[
 {
  "term_months": 3,
  "rank": 1,
  "institution": "Habib American Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "25093",
  "ncua_charter": "",
  "remote_opening": "states: NY, NJ, CA",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial early withdrawal penalties apply.",
  "source_url": "https://www.hab.bank/rates",
  "read_note": "Online application only for applicants who are at least 18, legal residents of the United States and live in New York, New Jersey or California. It requires a US Social Security number and a government ID other than a passport (read by hand 2026-09-25).",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 2,
  "institution": "Ivy Bank (Cambridge Savings Bank)",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17870",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalties for early withdrawal may be imposed.",
  "source_url": "https://www.ivybank.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 3,
  "institution": "Heritage Bank Minnesota",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.16",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8865",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CD & IRA Interest Rates Rates current as of December 18, 2025 TYPE OF PRODUCT MINIMUM DEPOSIT INTEREST RATE Annual Percentage Yield (APY)* EARLY WITHDRAWAL PENALTIES (Minimum $25) 3 Month Fixed CD $250 4.10% 4.16% 91 Days Interest 6 Month F",
  "source_url": "https://heritagebankmn.com/personal/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 4,
  "institution": "Bask Bank (Texas Capital Bank)",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34383",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal and may reduce earnings.",
  "source_url": "https://baskbank.com/sites/default/files/Documents/Disclosures/rates-and-fee-schedule.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 5,
  "institution": "Farmers and Merchants Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.06",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14275",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "ates of Deposit Learn More Month Rate APY 3 Month 4.00% 4.06% 6 Month 4.00% 4.06% 12 Month 4.10% 4.16% 24 Month 4.20% 4.27% 36 Month 4.30% 4.37% 48 Month 4.30% 4.37% 60 Month 4.30% 4.37% Penalty with early withdrawal Find Us Contact Us Find",
  "source_url": "https://www.fmbmilligan.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 6,
  "institution": "Farmers Insurance FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "1074",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal.",
  "source_url": "https://figfcu.org/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 6,
  "institution": "First Jackson Bank, Inc.",
  "kind": "bank",
  "state": "AL",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23376",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "NOTICE: This account may require a minimum daily balance and/or impose a penalty for early withdrawal.",
  "source_url": "https://firstjacksonbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 8,
  "institution": "Balboa Thrift and Loan Association",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.98",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26704",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty equal to three (3) months of interest may be imposed for early withdrawals.",
  "source_url": "https://www.balboathrift.com/deposits/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 9,
  "institution": "Bank of the Flint Hills",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.91",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4791",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.bfh.bank/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 10,
  "institution": "Stearns Bank National Association",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.90",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10988",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3 No penalty may be imposed for early withdrawal.",
  "source_url": "https://www.stearnsbank.com/personal/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 10,
  "institution": "Bread Savings",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.90",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57570",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawals on CDs.",
  "source_url": "https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 3,
  "rank": 10,
  "institution": "Bank of Utah",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17159",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Ability to Add Funds to Account After Initial Deposit: No Ability to Make Early Withdrawals from Account: Not without penalty How to Open an Account: 3-Month, 6-Month, 1-Year, 2-Year, and all terms 3 years and longer can be opened online ; ",
  "source_url": "https://www.bankofutah.com/personal/checking-savings/certificate-of-deposit-accounts",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 10,
  "institution": "FinWise Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35323",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u2021 An early withdrawal penalty may apply for all Certificates of Deposit.",
  "source_url": "https://www.finwise.bank/wp-content/uploads/2026/04/Online-FW-Savings-Certificate-of-Deposit-Rates-04-10-2026.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 14,
  "institution": "Citizens Bank & Trust Company",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "3.85",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15675",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.cbtky.com/personal/certificate-of-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 14,
  "institution": "Customers Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34444",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.customersbank.com/cds/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 14,
  "institution": "First National Bank of America",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17438",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fnba.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 17,
  "institution": "Merchants Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "026 Choose from the following terms: 12 Month Flex Index CD Open Flex Index CD online Account Details: Minimum balance to open CD is $1000 Must maintain minimum balance of $1000 every day to earn APY Penalty may be imposed for early withdra",
  "source_url": "https://bankmerchants.com/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 18,
  "institution": "USALLIANCE Financial",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.80",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17587",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Dividend Savings Certificate Accounts Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).",
  "source_url": "https://www.usalliance.org/about-us/rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 18,
  "institution": "Banesco USA",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57815",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted rate is for US customers. A separate international CD is offered at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificate of Deposit An account that earns a fixed rate of interest for a fixed term Open online $1,000 minimum opening balance No monthly maintenance fee $0.01 minimum balance to earn interest Early withdrawal penalties may apply 9 Zelle",
  "source_url": "https://banescousa.com/personal/deposits/us/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 18,
  "institution": "Leighton State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10118",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "p 3.75% 3.80% Quarterly 4 Year Step 3.50% 3.55% Quarterly 5 Year 3.50% 3.53% Semi-Annually * Annual Percentage Yield (APY) Rates effective 8/24/2026 and subject to change $500 minimum balance for CDs Early withdrawal penalties may apply.",
  "source_url": "https://leightonbank.com/bank-with-us/personal/cds-iras-and-hsas/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 18,
  "institution": "One World Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57901",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.oneworldbank.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 22,
  "institution": "Gulf Coast Business Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.77",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59281",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.gcbbswfl.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 23,
  "institution": "VisionBank",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.76",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "nth a,c Create Account 4.18% 4.25% 30 Month a,c Create Account 4.18% 4.25% 36 Month a,c Create Account 4.18% 4.25% 48 Month a,c Create Account 4.18% 4.25% 60 Month a,c Create Account 4.18% 4.25% a) A penalty may be imposed for early withdra",
  "source_url": "https://bankwithvision.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 24,
  "institution": "Credit Union of Southern California",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.75",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24983",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local or relative)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.cusocal.org/loans/personal/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 24,
  "institution": "Cross River Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "3.75",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58410",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs are subject to penalty for early withdrawal.",
  "source_url": "https://www.crossriver.com/personal-banking",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 24,
  "institution": "Pathway Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.75",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1992",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial Penalty for Early Withdrawal.",
  "source_url": "https://www.pathwaybank.com/cds-iras-hsas",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 27,
  "institution": "ESB Financial",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "16629",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Greater earnings than standard savings Receive higher rates by selecting a longer term Provides more guarantee than other risky investments A wide range of terms available (from 3 months to 5 years) Penalty for early withdrawal FDIC insured",
  "source_url": "https://www.esbfinancial.com/banking/personal-banking/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 28,
  "institution": "Freedom Bank of Southern Missouri",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.65",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35276",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Savings ++ $5 $0 0.40% 0.40% Business Savings ++ $100 $0 - - Tier 1 <$50,000.00 - $0 0.35% - Tier 2 $50,000.00 - $50,000 0.45% - Tier 3 $100,000.00 - $100,000 0.55% - APY = Annual Percentage Yield *A penalty may be imposed for early withdra",
  "source_url": "https://www.freedombk.com/deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 28,
  "institution": "Bradesco Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.65",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "21265",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If funds are withdrawn within six (6) days of the date of deposit, an early withdrawal penalty of seven (7) days\u2019 simple interest on the amount withdrawn will be charged.",
  "source_url": "https://bradescobank.com/es/certificate-of-deposit-bradesco/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 28,
  "institution": "Technology Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.65",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68383",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties will be imposed for early withdrawals.",
  "source_url": "https://www.techcu.com/Resources/Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 31,
  "institution": "KodaBank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8386",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$25,000 - $99,999* $100,000+* 3.30% 3.40% 3.50% 3.30% 3.40% 3.50% 60 Month: $1,000 - $24,999* $25,000 - $99,999* $100,000+* 3.40% 3.50% 3.60% 3.40% 3.50% 3.60% Rates Effective September 1st, 2026 *A penalty may be imposed for early withdraw",
  "source_url": "https://www.kodabank.com/personal/save-and-spend/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 31,
  "institution": "UniBank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58407",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal.",
  "source_url": "https://www.unibankusa.com/deposit/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 31,
  "institution": "Access Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "58727",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "penalty may be imposed for early withdrawal.",
  "source_url": "https://www.accessbank.com/for-you/accounts/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 31,
  "institution": "EverBank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34775",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.everbank.com/product-selection?referid=31176",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 35,
  "institution": "Beach Cities Commercial Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.59",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59290",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty.",
  "source_url": "https://beachcitiescb.com/Rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 36,
  "institution": "BTG Pactual Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "3.55",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35154",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted CD rate is for US citizens and resident aliens. Residents of Brazil and Chile who are BTG Pactual clients can open a US dollar account held at Regent Bank.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply (except No-Penalty CDs).",
  "source_url": "https://www.btgpactual.us/banking/certificates-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 36,
  "institution": "Mid-America Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.55",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17374",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.mid-americabank.com/personal-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 36,
  "institution": "Phelps County Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18841",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ".70% 12 Month CD 3.75% 3.80% 15 Month CD 3.75% 3.80% 18 Month CD 3.80% 3.85% 24 Month CD 3.85% 3.91% 30 Month CD 3.85% 3.91% 36 Month CD 3.90% 3.96% 48 Month CD 3.90% 3.96% 60 Month CD 3.90% 3.96% *A penalty may be imposed for early withdra",
  "source_url": "https://www.mypcb.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 36,
  "institution": "The Bank of Old Monroe",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1655",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit may be subject to penalty for early withdrawal.",
  "source_url": "https://www.bankofoldmonroe.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 40,
  "institution": "Ocean Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.53",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "24156",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Customers living abroad can open a separate international CD at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There will be a penalty for early withdrawals on CDs.",
  "source_url": "https://www.oceanbank.com/content/dam/documents-en/deposit-account-rates.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 41,
  "institution": "Hanscom Federal Credit Union",
  "kind": "credit_union",
  "state": "MA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "9095",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply to certificates.",
  "source_url": "https://www.hfcu.org/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 42,
  "institution": "First Bank of the Lake",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26960",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fblake.bank/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 43,
  "institution": "Great North Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.38",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15146",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.greatnorthbank.com/wp-content/uploads/PDF/OAO-Rate.pdf",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 3,
  "rank": 44,
  "institution": "First Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.35",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.firstfedsavings.bank/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 44,
  "institution": "Sidney Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6011",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "",
  "source_url": "https://sfcuonline.org/accounts/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 46,
  "institution": "Chevron Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24326",
  "remote_opening": "yes",
  "nonresident_eligible": "Chevron employees working outside the US can join. Other applicants need a US Social Security number.",
  "cu_membership_open_nationwide": "possibly (association)",
  "early_withdrawal_penalty": "All certificates are subject to an early withdrawal penalty.",
  "source_url": "https://www.chevronfcu.org/rates/share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 47,
  "institution": "State Bank of Bottineau",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.29",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9121",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3.79% a 60 MONTH CD $ 100.00 3.75% 3.79% a, b 21 MONTH RATE WATCH CD $ 2,500.00 3.60% 3.65% a, b 36 MONTH RATE WATCH CD $ 2,500.00 3.65% 3.70% a, b 57 MONTH RATE WATCH CD $ 2,500.00 3.70% 3.75% a) A penalty may be imposed for early withdraw",
  "source_url": "https://www.statebankofbottineau.com/assets/files/wbJLgSoZ",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 48,
  "institution": "Rolette State Bank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.28",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9120",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Rates Certificates of Deposit (CDs) Effective January 8, 2026 Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.rolettestatebank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 49,
  "institution": "Service Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://servicecu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 49,
  "institution": "Home Bank and Trust Company",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4664",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://homebank-trust.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 49,
  "institution": "First Tech Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "possibly (participating organization)",
  "early_withdrawal_penalty": "If the Share Certificate Account is closed before dividends are credited, dividends accrued through the prior business day will be paid, subject to any early withdrawal penalty.",
  "source_url": "https://www.firsttechfed.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 49,
