this top certificate of deposit are compounded and credited on the account monthly. You may also request to the credit union to transfer your dividends on your savings account or checking account. You can also request to have your dividends mailed to you via check. Please also remember that the interest rates may change once account is opened, so make sure to contact the credit union and ask for their latest numbers.

Your certificate of deposit account will automatically renew once it matures. A notification from the credit union will be sent to you to give you a heads up on your maturity date and to inform you about the grace period. During the given grace period, you can decide if you still want to invest your money again with the credit union or not. In case you decide to withdraw or deposit funds within the grace period, there will be no penalty charged on the account.

The credit union allows you to manage your account using their free online banking or free 24 hour telephone banking. You can check the activities of your account, make bill payments, view your e-statement, check promos that the credit union is offering, and receive email alerts with regard to your certificate of deposit account.

Membership with Tulare County Federal Credit Union is open to anyone who resides, works, worships, attends school in Tulare County, California. Membership is also open to businesses and other legal entities located in Tulare County. Immediate family members which includes spouse, child, parents, sibling, grandparents, grandchildren and those who live in the same household are also welcome to join.

It seems that a branch visit is required in order to apply. You need to make an initial deposit of $25 to open a new share savings account. You will be asked to provide a clear copy of your valid photo identification like driver’s license, passport, or state issued ID. In case your address is not showing on any of your ID’s then you may submit additional documents like contract of lease, bank statement, or utility bill as proof of address.

You may want to contact the member service representative first if you still have questions about their field of membership, certificate of deposit account, requirements, or current interest rates at 559 686-1791. Tulare County Federal Credit Union has a total of 4 branches located in the cities of Tulare, Visalia, and Porterville in the state of California.

Tulare County Federal Credit Union was chartered in 1939. they have grown to have 10,928 members with over $72 million in declared assets. The credit union is registered with the National Credit Union Association and has a charter number 3218.