  "institution": "Seacoast National Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "131",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal may be subject to penalty.",
  "source_url": "https://www.seacoastbank.com/personal/banking/savings",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 53,
  "institution": "Climate First Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.21",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59257",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Personal CDs Business CDs Special Promotions 6-Month Penalty-Free CD 4.33% APY 1 Short-term growth with a strong return $500 minimum deposit No penalty for early withdrawals Read More 12-Month Penalty-Free CD 4.15% APY 2 Lock in a great rat",
  "source_url": "https://www.climatefirstbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 54,
  "institution": "Bank5 Connect (BankFive)",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "3.20",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23286",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.bank5connect.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 55,
  "institution": "Visions Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.15",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17429",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.",
  "source_url": "https://www.visionsfcu.org/rates/ira-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 56,
  "institution": "First Internet Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.14",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34607",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Learn More Business CD Accounts & Rates Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties 3-month CD 3.10 % 3.14 % 90 days interest Open Account 6-month CD 3.70 % 3.76 % 180 days interest Open Account 12",
  "source_url": "https://www.firstib.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 57,
  "institution": "Raymond James Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.10",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33893",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal.",
  "source_url": "https://www.raymondjamesbank.com/deposit-accounts",
  "read_note": "Rates effective September 18, 2026 per the bank's deposit page. Minimum $1,000, or $2,000 if bought through a Raymond James brokerage account. Rates by phone at 800.718.2265, option 4, or through an advisor.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 57,
  "institution": "Alliant Credit Union",
  "kind": "credit_union",
  "state": "IL",
  "apy_pct": "3.10",
  "min_deposit": "75000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67955",
  "remote_opening": "not stated",
  "nonresident_eligible": "People living outside the US can join if they have a US Social Security number or an ITIN.",
  "cu_membership_open_nationwide": "yes (foundation)",
  "early_withdrawal_penalty": "If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.",
  "source_url": "https://www.alliantcreditunion.org/bank/credit-union-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 59,
  "institution": "Credit Human",
  "kind": "credit_union",
  "state": "TX",
  "apy_pct": "3.05",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24382",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "0 and up 3.89% 3.96% 36 - 59 months $500.00 and up 3.91% 3.98% 60 - 83 months $500.00 and up 3.93% 4.00% 84 - 119 months $500.00 and up 3.95% 4.02% 120 months $500.00 and up 3.98% 4.05% Disclosures A penalty will be imposed for early withdr",
  "source_url": "https://credithuman.com/personal/cds/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 3,
  "rank": 60,
  "institution": "Security Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.04",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4178",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal from a Certificate of Deposit.",
  "source_url": "https://www.sbtulsa.bank/Current-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 61,
  "institution": "DeMotte State Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.03",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15883",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "APY represents Annual Percentage Yield A penalty will be imposed for funds withdrawn prior to maturity for all time deposits.",
  "source_url": "https://www.netdsb.com/rates-fees/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 62,
  "institution": "Spring Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.02",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58780",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal of principal could reduce earnings, whether earned or not.",
  "source_url": "https://www.springbankwi.bank/current-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 63,
  "institution": "DCU (trade name of First Technology FCU in the NCUA file)",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (one-time donation)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.dcu.org/bank/certificates/regular-certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 63,
  "institution": "Live Oak Bank",
  "kind": "bank",
  "state": "NC",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58665",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Account Fees: Online Banking Fee: No Charge Monthly Interest Disbursements Fee: No Charge Early Withdrawal Penalties: Early Principal Withdrawal of a CD with a term less than 24 months: 90 Days of Simple Interest Early Principal Withdrawal ",
  "source_url": "http://www.liveoakbank.com/personal-cd-accounts/?utm_source=vanity-url&utm_term=cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 3,
  "rank": 63,
  "institution": "Nuvision Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "566",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "IRS penalties may apply for early withdrawal.",
  "source_url": "https://www.nuvisioncu.org/rates/deposit-rates-certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 3,
  "rank": 63,
  "institution": "Patelco Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68579",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "And if you take money out before the end of the specified term, you\u2019ll likely have to pay an early withdrawal penalty.",
  "source_url": "https://www.patelco.org/financial-wellness/saving-money/what-is-share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 1,
  "institution": "Habib American Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "25093",
  "ncua_charter": "",
  "remote_opening": "states: NY, NJ, CA",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial early withdrawal penalties apply.",
  "source_url": "https://www.hab.bank/rates",
  "read_note": "Online application only for applicants who are at least 18, legal residents of the United States and live in New York, New Jersey or California. It requires a US Social Security number and a government ID other than a passport (read by hand 2026-09-25).",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 2,
  "institution": "Bank of Deerfield",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "4.40",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "2477",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ", IRAs, and HSA**\u2075 Term Minimum to Open Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield 25 Month $2,500 $2,500 4.34% 4.39% 36 Month $2,500 $2,500 4.40% 4.45% \u00b9 Substantial Penalty for Early Withdrawal \u00b2 Advertise",
  "source_url": "https://www.bankofdeerfield.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 3,
  "institution": "Climate First Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.33",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "penalty-free",
  "fdic_cert": "59257",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Personal CDs Business CDs Special Promotions 6-Month Penalty-Free CD 4.33% APY 1 Short-term growth with a strong return $500 minimum deposit No penalty for early withdrawals Read More 12-Month Penalty-Free CD 4.15% APY 2 Lock in a great rat",
  "source_url": "https://www.climatefirstbank.com/cd",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 4,
  "institution": "Quorum Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.30",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "22769",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "A penalty will be imposed if funds are withdrawn prior to maturity date.",
  "source_url": "https://www.quorumfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 4,
  "institution": "NASA Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.30",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6328",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Limitations: Early withdrawal penalties apply and may reduce earnings.",
  "source_url": "https://www.nasafcu.com/rates-and-fees/checking-savings/share-certificate-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 4,
  "institution": "Raymond James Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.30",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33893",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal.",
  "source_url": "https://www.raymondjamesbank.com/deposit-accounts",
  "read_note": "Rates effective September 18, 2026 per the bank's deposit page. Minimum $1,000, or $2,000 if bought through a Raymond James brokerage account. Rates by phone at 800.718.2265, option 4, or through an advisor.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 7,
  "institution": "Ivy Bank (Cambridge Savings Bank)",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17870",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalties for early withdrawal may be imposed.",
  "source_url": "https://www.ivybank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 8,
  "institution": "EagleBank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34742",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may reduce earnings.",
  "source_url": "https://www.eaglebankcorp.com/personal-banking/cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 9,
  "institution": "Heritage Bank Minnesota",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.16",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8865",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CD & IRA Interest Rates Rates current as of December 18, 2025 TYPE OF PRODUCT MINIMUM DEPOSIT INTEREST RATE Annual Percentage Yield (APY)* EARLY WITHDRAWAL PENALTIES (Minimum $25) 3 Month Fixed CD $250 4.10% 4.16% 91 Days Interest 6 Month F",
  "source_url": "https://heritagebankmn.com/personal/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 10,
  "institution": "First Service Bank",
  "kind": "bank",
  "state": "AR",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18519",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal will result in a penalty.",
  "source_url": "https://firstservicebank.com/cd-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 10,
  "institution": "Loyal Trust Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty may apply.",
  "source_url": "https://loyaltrustbank.com/wp-content/uploads/2026/08/Aug-3-Rate-Sheet-LTB.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 10,
  "institution": "Northeast Bank",
  "kind": "bank",
  "state": "ME",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19690",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.northeastbank.com/personal-cds-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 10,
  "institution": "Popular Direct",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34967",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.populardirect.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 14,
  "institution": "Synchrony Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.10",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27314",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% APY * High Yield Savings (HYS) No minimum balance Explore High Yield Savings % APY * Money Market Account (MMA) No minimum balance Explore Money Market Account FAQs View all FAQs Is there an early withdrawal penalty for CDs? Penalty Amoun",
  "source_url": "https://api.syf.com/v1/retailBank/products?serviceLevel=0000000",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 6,
  "rank": 14,
  "institution": "Enterprise Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33380",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.enterprise.bank/personal-banking/account-services/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 14,
  "institution": "Meade County Bank",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "4.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "25173",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://meadecountybank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 14,
  "institution": "Pacific National Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.10",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "26299",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "The posted rate is for US customers. A separate international CD is offered at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply to early withdrawals.",
  "source_url": "https://www.pnb.com/online-specials",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 18,
  "institution": "Farmers and Merchants Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.06",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14275",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "ates of Deposit Learn More Month Rate APY 3 Month 4.00% 4.06% 6 Month 4.00% 4.06% 12 Month 4.10% 4.16% 24 Month 4.20% 4.27% 36 Month 4.30% 4.37% 48 Month 4.30% 4.37% 60 Month 4.30% 4.37% Penalty with early withdrawal Find Us Contact Us Find",
  "source_url": "https://www.fmbmilligan.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 19,
  "institution": "BTG Pactual Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.05",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35154",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted CD rate is for US citizens and resident aliens. Residents of Brazil and Chile who are BTG Pactual clients can open a US dollar account held at Regent Bank.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply (except No-Penalty CDs).",
  "source_url": "https://www.btgpactual.us/banking/certificates-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 19,
  "institution": "HSBC Bank USA",
  "kind": "bank",
  "state": "VA",
  "apy_pct": "4.05",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57890",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Customers living in the countries it lists can apply.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.us.hsbc.com/savings-accounts/products/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 19,
  "institution": "Rising Bank (Midwest BankCentre)",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.05",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1058",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may apply.",
  "source_url": "https://www.risingbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 19,
  "institution": "Bank of Utah",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17159",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Ability to Add Funds to Account After Initial Deposit: No Ability to Make Early Withdrawals from Account: Not without penalty How to Open an Account: 3-Month, 6-Month, 1-Year, 2-Year, and all terms 3 years and longer can be opened online ; ",
  "source_url": "https://www.bankofutah.com/personal/checking-savings/certificate-of-deposit-accounts",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 19,
  "institution": "Financial Federal Bank",
  "kind": "bank",
  "state": "TN",
  "apy_pct": "4.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31840",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty will apply.",
  "source_url": "https://www.finfedmem.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 24,
  "institution": "Central State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "4.04",
  "min_deposit": "1500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "10903",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months Savings and NOW Checking Accounts Savings accounts provide a straightforward way to earn interest while maintaining liquidity.",
  "source_url": "https://www.centralstatebankia.com/personal/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 24,
  "institution": "The First State Bank of Rosemount",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.04",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9769",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "36 Month Roth IRA $500 3.00% 3.00% Annual 5 Year Roth IRA $500 3.00% 3.00% Annual \u2020 Variable Rate (Rate may be subject to change) * Fees could reduce earnings ** Minimum to earn interest Substantial penalty for early withdrawal of certifica",
  "source_url": "https://www.fsbrosemount.com/financial-tools/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 24,
  "institution": "Citizens National Bank of Texas",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.04",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "5574",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be assessed for early withdrawal.",
  "source_url": "https://www.cnboftexas.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 27,
  "institution": "Balboa Thrift and Loan Association",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.03",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26704",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty equal to three (3) months of interest may be imposed for early withdrawals.",
  "source_url": "https://www.balboathrift.com/deposits/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 28,
  "institution": "Washita State Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.01",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "**Early Withdrawal Penalties May Apply.",
  "source_url": "https://www.washitastatebank.com/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Service Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "4.00",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://servicecu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Bank5 Connect (BankFive)",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23286",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.bank5connect.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Credit Union of Southern California",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24983",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local or relative)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.cusocal.org/loans/personal/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "JetStream FCU",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24718",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local)",
  "early_withdrawal_penalty": "You have seven (7) days after the maturity date to withdraw or transfer the funds without incurring an early withdrawal penalty.",
  "source_url": "https://jetstreamfcu.org/our-rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "KS StateBank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19899",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You may be charged a substantial penalty for early withdrawals.",
  "source_url": "https://www.ksstate.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Prime Alliance Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57920",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties assessed for early withdrawal.",
  "source_url": "https://www.primealliance.bank/cds-2",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "The Corner Stone Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9388",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "000 3.20% 3.25% Regular IRAs $100 $0 4.75% 4.75% Roth IRAs $100 $0 4.75% 4.75% Educational IRAs $100 $0 1.25% 1.25% 17 Month Special $1,000 $1,000 4.12% 4.20% *Fees could reduce earnings on accounts *Early withdrawal penalties will or may b",
  "source_url": "https://www.thecornerstonebank.net/deposits/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Bread Savings",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57570",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawals on CDs.",
  "source_url": "https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Home Savings Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26798",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply on Certificate of Deposit accounts.",
  "source_url": "https://www.hsbutah.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "American Pride Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58584",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.americanpride.bank/personal/open-now-cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "CIBC Agility",
  "kind": "bank",
  "state": "IL",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33306",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Canadian residents can apply.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You'll have a 10-day grace period after the maturity date to withdraw your money without paying an early withdrawal fee.",
  "source_url": "https://us.cibc.com/en/agility/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Farmers Insurance FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "1074",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal.",
  "source_url": "https://figfcu.org/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "FinWise Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35323",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u2021 An early withdrawal penalty may apply for all Certificates of Deposit.",
  "source_url": "https://www.finwise.bank/personal-banking/certificate-of-deposit-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "First National Bank of America",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17438",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fnba.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "Newtek Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18734",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply to early withdrawals.",
  "source_url": "https://www.newtekbank.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 29,
  "institution": "One World Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57901",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.oneworldbank.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 45,
  "institution": "Bank of the Flint Hills",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.99",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4791",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.bfh.bank/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 46,
  "institution": "Marcus by Goldman Sachs",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "3.95",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33124",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Choose the term that works for you Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty 6 months High-Yield CD 3.95% $500 Yes 9 months High-Yield CD 4.30% $500 Yes",
  "source_url": "https://www.marcus.com/us/en/savings/high-yield-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 46,
  "institution": "Banesco USA",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.95",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57815",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted rate is for US customers. A separate international CD is offered at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificate of Deposit An account that earns a fixed rate of interest for a fixed term Open online $1,000 minimum opening balance No monthly maintenance fee $0.01 minimum balance to earn interest Early withdrawal penalties may apply 9 Zelle",
  "source_url": "https://banescousa.com/personal/deposits/us/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 46,
  "institution": "Live Oak Bank",
  "kind": "bank",
  "state": "NC",
  "apy_pct": "3.95",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58665",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Account Fees: Online Banking Fee: No Charge Monthly Interest Disbursements Fee: No Charge Early Withdrawal Penalties: Early Principal Withdrawal of a CD with a term less than 24 months: 90 Days of Simple Interest Early Principal Withdrawal ",
  "source_url": "http://www.liveoakbank.com/personal-cd-accounts/?utm_source=vanity-url&utm_term=cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 46,
  "institution": "Mercantile Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.95",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34598",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Subject to early withdrawal pen alty when principal is withdrawn prior to maturity.",
  "source_url": "https://mercbank.com/personal-banking/cds/merc",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 50,
  "institution": "Stearns Bank National Association",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.94",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10988",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3 No penalty may be imposed for early withdrawal.",
  "source_url": "https://www.stearnsbank.com/personal/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 51,
  "institution": "First Bank of Central Ohio",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "3.90",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59249",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.* Indicates minimum average balance to keep in account to avoid incursion of fees.",
  "source_url": "https://www.fbcentralohio.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 51,
  "institution": "Bask Bank (Texas Capital Bank)",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34383",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal and may reduce earnings.",
  "source_url": "https://baskbank.com/sites/default/files/Documents/Disclosures/rates-and-fee-schedule.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 51,
  "institution": "Beacon Community Bank",
  "kind": "bank",
  "state": "SC",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59106",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty of 5 months interest on the amount withdrawn will be imposed for early withdrawals on terms equal to 5 months.",
  "source_url": "https://www.beacon.bank/personal/banking/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 54,
  "institution": "Leighton State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.89",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10118",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "p 3.75% 3.80% Quarterly 4 Year Step 3.50% 3.55% Quarterly 5 Year 3.50% 3.53% Semi-Annually * Annual Percentage Yield (APY) Rates effective 8/24/2026 and subject to change $500 minimum balance for CDs Early withdrawal penalties may apply.",
  "source_url": "https://leightonbank.com/bank-with-us/personal/cds-iras-and-hsas/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 55,
  "institution": "Ally Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.85",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57803",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "High Yield CD AVAILABLE TERMS 2.8% correct as of 09/25/26 Choose from a variety of terms each offering a competitive, fixed rate Early withdrawal penalty will apply APY is fixed for the term of the CD but subject to change upon renewal No m",
  "source_url": "https://www.ally.com/bank/cd-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 55,
  "institution": "Mountain America Credit Union",
  "kind": "credit_union",
  "state": "UT",
  "apy_pct": "3.85",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24692",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (listed states)",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.macu.com/rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 6,
  "rank": 55,
  "institution": "Presidential Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "32363",
  "ncua_charter": "",
  "remote_opening": "no",
  "nonresident_eligible": "Nonresident aliens may be able to open an account in person at a branch.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal.",
  "source_url": "https://www.presidential.com/personal/banking/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 55,
  "institution": "Quaint Oak Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35497",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit accounts carry a substantial penalty for early withdrawal.",
  "source_url": "https://www.quaintoak.com/personal-banking/deposit-products/cd-account/2-year-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 59,
  "institution": "Citizens Bank & Trust Company",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "3.84",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15675",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.cbtky.com/personal/certificate-of-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 60,
  "institution": "West Point Bank",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "3.83",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "12166",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "The APY assumes interest will remain on deposit until maturity A penalty may be imposed for early withdrawal APY is accurate as of 9/16/2026 Upon maturity this CD will automatically renew into a 9-month CD unless you notify us of your inten",
  "source_url": "https://westpointbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 61,
  "institution": "Compass Savings Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.82",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Months Minimum Balance Rate APY* 6 $500 3.75% 3.82% 12 $500 3.85% 3.92% 18 $500 3.50% 3.56% 24 $500 3.50% 3.56% 36 $500 3.15% 3.20% 60 $500 3.15% 3.20% * Annual Percentage Yield Penalty may apply for early withdrawal and reduce earnings.",
  "source_url": "https://compassbank.us/savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 61,
  "institution": "Signal Financial FCU",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.82",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5571",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (donation)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.signalfinancialfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 61,
  "institution": "The Croghan Colonial Bank",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "3.82",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "13341",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply.",
  "source_url": "https://croghan.bank/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 61,
  "institution": "Gulf Coast Business Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.82",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59281",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.gcbbswfl.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 61,
  "institution": "Merchants Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "026 Choose from the following terms: 12 Month Flex Index CD Open Flex Index CD online Account Details: Minimum balance to open CD is $1000 Must maintain minimum balance of $1000 every day to earn APY Penalty may be imposed for early withdra",
  "source_url": "https://bankmerchants.com/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 66,
  "institution": "VisionBank",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.81",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "nth a,c Create Account 4.18% 4.25% 30 Month a,c Create Account 4.18% 4.25% 36 Month a,c Create Account 4.18% 4.25% 48 Month a,c Create Account 4.18% 4.25% 60 Month a,c Create Account 4.18% 4.25% a) A penalty may be imposed for early withdra",
  "source_url": "https://bankwithvision.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 67,
  "institution": "Credit Human",
  "kind": "credit_union",
  "state": "TX",
  "apy_pct": "3.80",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24382",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "0 and up 3.89% 3.96% 36 - 59 months $500.00 and up 3.91% 3.98% 60 - 83 months $500.00 and up 3.93% 4.00% 84 - 119 months $500.00 and up 3.95% 4.02% 120 months $500.00 and up 3.98% 4.05% Disclosures A penalty will be imposed for early withdr",
  "source_url": "https://credithuman.com/personal/cds/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 6,
  "rank": 67,
  "institution": "USALLIANCE Financial",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.80",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17587",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Dividend Savings Certificate Accounts Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).",
  "source_url": "https://www.usalliance.org/about-us/rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 67,
  "institution": "Homewood Federal Savings Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.80",
  "min_deposit": "7500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31267",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Member FDIC A penalty may be imposed for early withdrawal on certificates of deposit.",
  "source_url": "https://www.homewoodfsb.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 67,
  "institution": "Customers Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34444",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.customersbank.com/cds/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 67,
  "institution": "ESB Financial",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "16629",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Greater earnings than standard savings Receive higher rates by selecting a longer term Provides more guarantee than other risky investments A wide range of terms available (from 3 months to 5 years) Penalty for early withdrawal FDIC insured",
  "source_url": "https://www.esbfinancial.com/banking/personal-banking/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 72,
  "institution": "Longview Community Bank",
  "kind": "bank",
  "state": "IL",
  "apy_pct": "3.79",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "11319",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal on Certificates of Deposit and IRA\u2019s: Terms of one year and less: 30 days interest forfeiture Terms of 18, 24, 30 & 36 month: 90 days interest forfeiture Terms of 48 & 60 month: 180 days interest forfeiture Pr",
  "source_url": "https://longviewcb.com/deposit-services/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 73,
  "institution": "First Internet Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.76",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34607",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Learn More Business CD Accounts & Rates Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties 3-month CD 3.10 % 3.14 % 90 days interest Open Account 6-month CD 3.70 % 3.76 % 180 days interest Open Account 12",
  "source_url": "https://www.firstib.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 74,
  "institution": "Air Force Federal Credit Union (Vibrant)",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "out Certificates 6 $300 minimum opening deposit for all regular share and IRA accounts; $5 minimum deposit for youth club members under 18 years of age 7 Fees could reduce earnings on the account 8 A penalty will be imposed for early withdr",
  "source_url": "https://www.freedomfcu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 74,
  "institution": "BankUnited, National Association",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58979",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Yes, but early withdrawals may be subject to penalties depending on the CD term and account agreement.",
  "source_url": "https://www.bankunited.com/personal/savings-money-market-and-cd-accounts/certificate-of-deposit-accounts",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 74,
  "institution": "CIT Bank (First Citizens)",
  "kind": "bank",
  "state": "NC",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "11063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings.",
  "source_url": "https://www.cit.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 74,
  "institution": "Community First National Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35585",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal on any CD.",
  "source_url": "https://www.cfnb.bank/document-center.cfm?fx=DEMKIE6MTPPJJWDD",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 74,
  "institution": "First Jackson Bank, Inc.",
  "kind": "bank",
  "state": "AL",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23376",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "NOTICE: This account may require a minimum daily balance and/or impose a penalty for early withdrawal.",
  "source_url": "https://firstjacksonbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 74,
  "institution": "Ohio State Bank",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59144",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "f Deposit 1 Interest Rate APY 13-month 4.17% 4.25% 6-month 3.69% 3.75% 9-month 3.92% 4.00% 12-month 3.69% 3.75% 24-month 1.49% 1.50% 36-month 1.74% 1.75% 48-month 1.83% 1.85% 60-month 1.98% 2.00% 1 A penalty may be imposed for early withdra",
  "source_url": "https://bankatosb.com/personal-account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 80,
  "institution": "First Pryority Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.70",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4185",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties of 12 months apply.",
  "source_url": "https://pryority.bank/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 80,
  "institution": "Pathway Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.70",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1992",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial Penalty for Early Withdrawal.",
  "source_url": "https://www.pathwaybank.com/cds-iras-hsas",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 80,
  "institution": "State Savings Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.70",
  "min_deposit": "2000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "248",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.ssb.bank/personal/current-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 80,
  "institution": "Phelps County Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18841",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ".70% 12 Month CD 3.75% 3.80% 15 Month CD 3.75% 3.80% 18 Month CD 3.80% 3.85% 24 Month CD 3.85% 3.91% 30 Month CD 3.85% 3.91% 36 Month CD 3.90% 3.96% 48 Month CD 3.90% 3.96% 60 Month CD 3.90% 3.96% *A penalty may be imposed for early withdra",
  "source_url": "https://www.mypcb.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 84,
  "institution": "Rolette State Bank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.68",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9120",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Rates Certificates of Deposit (CDs) Effective January 8, 2026 Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.rolettestatebank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 85,
  "institution": "GTE Financial",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "3.66",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "196",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "While there are no penalties for monthly dividend withdrawals a penalty may be imposed for early withdrawal which could reduce the earnings on the account and/or reduce the principal.",
  "source_url": "https://www.gtefinancial.org/products/share-certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 86,
  "institution": "Freedom Bank of Southern Missouri",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.65",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35276",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Savings ++ $5 $0 0.40% 0.40% Business Savings ++ $100 $0 - - Tier 1 <$50,000.00 - $0 0.35% - Tier 2 $50,000.00 - $50,000 0.45% - Tier 3 $100,000.00 - $100,000 0.55% - APY = Annual Percentage Yield *A penalty may be imposed for early withdra",
  "source_url": "https://www.freedombk.com/deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 86,
  "institution": "Cross River Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "3.65",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58410",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs are subject to penalty for early withdrawal.",
  "source_url": "https://www.crossriver.com/personal-banking",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 86,
  "institution": "Fidelity Bank of Texas",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.65",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "21455",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.fbot.bank/Personal/CDs-IRAs/Interest-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 89,
  "institution": "BayFirst National Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.64",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34997",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.bayfirstfinancial.com/personal/savings-money-market-and-cds/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 90,
  "institution": "First Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.63",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.firstfedsavings.bank/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 91,
  "institution": "UniBank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58407",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal.",
  "source_url": "https://www.unibankusa.com/deposit/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 91,
  "institution": "Northrop Grumman FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.60",
  "min_deposit": "40000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24292",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (association)",
  "early_withdrawal_penalty": ",500 30 Month 3.65% 3.71% $2,500 36 Month 3.75% 3.81% $2,500 48 Month 3.75% 3.81% $2,500 60 Month 3.78% 3.84% $2,500 84 Month 3.30% 3.35% $2,500 Open an Account **A penalty will or may be imposed for early withdrawal *If minimum balance req",
  "source_url": "https://www.ngfcu.us/rates/savings-rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 91,
  "institution": "Alliant Credit Union",
  "kind": "credit_union",
  "state": "IL",
  "apy_pct": "3.60",
  "min_deposit": "75000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67955",
  "remote_opening": "not stated",
  "nonresident_eligible": "People living outside the US can join if they have a US Social Security number or an ITIN.",
  "cu_membership_open_nationwide": "yes (foundation)",
  "early_withdrawal_penalty": "If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.",
  "source_url": "https://www.alliantcreditunion.org/bank/credit-union-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 91,
  "institution": "Bradesco Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "21265",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If funds are withdrawn within six (6) days of the date of deposit, an early withdrawal penalty of seven (7) days\u2019 simple interest on the amount withdrawn will be charged.",
  "source_url": "https://bradescobank.com/es/certificate-of-deposit-bradesco/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 91,
  "institution": "EverBank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34775",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.everbank.com/product-selection?referid=31176",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 96,
  "institution": "Beach Cities Commercial Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.59",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59290",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty.",
  "source_url": "https://beachcitiescb.com/Rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 96,
  "institution": "Sidney Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.59",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6011",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "",
  "source_url": "https://sfcuonline.org/accounts/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 98,
  "institution": "State Bank of Bottineau",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.58",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9121",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3.79% a 60 MONTH CD $ 100.00 3.75% 3.79% a, b 21 MONTH RATE WATCH CD $ 2,500.00 3.60% 3.65% a, b 36 MONTH RATE WATCH CD $ 2,500.00 3.65% 3.70% a, b 57 MONTH RATE WATCH CD $ 2,500.00 3.70% 3.75% a) A penalty may be imposed for early withdraw",
  "source_url": "https://www.statebankofbottineau.com/assets/files/wbJLgSoZ",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 98,
  "institution": "KodaBank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.58",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8386",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$25,000 - $99,999* $100,000+* 3.30% 3.40% 3.50% 3.30% 3.40% 3.50% 60 Month: $1,000 - $24,999* $25,000 - $99,999* $100,000+* 3.40% 3.50% 3.60% 3.40% 3.50% 3.60% Rates Effective September 1st, 2026 *A penalty may be imposed for early withdraw",
  "source_url": "https://www.kodabank.com/personal/save-and-spend/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 100,
  "institution": "Putnam County State Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.56",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22895",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.putnamcountystatebank.com/cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 101,
  "institution": "First Community Credit Union",
  "kind": "credit_union",
  "state": "MO",
  "apy_pct": "3.55",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67619",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "not stated (employer or association groups)",
  "early_withdrawal_penalty": "Certificates have substantial penalties for early withdrawal.",
  "source_url": "https://www.firstcommunity.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 101,
  "institution": "Security Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4178",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal from a Certificate of Deposit.",
  "source_url": "https://www.sbtulsa.bank/Current-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 101,
  "institution": "Spring Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58780",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal of principal could reduce earnings, whether earned or not.",
  "source_url": "https://www.springbankwi.bank/current-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 104,
  "institution": "Celtic Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.54",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal on all Certificates of Deposit, with few exceptions.",
  "source_url": "https://www.celticbank.com/saving-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 105,
  "institution": "Mid-America Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.53",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17374",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.mid-americabank.com/personal-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 105,
  "institution": "The Bank of Old Monroe",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.53",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1655",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit may be subject to penalty for early withdrawal.",
  "source_url": "https://www.bankofoldmonroe.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 107,
  "institution": "Great Plains State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14058",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "2 Months $500 3.41% 3.45% 15 Months $500 3.84% 3.90% 18 Months $500 3.41% 3.45% 24 Months $500 3.21% 3.25% 36 Months $500 3.21% 3.25% 48 Months $500 3.26% 3.30% 60 Months $500 3.31% 3.35% Substantial penalty will be imposed for early withdr",
  "source_url": "https://gpsbanks.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 107,
  "institution": "Home Bank and Trust Company",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.50",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4664",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://homebank-trust.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 107,
  "institution": "Chevron Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24326",
  "remote_opening": "yes",
  "nonresident_eligible": "Chevron employees working outside the US can join. Other applicants need a US Social Security number.",
  "cu_membership_open_nationwide": "possibly (association)",
  "early_withdrawal_penalty": "All certificates are subject to an early withdrawal penalty.",
  "source_url": "https://www.chevronfcu.org/rates/share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 107,
  "institution": "Hanscom Federal Credit Union",
  "kind": "credit_union",
  "state": "MA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "9095",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply to certificates.",
  "source_url": "https://www.hfcu.org/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 107,
  "institution": "Ocean Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "24156",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Customers living abroad can open a separate international CD at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There will be a penalty for early withdrawals on CDs.",
  "source_url": "https://www.oceanbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 107,
  "institution": "Technology Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68383",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties will be imposed for early withdrawals.",
  "source_url": "https://www.techcu.com/Resources/Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 113,
  "institution": "Great Midwest Bank, S.S.B.",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.45",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29657",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may exist for early withdrawal on all Certificates of Deposit accounts and IRAs.",
  "source_url": "https://greatmidwestbank.com/bank-account/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 113,
  "institution": "RockPointBank, National Association",
  "kind": "bank",
  "state": "TN",
  "apy_pct": "3.45",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "59206",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.rockpoint.bank/personal/rockpoint-cd-specials",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 115,
  "institution": "Great North Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.43",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15146",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.greatnorthbank.com/wp-content/uploads/PDF/OAO-Rate.pdf",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 6,
  "rank": 116,
  "institution": "First Bank of the Lake",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26960",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fblake.bank/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 117,
  "institution": "DLP Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17734",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty for early withdrawal may apply.",
  "source_url": "https://www.dlp.bank/personal/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 118,
  "institution": "Crews Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.28",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8021",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal from a Time Deposit.",
  "source_url": "https://www.crews.bank/hubfs/_CBT/PDFs/Deposits%20Rate%20Sheet.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 119,
  "institution": "Commerce Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57429",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u00b2A penalty may be imposed for early withdrawal.",
  "source_url": "https://cbtfl.com/about-us/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 119,
  "institution": "DCU (trade name of First Technology FCU in the NCUA file)",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (one-time donation)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.dcu.org/bank/certificates/regular-certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 121,
  "institution": "Latino Community Credit Union",
  "kind": "credit_union",
  "state": "NC",
  "apy_pct": "3.20",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68430",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "% 3.50% 18 Months $500 3.55% 3.55% 24 Months $500 3.65% 3.65% 36 Months $500 3.70% 3.70% 48 Months $500 3.73% 3.73% 60 Months $500 3.75% 3.75% The Fine Print The important details Account Limitations/Early Withdrawal Penalties.",
  "source_url": "https://latinoccu.org/products-and-services/savings/certificates-of-deposit/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 121,
  "institution": "Sallie Mae Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.20",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58177",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.salliemae.com/savings/rate-table/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 121,
  "institution": "SECU Maryland",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "66330",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.secumd.org/more/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 124,
  "institution": "Justice Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.16",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "151",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Certificate is subject to penalty for early withdrawal.",
  "source_url": "https://www.jfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 125,
  "institution": "Visions Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.15",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17429",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.",
  "source_url": "https://www.visionsfcu.org/rates/ira-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 125,
  "institution": "SouthState Bank, National Association",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33555",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.southstatebank.com/personal/bank/interest-rates-for-personal-checking-and-savings",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 127,
  "institution": "First PREMIER Bank",
  "kind": "bank",
  "state": "SD",
  "apy_pct": "3.10",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "6085",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% APY 2.70% CD Term 48 to < 60 Months 2,3 Minimum Opening Deposit $500.00 Interest Rate 2.75% APY 2.75% CD Term 60 to < 72 Months 2,3 Minimum Opening Deposit $500.00 Interest Rate 2.85% APY 2.85% 2 A penalty may be imposed for early withdra",
  "source_url": "https://www.firstpremier.com/en/personal/savings-and-cds/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 128,
  "institution": "Directions Credit Union",
  "kind": "credit_union",
  "state": "OH",
  "apy_pct": "3.09",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "60978",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://directionscu.org/personal/save/savings-certificates/checking-savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 129,
  "institution": "Greater Nevada Credit Union",
  "kind": "credit_union",
  "state": "NV",
  "apy_pct": "3.06",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68228",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (Nevada)",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity.",
  "source_url": "https://www.gncu.org/banking/account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 130,
  "institution": "Clinton Bank",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "3.02",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "304",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "IFICATE OF DEPOSIT $10,000.00 $ 10,000.00 3.10% 3.14% 18 MONTH INDIVIDUAL RETIREMENT ACCOUNT'' $ 500.00 $ 500.00 3.00% 3.03% 30 MONTH INDIVIDUAL RETIREMENT ACCOUNT' $ 500.00 $ 500.00 4.30% 4.37% a) A penalty may be imposed for early withdra",
  "source_url": "https://www.clintonbankky.com/home/fiFiles/static/documents/weeklydepositrates.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 130,
  "institution": "Garden Plain State Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.02",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19687",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gpsbank.com/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 130,
  "institution": "DeMotte State Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.02",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15883",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "APY represents Annual Percentage Yield A penalty will be imposed for funds withdrawn prior to maturity for all time deposits.",
  "source_url": "https://www.netdsb.com/rates-fees/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 133,
  "institution": "United Republic Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58359",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$1,000 3.92% 4.00% 11-month Special $1,000 $1,000 3.78% 3.85% Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily ** A penalty may be assessed for early withdrawal.",
  "source_url": "https://www.unitedrepublic.bank/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 133,
  "institution": "United Savings Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "28836",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.unitedsavingsbank.com/certificate-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 133,
  "institution": "Commercial State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "13819",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% 1.45%** $25,000 - $49,999.99 1.54% 1.55%** $50,000 - and up 1.69% 1.70%** IRA 3.21% 3.25%* Rates may change after a variable account has been opened Certificates of Deposit ($1,000 Minimum Deposit, Penalty for Early Withdrawal) Type of Ac",
  "source_url": "https://www.wausabank.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 133,
  "institution": "Northpointe Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34953",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may be charged on certificates of deposit.",
  "source_url": "https://www.northpointe.com/banking/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 6,
  "rank": 133,
  "institution": "Nuvision Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "566",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "IRS penalties may apply for early withdrawal.",
  "source_url": "https://www.nuvisioncu.org/rates/deposit-rates-certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 1,
  "institution": "United Midwest Savings Bank, National Association",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "4.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "32441",
  "ncua_charter": "",
  "remote_opening": "no",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal.",
  "source_url": "https://www.umwsb.com/",
  "read_note": "Rate from the homepage banner '6-12 Month CDs with an APY of 4.75% are here!', which carries no date or minimum; the bank's CD rates page showed no rate table when read in a browser on 2026-09-24. The page says new customers must open their first account in person at a branch.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 2,
  "institution": "Tower Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.60",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "8333",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.",
  "source_url": "https://www.towerfcu.org/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 3,
  "institution": "Habib American Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "25093",
  "ncua_charter": "",
  "remote_opening": "states: NY, NJ, CA",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial early withdrawal penalties apply.",
  "source_url": "https://www.hab.bank/rates",
  "read_note": "Online application only for applicants who are at least 18, legal residents of the United States and live in New York, New Jersey or California. It requires a US Social Security number and a government ID other than a passport (read by hand 2026-09-25).",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 4,
  "institution": "BTG Pactual Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.45",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35154",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted CD rate is for US citizens and resident aliens. Residents of Brazil and Chile who are BTG Pactual clients can open a US dollar account held at Regent Bank.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply (except No-Penalty CDs).",
  "source_url": "https://www.btgpactual.us/banking/certificates-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 4,
  "institution": "Raymond James Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.45",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33893",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal.",
  "source_url": "https://www.raymondjamesbank.com/deposit-accounts",
  "read_note": "Rates effective September 18, 2026 per the bank's deposit page. Minimum $1,000, or $2,000 if bought through a Raymond James brokerage account. Rates by phone at 800.718.2265, option 4, or through an advisor.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 4,
  "institution": "EagleBank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.45",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34742",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may reduce earnings.",
  "source_url": "https://www.eaglebankcorp.com/personal-banking/cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 7,
  "institution": "USALLIANCE Financial",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.36",
  "min_deposit": "500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17587",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Dividend Savings Certificate Accounts Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).",
  "source_url": "https://www.usalliance.org/about-us/rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 8,
  "institution": "NASA Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.35",
  "min_deposit": "50",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6328",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Limitations: Early withdrawal penalties apply and may reduce earnings.",
  "source_url": "https://www.nasafcu.com/rates-and-fees/checking-savings/share-certificate-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 8,
  "institution": "Navy Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "4.35",
  "min_deposit": "50",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5536",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (military and DoD)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawals from certificate accounts.",
  "source_url": "https://www.navyfederal.org/checking-savings/savings/certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 8,
  "institution": "Quorum Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.35",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "22769",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "A penalty will be imposed if funds are withdrawn prior to maturity date.",
  "source_url": "https://www.quorumfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 8,
  "institution": "HSBC Bank USA",
  "kind": "bank",
  "state": "VA",
  "apy_pct": "4.35",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57890",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Customers living in the countries it lists can apply.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.us.hsbc.com/savings-accounts/products/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 8,
  "institution": "Bask Bank (Texas Capital Bank)",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34383",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal and may reduce earnings.",
  "source_url": "https://baskbank.com/sites/default/files/Documents/Disclosures/rates-and-fee-schedule.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 8,
  "institution": "CIBC Agility",
  "kind": "bank",
  "state": "IL",
  "apy_pct": "4.35",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "33306",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Canadian residents can apply.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You'll have a 10-day grace period after the maturity date to withdraw your money without paying an early withdrawal fee.",
  "source_url": "https://us.cibc.com/en/agility/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 8,
  "institution": "T Bank, National Association",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57703",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs & IRAs are subject to a early withdrawal penalty.",
  "source_url": "https://t.bank/home/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 15,
  "institution": "CFG Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34294",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A $500 minimum daily balance is required to obtain the Annual Percentage Yield (APY) * Early withdrawal penalties may apply.",
  "source_url": "https://www.cfg.bank/personal-banking/personal-deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 15,
  "institution": "First Bank of Central Ohio",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59249",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.* Indicates minimum average balance to keep in account to avoid incursion of fees.",
  "source_url": "https://www.fbcentralohio.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 15,
  "institution": "Sallie Mae Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.30",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58177",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.salliemae.com/savings/rate-table/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 15,
  "institution": "First National Bank of America",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17438",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fnba.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 15,
  "institution": "MapleMark Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "3182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply, including up to six months of interest.",
  "source_url": "https://maplemarkbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 15,
  "institution": "Pacific National Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "26299",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "The posted rate is for US customers. A separate international CD is offered at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply to early withdrawals.",
  "source_url": "https://www.pnb.com/online-specials",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 21,
  "institution": "Washita State Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.26",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "**Early Withdrawal Penalties May Apply.",
  "source_url": "https://www.washitastatebank.com/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Bank of Deerfield",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "4.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "2477",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ", IRAs, and HSA**\u2075 Term Minimum to Open Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield 25 Month $2,500 $2,500 4.34% 4.39% 36 Month $2,500 $2,500 4.40% 4.45% \u00b9 Substantial Penalty for Early Withdrawal \u00b2 Advertise",
  "source_url": "https://www.bankofdeerfield.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Prime Alliance Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57920",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties assessed for early withdrawal.",
  "source_url": "https://www.primealliance.bank/cds-2",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Bread Savings",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57570",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawals on CDs.",
  "source_url": "https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Barclays US Online Banking",
  "kind": "bank",
  "state": "DE",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57203",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certain circumstances, like print statement requests and early withdrawal of CDs, may incur fees or penalties.",
  "source_url": "https://banking.us.barclays/online-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Chevron Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24326",
  "remote_opening": "yes",
  "nonresident_eligible": "Chevron employees working outside the US can join. Other applicants need a US Social Security number.",
  "cu_membership_open_nationwide": "possibly (association)",
  "early_withdrawal_penalty": "All certificates are subject to an early withdrawal penalty.",
  "source_url": "https://www.chevronfcu.org/rates/share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Credit Union of Southern California",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24983",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local or relative)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.cusocal.org/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Loyal Trust Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty may apply.",
  "source_url": "https://loyaltrustbank.com/wp-content/uploads/2026/08/Aug-3-Rate-Sheet-LTB.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Northeast Bank",
  "kind": "bank",
  "state": "ME",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19690",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.northeastbank.com/personal-cds-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Popular Direct",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34967",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.populardirect.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Producers Bank & Trust",
  "kind": "bank",
  "state": "AR",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "11242",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://producers.bank/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "Salem Five Direct",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "23296",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "onth CD Open the 7-month CD CD Special 4.00% APY 1 12-month CD Open the 12-month CD CD Special 4.25% APY 1 15-month CD Open the 15-month CD CD Special 4.30% APY 1 18-Month CD Open the 18-month CD 1 A penalty will be imposed for premature wi",
  "source_url": "https://www.salemfivedirect.com/special-cd-promotion/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 22,
  "institution": "VisionBank",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "nth a,c Create Account 4.18% 4.25% 30 Month a,c Create Account 4.18% 4.25% 36 Month a,c Create Account 4.18% 4.25% 48 Month a,c Create Account 4.18% 4.25% 60 Month a,c Create Account 4.18% 4.25% a) A penalty may be imposed for early withdra",
  "source_url": "https://bankwithvision.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 34,
  "institution": "Gulf Coast Business Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.24",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59281",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.gcbbswfl.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 35,
  "institution": "Bank of Utah",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17159",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Ability to Add Funds to Account After Initial Deposit: No Ability to Make Early Withdrawals from Account: Not without penalty How to Open an Account: 3-Month, 6-Month, 1-Year, 2-Year, and all terms 3 years and longer can be opened online ; ",
  "source_url": "https://www.bankofutah.com/personal/checking-savings/certificate-of-deposit-accounts",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 35,
  "institution": "Pibank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "25258",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply for early withdrawal of principal before maturity.",
  "source_url": "https://www.pibank.com/pibank-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 37,
  "institution": "Bank of the Flint Hills",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "4.18",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4791",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.bfh.bank/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 38,
  "institution": "Sidney Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.17",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6011",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "",
  "source_url": "https://sfcuonline.org/accounts/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 39,
  "institution": "Farmers and Merchants Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.16",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14275",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "ates of Deposit Learn More Month Rate APY 3 Month 4.00% 4.06% 6 Month 4.00% 4.06% 12 Month 4.10% 4.16% 24 Month 4.20% 4.27% 36 Month 4.30% 4.37% 48 Month 4.30% 4.37% 60 Month 4.30% 4.37% Penalty with early withdrawal Find Us Contact Us Find",
  "source_url": "https://www.fmbmilligan.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 40,
  "institution": "Ally Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.15",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57803",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "High Yield CD AVAILABLE TERMS 2.8% correct as of 09/25/26 Choose from a variety of terms each offering a competitive, fixed rate Early withdrawal penalty will apply APY is fixed for the term of the CD but subject to change upon renewal No m",
  "source_url": "https://www.ally.com/bank/cd-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 40,
  "institution": "Alliant Credit Union",
  "kind": "credit_union",
  "state": "IL",
  "apy_pct": "4.15",
  "min_deposit": "75000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67955",
  "remote_opening": "not stated",
  "nonresident_eligible": "People living outside the US can join if they have a US Social Security number or an ITIN.",
  "cu_membership_open_nationwide": "yes (foundation)",
  "early_withdrawal_penalty": "If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.",
  "source_url": "https://www.alliantcreditunion.org/bank/credit-union-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 40,
  "institution": "Climate First Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "penalty-free",
  "fdic_cert": "59257",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Personal CDs Business CDs Special Promotions 6-Month Penalty-Free CD 4.33% APY 1 Short-term growth with a strong return $500 minimum deposit No penalty for early withdrawals Read More 12-Month Penalty-Free CD 4.15% APY 2 Lock in a great rat",
  "source_url": "https://www.climatefirstbank.com/cd",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 40,
  "institution": "Enterprise Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33380",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.enterprise.bank/personal-banking/account-services/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 40,
  "institution": "Gala Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59358",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gala.bank/deposits/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 40,
  "institution": "Live Oak Bank",
  "kind": "bank",
  "state": "NC",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58665",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Account Fees: Online Banking Fee: No Charge Monthly Interest Disbursements Fee: No Charge Early Withdrawal Penalties: Early Principal Withdrawal of a CD with a term less than 24 months: 90 Days of Simple Interest Early Principal Withdrawal ",
  "source_url": "http://www.liveoakbank.com/personal-cd-accounts/?utm_source=vanity-url&utm_term=cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 40,
  "institution": "State Bank of Texas",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27074",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal will apply and will reduce the earnings on the certificate.",
  "source_url": "https://sbt.bank/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 47,
  "institution": "Synchrony Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.10",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27314",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% APY * High Yield Savings (HYS) No minimum balance Explore High Yield Savings % APY * Money Market Account (MMA) No minimum balance Explore Money Market Account FAQs View all FAQs Is there an early withdrawal penalty for CDs? Penalty Amoun",
  "source_url": "https://api.syf.com/v1/retailBank/products?serviceLevel=0000000",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 47,
  "institution": "Service Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "4.10",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://servicecu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 47,
  "institution": "Newtek Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18734",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply to early withdrawals.",
  "source_url": "https://www.newtekbank.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 50,
  "institution": "Balboa Thrift and Loan Association",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.08",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26704",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty equal to three (3) months of interest may be imposed for early withdrawals.",
  "source_url": "https://www.balboathrift.com/deposits/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 50,
  "institution": "Merchants Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "4.08",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "flex",
  "fdic_cert": "8056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "026 Choose from the following terms: 12 Month Flex Index CD Open Flex Index CD online Account Details: Minimum balance to open CD is $1000 Must maintain minimum balance of $1000 every day to earn APY Penalty may be imposed for early withdra",
  "source_url": "https://bankmerchants.com/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 52,
  "institution": "Beach Cities Commercial Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.07",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59290",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty.",
  "source_url": "https://beachcitiescb.com/Rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 52,
  "institution": "Community Commerce Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.07",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26363",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "4 Substantial penalty for early withdrawal.",
  "source_url": "https://ccombank.com/deposits/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 52,
  "institution": "Putnam County State Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.07",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22895",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.putnamcountystatebank.com/cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 55,
  "institution": "Freedom Bank of Southern Missouri",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.06",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35276",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Savings ++ $5 $0 0.40% 0.40% Business Savings ++ $100 $0 - - Tier 1 <$50,000.00 - $0 0.35% - Tier 2 $50,000.00 - $50,000 0.45% - Tier 3 $100,000.00 - $100,000 0.55% - APY = Annual Percentage Yield *A penalty may be imposed for early withdra",
  "source_url": "https://www.freedombk.com/deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 56,
  "institution": "Signal Financial FCU",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.05",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5571",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (donation)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.signalfinancialfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 56,
  "institution": "Rising Bank (Midwest BankCentre)",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.05",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1058",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may apply.",
  "source_url": "https://www.risingbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 56,
  "institution": "The Corner Stone Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.05",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9388",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "000 3.20% 3.25% Regular IRAs $100 $0 4.75% 4.75% Roth IRAs $100 $0 4.75% 4.75% Educational IRAs $100 $0 1.25% 1.25% 17 Month Special $1,000 $1,000 4.12% 4.20% *Fees could reduce earnings on accounts *Early withdrawal penalties will or may b",
  "source_url": "https://www.thecornerstonebank.net/deposits/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 56,
  "institution": "Access Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.05",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "58727",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "penalty may be imposed for early withdrawal.",
  "source_url": "https://www.accessbank.com/for-you/accounts/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 56,
  "institution": "Banesco USA",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57815",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted rate is for US customers. A separate international CD is offered at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificate of Deposit An account that earns a fixed rate of interest for a fixed term Open online $1,000 minimum opening balance No monthly maintenance fee $0.01 minimum balance to earn interest Early withdrawal penalties may apply 9 Zelle",
  "source_url": "https://banescousa.com/personal/deposits/us/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 56,
  "institution": "Financial Federal Bank",
  "kind": "bank",
  "state": "TN",
  "apy_pct": "4.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31840",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty will apply.",
  "source_url": "https://www.finfedmem.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 62,
  "institution": "Leighton State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "4.04",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10118",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "p 3.75% 3.80% Quarterly 4 Year Step 3.50% 3.55% Quarterly 5 Year 3.50% 3.53% Semi-Annually * Annual Percentage Yield (APY) Rates effective 8/24/2026 and subject to change $500 minimum balance for CDs Early withdrawal penalties may apply.",
  "source_url": "https://leightonbank.com/bank-with-us/personal/cds-iras-and-hsas/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 63,
  "institution": "One American Bank",
  "kind": "bank",
  "state": "SD",
  "apy_pct": "4.01",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "6078",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://oneamericanbank.com/rate/cd",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "Bank5 Connect (BankFive)",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23286",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.bank5connect.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "Citizens Bank & Trust Company",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15675",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.cbtky.com/personal/certificate-of-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "First Community Credit Union",
  "kind": "credit_union",
  "state": "MO",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67619",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "not stated (employer or association groups)",
  "early_withdrawal_penalty": "Certificates have substantial penalties for early withdrawal.",
  "source_url": "https://www.firstcommunity.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "JetStream FCU",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24718",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local)",
  "early_withdrawal_penalty": "You have seven (7) days after the maturity date to withdraw or transfer the funds without incurring an early withdrawal penalty.",
  "source_url": "https://jetstreamfcu.org/our-rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "Legacy Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59204",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty will be imposed.",
  "source_url": "https://www.legacybankca.com/personal/online-account-opening-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "Home Savings Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26798",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply on Certificate of Deposit accounts.",
  "source_url": "https://www.hsbutah.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "American Pride Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58584",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.americanpride.bank/personal/open-now-cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "FinWise Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35323",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u2021 An early withdrawal penalty may apply for all Certificates of Deposit.",
  "source_url": "https://www.finwise.bank/wp-content/uploads/2026/04/Online-FW-Savings-Certificate-of-Deposit-Rates-04-10-2026.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 64,
  "institution": "Technology Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68383",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties will be imposed for early withdrawals.",
  "source_url": "https://www.techcu.com/Resources/Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 73,
  "institution": "Northrop Grumman FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.97",
  "min_deposit": "40000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24292",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (association)",
  "early_withdrawal_penalty": ",500 30 Month 3.65% 3.71% $2,500 36 Month 3.75% 3.81% $2,500 48 Month 3.75% 3.81% $2,500 60 Month 3.78% 3.84% $2,500 84 Month 3.30% 3.35% $2,500 Open an Account **A penalty will or may be imposed for early withdrawal *If minimum balance req",
  "source_url": "https://www.ngfcu.us/rates/savings-rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 74,
  "institution": "Heritage Bank Minnesota",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.96",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8865",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CD & IRA Interest Rates Rates current as of December 18, 2025 TYPE OF PRODUCT MINIMUM DEPOSIT INTEREST RATE Annual Percentage Yield (APY)* EARLY WITHDRAWAL PENALTIES (Minimum $25) 3 Month Fixed CD $250 4.10% 4.16% 91 Days Interest 6 Month F",
  "source_url": "https://heritagebankmn.com/personal/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 74,
  "institution": "State Savings Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.96",
  "min_deposit": "2000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "248",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.ssb.bank/personal/current-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 76,
  "institution": "Credit Human",
  "kind": "credit_union",
  "state": "TX",
  "apy_pct": "3.95",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24382",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "0 and up 3.89% 3.96% 36 - 59 months $500.00 and up 3.91% 3.98% 60 - 83 months $500.00 and up 3.93% 4.00% 84 - 119 months $500.00 and up 3.95% 4.02% 120 months $500.00 and up 3.98% 4.05% Disclosures A penalty will be imposed for early withdr",
  "source_url": "https://credithuman.com/personal/cds/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 76,
  "institution": "KS StateBank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.95",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19899",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You may be charged a substantial penalty for early withdrawals.",
  "source_url": "https://www.ksstate.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 76,
  "institution": "BankUnited, National Association",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.95",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58979",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Yes, but early withdrawals may be subject to penalties depending on the CD term and account agreement.",
  "source_url": "https://www.bankunited.com/personal/savings-money-market-and-cd-accounts/certificate-of-deposit-accounts",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 79,
  "institution": "Compass Savings Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.92",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Months Minimum Balance Rate APY* 6 $500 3.75% 3.82% 12 $500 3.85% 3.92% 18 $500 3.50% 3.56% 24 $500 3.50% 3.56% 36 $500 3.15% 3.20% 60 $500 3.15% 3.20% * Annual Percentage Yield Penalty may apply for early withdrawal and reduce earnings.",
  "source_url": "https://compassbank.us/savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 79,
  "institution": "Community Bank & Trust, Waco, Texas",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.92",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "17108",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawals.",
  "source_url": "https://www.cbtwaco.bank/special-rate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 81,
  "institution": "Beacon Community Bank",
  "kind": "bank",
  "state": "SC",
  "apy_pct": "3.91",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59106",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty of 5 months interest on the amount withdrawn will be imposed for early withdrawals on terms equal to 5 months.",
  "source_url": "https://www.beacon.bank/personal/banking/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 82,
  "institution": "Marcus by Goldman Sachs",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "3.90",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33124",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Choose the term that works for you Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty 6 months High-Yield CD 3.95% $500 Yes 9 months High-Yield CD 4.30% $500 Yes",
  "source_url": "https://www.marcus.com/us/en/savings/high-yield-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 82,
  "institution": "Mountain America Credit Union",
  "kind": "credit_union",
  "state": "UT",
  "apy_pct": "3.90",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24692",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (listed states)",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.macu.com/rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 82,
  "institution": "Twin Cedars Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.90",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1556",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.twincedars.bank/bank-account-rate-sheet",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 82,
  "institution": "Celtic Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal on all Certificates of Deposit, with few exceptions.",
  "source_url": "https://www.celticbank.com/saving-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 82,
  "institution": "Community First National Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35585",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal on any CD.",
  "source_url": "https://www.cfnb.bank/document-center.cfm?fx=DEMKIE6MTPPJJWDD",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 82,
  "institution": "Quaint Oak Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35497",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit accounts carry a substantial penalty for early withdrawal.",
  "source_url": "https://www.quaintoak.com/personal-banking/deposit-products/cd-account/2-year-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 88,
  "institution": "Freedom Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "3.85",
  "min_deposit": "500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "58712",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.fbnj.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 88,
  "institution": "Stearns Bank National Association",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.85",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10988",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3 No penalty may be imposed for early withdrawal.",
  "source_url": "https://www.stearnsbank.com/personal/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 88,
  "institution": "Ent Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Individual Retirement Account (IRA) Annual contribution limits apply and penalties may apply for early withdrawal.",
  "source_url": "https://www.ent.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 88,
  "institution": "Mercantile Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34598",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Subject to early withdrawal pen alty when principal is withdrawn prior to maturity.",
  "source_url": "https://mercbank.com/personal-banking/cds/merc",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 92,
  "institution": "The Croghan Colonial Bank",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "3.82",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "13341",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply.",
  "source_url": "https://croghan.bank/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 92,
  "institution": "Citizens National Bank of Texas",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "5574",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be assessed for early withdrawal.",
  "source_url": "https://www.cnboftexas.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 92,
  "institution": "GTE Financial",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "196",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "While there are no penalties for monthly dividend withdrawals a penalty may be imposed for early withdrawal which could reduce the earnings on the account and/or reduce the principal.",
  "source_url": "https://www.gtefinancial.org/products/share-certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 92,
  "institution": "Plains State Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17739",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://psbplains.com/personal/cd-money-market-offers/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 96,
  "institution": "Homewood Federal Savings Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.80",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31267",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Member FDIC A penalty may be imposed for early withdrawal on certificates of deposit.",
  "source_url": "https://www.homewoodfsb.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 96,
  "institution": "Garden Plain State Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.80",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19687",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gpsbank.com/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 96,
  "institution": "Andrews Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.80",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5754",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.andrewsfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 96,
  "institution": "Phelps County Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18841",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ".70% 12 Month CD 3.75% 3.80% 15 Month CD 3.75% 3.80% 18 Month CD 3.80% 3.85% 24 Month CD 3.85% 3.91% 30 Month CD 3.85% 3.91% 36 Month CD 3.90% 3.96% 48 Month CD 3.90% 3.96% 60 Month CD 3.90% 3.96% *A penalty may be imposed for early withdra",
  "source_url": "https://www.mypcb.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 100,
  "institution": "Directions Credit Union",
  "kind": "credit_union",
  "state": "OH",
  "apy_pct": "3.76",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "60978",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://directionscu.org/personal/save/savings-certificates/checking-savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 100,
  "institution": "Lafayette Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.76",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "619",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (MD DC VA only for the ACC route)",
  "early_withdrawal_penalty": "to Earn APY 2 Dividend APY 2 1 Early withdrawal penalties may apply.",
  "source_url": "https://www.lfcu.org/personal/certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Academy Bank, National Association",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.75",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19600",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If not a CD, then should I try a Money Market All 3 * Annual Percentage Yield 1 A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.academybank.com/personal/save/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Home Bank and Trust Company",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.75",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4664",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://homebank-trust.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Commerce Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57429",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u00b2A penalty may be imposed for early withdrawal.",
  "source_url": "https://cbtfl.com/about-us/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "First Jackson Bank, Inc.",
  "kind": "bank",
  "state": "AL",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23376",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "NOTICE: This account may require a minimum daily balance and/or impose a penalty for early withdrawal.",
  "source_url": "https://firstjacksonbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Hanscom Federal Credit Union",
  "kind": "credit_union",
  "state": "MA",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "9095",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply to certificates.",
  "source_url": "https://www.hfcu.org/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Ohio State Bank",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59144",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "f Deposit 1 Interest Rate APY 13-month 4.17% 4.25% 6-month 3.69% 3.75% 9-month 3.92% 4.00% 12-month 3.69% 3.75% 24-month 1.49% 1.50% 36-month 1.74% 1.75% 48-month 1.83% 1.85% 60-month 1.98% 2.00% 1 A penalty may be imposed for early withdra",
  "source_url": "https://bankatosb.com/personal-account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Presidential Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "32363",
  "ncua_charter": "",
  "remote_opening": "no",
  "nonresident_eligible": "Nonresident aliens may be able to open an account in person at a branch.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal.",
  "source_url": "https://www.presidential.com/personal/banking/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Seattle Bank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35139",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty assessed for early withdrawal.",
  "source_url": "https://www.seattlebank.com/personal/personal-banking/certificates-of-deposit-cd.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 102,
  "institution": "Spring Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58780",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal of principal could reduce earnings, whether earned or not.",
  "source_url": "https://www.springbankwi.bank/current-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 111,
  "institution": "The First State Bank of Rosemount",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.74",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9769",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "36 Month Roth IRA $500 3.00% 3.00% Annual 5 Year Roth IRA $500 3.00% 3.00% Annual \u2020 Variable Rate (Rate may be subject to change) * Fees could reduce earnings ** Minimum to earn interest Substantial penalty for early withdrawal of certifica",
  "source_url": "https://www.fsbrosemount.com/financial-tools/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 112,
  "institution": "First Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.73",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.firstfedsavings.bank/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 113,
  "institution": "Clinton Bank",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "3.70",
  "min_deposit": "10000",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "304",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "IFICATE OF DEPOSIT $10,000.00 $ 10,000.00 3.10% 3.14% 18 MONTH INDIVIDUAL RETIREMENT ACCOUNT'' $ 500.00 $ 500.00 3.00% 3.03% 30 MONTH INDIVIDUAL RETIREMENT ACCOUNT' $ 500.00 $ 500.00 4.30% 4.37% a) A penalty may be imposed for early withdra",
  "source_url": "https://www.clintonbankky.com/home/fiFiles/static/documents/weeklydepositrates.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 113,
  "institution": "First State Bank of Bigfork",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.70",
  "min_deposit": "45000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10991",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty of 30 days interest is imposed on early withdrawal.",
  "source_url": "https://www.fsbbigfork.com/services-tools/helpful-tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 115,
  "institution": "State Bank of Bottineau",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.68",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9121",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3.79% a 60 MONTH CD $ 100.00 3.75% 3.79% a, b 21 MONTH RATE WATCH CD $ 2,500.00 3.60% 3.65% a, b 36 MONTH RATE WATCH CD $ 2,500.00 3.65% 3.70% a, b 57 MONTH RATE WATCH CD $ 2,500.00 3.70% 3.75% a) A penalty may be imposed for early withdraw",
  "source_url": "https://www.statebankofbottineau.com/assets/files/wbJLgSoZ",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 115,
  "institution": "Rolette State Bank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.68",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9120",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Rates Certificates of Deposit (CDs) Effective January 8, 2026 Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.rolettestatebank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 117,
  "institution": "First Internet Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.67",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34607",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Learn More Business CD Accounts & Rates Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties 3-month CD 3.10 % 3.14 % 90 days interest Open Account 6-month CD 3.70 % 3.76 % 180 days interest Open Account 12",
  "source_url": "https://www.firstib.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 118,
  "institution": "Forbright Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.65",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57614",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply to all Certificates of Deposit.",
  "source_url": "https://www.forbrightbank.com/personal-banking/growth-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 118,
  "institution": "SECU Maryland",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.65",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "66330",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.secumd.org/personal/banking/savings/cds/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 120,
  "institution": "Georgia's Own Credit Union",
  "kind": "credit_union",
  "state": "GA",
  "apy_pct": "3.62",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67390",
  "remote_opening": "yes",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "no (counties or family)",
  "early_withdrawal_penalty": "Partial balance withdrawals are subject to an early withdrawal penalty.",
  "source_url": "https://www.georgiasown.org/rates/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 121,
  "institution": "Stryv Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.60",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "21955",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal will reduce earnings.",
  "source_url": "https://stryvbank.com/personal/individual-retirement-accounts-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 121,
  "institution": "Pathway Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1992",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial Penalty for Early Withdrawal.",
  "source_url": "https://www.pathwaybank.com/cds-iras-hsas",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 121,
  "institution": "UniBank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58407",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal.",
  "source_url": "https://www.unibankusa.com/deposit/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 124,
  "institution": "Central State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.58",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10903",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months Savings and NOW Checking Accounts Savings accounts provide a straightforward way to earn interest while maintaining liquidity.",
  "source_url": "https://www.centralstatebankia.com/personal/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 125,
  "institution": "First Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.56",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9620",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "the Team Details CDARS Rates Calculator Fixed rates, higher than standard savings Provides more guarantee than risky investments Set aside for future savings goals No setup or monthly service charges Early withdrawals subject to penalty $2,",
  "source_url": "https://www.first1bank.com/personal/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 126,
  "institution": "Crews Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.55",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8021",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal from a Time Deposit.",
  "source_url": "https://www.crews.bank/hubfs/_CBT/PDFs/Deposits%20Rate%20Sheet.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 126,
  "institution": "First Pryority Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.55",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4185",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties of 12 months apply.",
  "source_url": "https://pryority.bank/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 126,
  "institution": "Seacoast National Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "131",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal may be subject to penalty.",
  "source_url": "https://www.seacoastbank.com/personal/banking/savings",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 129,
  "institution": "Great North Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.53",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15146",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.greatnorthbank.com/wp-content/uploads/PDF/OAO-Rate.pdf",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "American Express National Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.50",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27471",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "rawn with no penalty  -  great for unexpected challenges Explore HYSA Certificate of Deposit Account Know exactly how much your investment will earn A fixed APY protects you from falling interest rates Early withdrawal fee helps reinforce a",
  "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/cd/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "Cross River Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58410",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs are subject to penalty for early withdrawal.",
  "source_url": "https://www.crossriver.com/personal-banking",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "Latino Community Credit Union",
  "kind": "credit_union",
  "state": "NC",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68430",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "% 3.50% 18 Months $500 3.55% 3.55% 24 Months $500 3.65% 3.65% 36 Months $500 3.70% 3.70% 48 Months $500 3.73% 3.73% 60 Months $500 3.75% 3.75% The Fine Print The important details Account Limitations/Early Withdrawal Penalties.",
  "source_url": "https://latinoccu.org/products-and-services/savings/certificates-of-deposit/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "Visions Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17429",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.",
  "source_url": "https://www.visionsfcu.org/rates/ira-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "Ponce Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "3.50",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31189",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity on CDs.",
  "source_url": "https://www.poncebank.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "BankPurely (Washington Federal Bank)",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "28088",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal on CDs.",
  "source_url": "https://www.bankpurely.com/purely-cds/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "Bradesco Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "21265",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If funds are withdrawn within six (6) days of the date of deposit, an early withdrawal penalty of seven (7) days\u2019 simple interest on the amount withdrawn will be charged.",
  "source_url": "https://bradescobank.com/es/certificate-of-deposit-bradesco/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "EverBank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34775",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.everbank.com/product-selection?referid=31176",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 130,
  "institution": "Happen Bank, National Association",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "32551",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Monthly withdrawals of earned interest are permitted, however any withdrawals of principal balances would only be allowed at the banks discretion and may incur early withdrawal fees.",
  "source_url": "https://www.happen.com/personal-banking/savings/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 139,
  "institution": "BayFirst National Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.49",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34997",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.bayfirstfinancial.com/personal/savings-money-market-and-cds/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 139,
  "institution": "Security Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.49",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4178",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal from a Certificate of Deposit.",
  "source_url": "https://www.sbtulsa.bank/Current-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 141,
  "institution": "Great Plains State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.45",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14058",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "2 Months $500 3.41% 3.45% 15 Months $500 3.84% 3.90% 18 Months $500 3.41% 3.45% 24 Months $500 3.21% 3.25% 36 Months $500 3.21% 3.25% 48 Months $500 3.26% 3.30% 60 Months $500 3.31% 3.35% Substantial penalty will be imposed for early withdr",
  "source_url": "https://gpsbanks.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 142,
  "institution": "Nuvision Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "566",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "IRS penalties may apply for early withdrawal.",
  "source_url": "https://www.nuvisioncu.org/rates/deposit-rates-certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 143,
  "institution": "First Bank of the Lake",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26960",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fblake.bank/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 144,
  "institution": "Justice Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.31",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "151",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Certificate is subject to penalty for early withdrawal.",
  "source_url": "https://www.jfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 145,
  "institution": "KodaBank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.30",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8386",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$25,000 - $99,999* $100,000+* 3.30% 3.40% 3.50% 3.30% 3.40% 3.50% 60 Month: $1,000 - $24,999* $25,000 - $99,999* $100,000+* 3.40% 3.50% 3.60% 3.40% 3.50% 3.60% Rates Effective September 1st, 2026 *A penalty may be imposed for early withdraw",
  "source_url": "https://www.kodabank.com/personal/save-and-spend/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 146,
  "institution": "The Bank of Old Monroe",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.28",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1655",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit may be subject to penalty for early withdrawal.",
  "source_url": "https://www.bankofoldmonroe.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 147,
  "institution": "Affinity Federal Credit Union",
  "kind": "credit_union",
  "state": "NJ",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "857",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (donation)",
  "early_withdrawal_penalty": "We will impose an early withdrawal penalty of at least seven (7) days\u2019 simple interest if funds are withdrawn within six days of the date of deposit or within six days of the date of the immediately preceding partial withdrawal.",
  "source_url": "https://www.affinityfcu.com/about-us/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 147,
  "institution": "Amerant Bank, National Association",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22953",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "The posted rate is for US customers. A separate international CD is offered at a rate set by a banker.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply.",
  "source_url": "https://www.amerantbank.com/products/personal/personal-savings/ira-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 147,
  "institution": "Citizens Access",
  "kind": "bank",
  "state": "RI",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57957",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.secure.citizensaccess.com/Citizens/customer-service/rate-sheet",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 12,
  "rank": 147,
  "institution": "DCU (trade name of First Technology FCU in the NCUA file)",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (one-time donation)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.dcu.org/bank/certificates/regular-certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 147,
  "institution": "Farmers Insurance FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "1074",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal.",
  "source_url": "https://figfcu.org/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 147,
  "institution": "Northpointe Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34953",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may be charged on certificates of deposit.",
  "source_url": "https://www.northpointe.com/banking/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 147,
  "institution": "Truist Bank",
  "kind": "bank",
  "state": "NC",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9846",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Withdrawal Transaction Limitations If applicable, a penalty will be imposed for early withdrawals that may result in reduction of principal if accrued interest is not sufficient to cover the penalty.",
  "source_url": "https://www.truist.com/savings/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 154,
  "institution": "Greater Nevada Credit Union",
  "kind": "credit_union",
  "state": "NV",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68228",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (Nevada)",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity.",
  "source_url": "https://www.gncu.org/banking/account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 154,
  "institution": "Kinecta Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "4142",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal of certificate funds.",
  "source_url": "https://www.kinecta.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 156,
  "institution": "DLP Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17734",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty for early withdrawal may apply.",
  "source_url": "https://www.dlp.bank/personal/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 156,
  "institution": "United Nations FCU",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5588",
  "remote_opening": "yes",
  "nonresident_eligible": "Members of the United Nations community can join from abroad.",
  "cu_membership_open_nationwide": "no (UN community)",
  "early_withdrawal_penalty": "Any additional early withdrawals will be subject to penalties .",
  "source_url": "https://www.unfcu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 158,
  "institution": "State Bank of Scotia",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.03",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14069",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "IRA 2.00% 2.02% $0.00 $0.01* Savings Savings 1.00% 1.00% $0.00 $0.01* SNA 3.00% 3.00% $0.00 $0.01* Checking NOW 0.250% 0.250% $1,000.00 $0.01* Effective Date: October 1, 2025 Certificates of Deposit: Penalty may be imposed for early withdra",
  "source_url": "https://statebankofscotia.bank/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 158,
  "institution": "Fidelity Bank of Texas",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.03",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "21455",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.fbot.bank/Personal/CDs-IRAs/Interest-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 160,
  "institution": "Abound Credit Union",
  "kind": "credit_union",
  "state": "KY",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "7000",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.aboundcu.com/community-support/get-in-touch/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 160,
  "institution": "Great Midwest Bank, S.S.B.",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29657",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may exist for early withdrawal on all Certificates of Deposit accounts and IRAs.",
  "source_url": "https://greatmidwestbank.com/bank-account/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 160,
  "institution": "United Republic Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58359",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$1,000 3.92% 4.00% 11-month Special $1,000 $1,000 3.78% 3.85% Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily ** A penalty may be assessed for early withdrawal.",
  "source_url": "https://www.unitedrepublic.bank/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 160,
  "institution": "Commercial State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "13819",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% 1.45%** $25,000 - $49,999.99 1.54% 1.55%** $50,000 - and up 1.69% 1.70%** IRA 3.21% 3.25%* Rates may change after a variable account has been opened Certificates of Deposit ($1,000 Minimum Deposit, Penalty for Early Withdrawal) Type of Ac",
  "source_url": "https://www.wausabank.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 12,
  "rank": 160,
  "institution": "Ivy Bank (Cambridge Savings Bank)",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17870",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalties for early withdrawal may be imposed.",
  "source_url": "https://www.ivybank.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 1,
  "institution": "Raymond James Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.65",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33893",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal.",
  "source_url": "https://www.raymondjamesbank.com/deposit-accounts",
  "read_note": "Rates effective September 18, 2026 per the bank's deposit page. Minimum $1,000, or $2,000 if bought through a Raymond James brokerage account. Rates by phone at 800.718.2265, option 4, or through an advisor.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 2,
  "institution": "Kinecta Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.50",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "4142",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal of certificate funds.",
  "source_url": "https://www.kinecta.org/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 3,
  "institution": "BTG Pactual Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.45",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35154",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted CD rate is for US citizens and resident aliens. Residents of Brazil and Chile who are BTG Pactual clients can open a US dollar account held at Regent Bank.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply (except No-Penalty CDs).",
  "source_url": "https://www.btgpactual.us/banking/certificates-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 4,
  "institution": "Bread Savings",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.40",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57570",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawals on CDs.",
  "source_url": "https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 18,
  "rank": 4,
  "institution": "Sallie Mae Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.40",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58177",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.salliemae.com/savings/rate-table/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 4,
  "institution": "MapleMark Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "3182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply, including up to six months of interest.",
  "source_url": "https://maplemarkbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 7,
  "institution": "Marcus by Goldman Sachs",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33124",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Choose the term that works for you Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty 6 months High-Yield CD 3.95% $500 Yes 9 months High-Yield CD 4.30% $500 Yes",
  "source_url": "https://www.marcus.com/us/en/savings/high-yield-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 7,
  "institution": "Bank of Utah",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17159",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Ability to Add Funds to Account After Initial Deposit: No Ability to Make Early Withdrawals from Account: Not without penalty How to Open an Account: 3-Month, 6-Month, 1-Year, 2-Year, and all terms 3 years and longer can be opened online ; ",
  "source_url": "https://www.bankofutah.com/personal/checking-savings/certificate-of-deposit-accounts",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 7,
  "institution": "EagleBank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34742",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may reduce earnings.",
  "source_url": "https://www.eaglebankcorp.com/personal-banking/cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 10,
  "institution": "Bank of Deerfield",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "2477",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ", IRAs, and HSA**\u2075 Term Minimum to Open Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield 25 Month $2,500 $2,500 4.34% 4.39% 36 Month $2,500 $2,500 4.40% 4.45% \u00b9 Substantial Penalty for Early Withdrawal \u00b2 Advertise",
  "source_url": "https://www.bankofdeerfield.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 10,
  "institution": "CFG Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34294",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A $500 minimum daily balance is required to obtain the Annual Percentage Yield (APY) * Early withdrawal penalties may apply.",
  "source_url": "https://www.cfg.bank/personal-banking/personal-deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 10,
  "institution": "First National Bank of America",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17438",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fnba.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 13,
  "institution": "Ally Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57803",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "High Yield CD AVAILABLE TERMS 2.8% correct as of 09/25/26 Choose from a variety of terms each offering a competitive, fixed rate Early withdrawal penalty will apply APY is fixed for the term of the CD but subject to change upon renewal No m",
  "source_url": "https://www.ally.com/bank/cd-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 13,
  "institution": "Synchrony Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27314",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% APY * High Yield Savings (HYS) No minimum balance Explore High Yield Savings % APY * Money Market Account (MMA) No minimum balance Explore Money Market Account FAQs View all FAQs Is there an early withdrawal penalty for CDs? Penalty Amoun",
  "source_url": "https://api.syf.com/v1/retailBank/products?serviceLevel=0000000",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 18,
  "rank": 13,
  "institution": "Prime Alliance Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57920",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties assessed for early withdrawal.",
  "source_url": "https://www.primealliance.bank/cds-2",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 13,
  "institution": "The Ohio Valley Bank Company",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "384",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.ovbc.com/cd-and-ira-specials",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 13,
  "institution": "VisionBank",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "nth a,c Create Account 4.18% 4.25% 30 Month a,c Create Account 4.18% 4.25% 36 Month a,c Create Account 4.18% 4.25% 48 Month a,c Create Account 4.18% 4.25% 60 Month a,c Create Account 4.18% 4.25% a) A penalty may be imposed for early withdra",
  "source_url": "https://bankwithvision.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 18,
  "institution": "Citizens Bank & Trust Company",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "4.21",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15675",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.cbtky.com/personal/certificate-of-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 19,
  "institution": "Tower Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.20",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "8333",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.",
  "source_url": "https://www.towerfcu.org/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 19,
  "institution": "Gala Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59358",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gala.bank/deposits/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 21,
  "institution": "Bank of the Flint Hills",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "4.18",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4791",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.bfh.bank/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 22,
  "institution": "CIBC Agility",
  "kind": "bank",
  "state": "IL",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33306",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Canadian residents can apply.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You'll have a 10-day grace period after the maturity date to withdraw your money without paying an early withdrawal fee.",
  "source_url": "https://us.cibc.com/en/agility/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 22,
  "institution": "Oak View National Bank",
  "kind": "bank",
  "state": "VA",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58827",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawals may incur a penalty.",
  "source_url": "https://www.oakviewbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 24,
  "institution": "USALLIANCE Financial",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.10",
  "min_deposit": "500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17587",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Dividend Savings Certificate Accounts Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).",
  "source_url": "https://www.usalliance.org/about-us/rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 24,
  "institution": "Home Savings Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.10",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26798",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply on Certificate of Deposit accounts.",
  "source_url": "https://www.hsbutah.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 24,
  "institution": "Navy Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "4.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5536",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (military and DoD)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawals from certificate accounts.",
  "source_url": "https://www.navyfederal.org/checking-savings/savings/certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 27,
  "institution": "Balboa Thrift and Loan Association",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.08",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26704",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty equal to three (3) months of interest may be imposed for early withdrawals.",
  "source_url": "https://www.balboathrift.com/deposits/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 28,
  "institution": "Community Commerce Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.07",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26363",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "4 Substantial penalty for early withdrawal.",
  "source_url": "https://ccombank.com/deposits/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 29,
  "institution": "Leighton State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "4.04",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10118",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "p 3.75% 3.80% Quarterly 4 Year Step 3.50% 3.55% Quarterly 5 Year 3.50% 3.53% Semi-Annually * Annual Percentage Yield (APY) Rates effective 8/24/2026 and subject to change $500 minimum balance for CDs Early withdrawal penalties may apply.",
  "source_url": "https://leightonbank.com/bank-with-us/personal/cds-iras-and-hsas/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "Credit Union of Southern California",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "25",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24983",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local or relative)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.cusocal.org/loans/personal/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "Bank5 Connect (BankFive)",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23286",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.bank5connect.com/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "Freedom Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "58712",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.fbnj.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "Mountain America Credit Union",
  "kind": "credit_union",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24692",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (listed states)",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.macu.com/rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "First Pryority Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4185",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties of 12 months apply.",
  "source_url": "https://pryority.bank/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "Bask Bank (Texas Capital Bank)",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34383",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal and may reduce earnings.",
  "source_url": "https://baskbank.com/sites/default/files/Documents/Disclosures/rates-and-fee-schedule.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "Commerce Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57429",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u00b2A penalty may be imposed for early withdrawal.",
  "source_url": "https://cbtfl.com/about-us/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "FinWise Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35323",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u2021 An early withdrawal penalty may apply for all Certificates of Deposit.",
  "source_url": "https://www.finwise.bank/wp-content/uploads/2026/04/Online-FW-Savings-Certificate-of-Deposit-Rates-04-10-2026.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 30,
  "institution": "Technology Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68383",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties will be imposed for early withdrawals.",
  "source_url": "https://www.techcu.com/Resources/Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 39,
  "institution": "Credit Human",
  "kind": "credit_union",
  "state": "TX",
  "apy_pct": "3.95",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24382",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "0 and up 3.89% 3.96% 36 - 59 months $500.00 and up 3.91% 3.98% 60 - 83 months $500.00 and up 3.93% 4.00% 84 - 119 months $500.00 and up 3.95% 4.02% 120 months $500.00 and up 3.98% 4.05% Disclosures A penalty will be imposed for early withdr",
  "source_url": "https://credithuman.com/personal/cds/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 18,
  "rank": 39,
  "institution": "Live Oak Bank",
  "kind": "bank",
  "state": "NC",
  "apy_pct": "3.95",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58665",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Account Fees: Online Banking Fee: No Charge Monthly Interest Disbursements Fee: No Charge Early Withdrawal Penalties: Early Principal Withdrawal of a CD with a term less than 24 months: 90 Days of Simple Interest Early Principal Withdrawal ",
  "source_url": "http://www.liveoakbank.com/personal-cd-accounts/?utm_source=vanity-url&utm_term=cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 39,
  "institution": "Quaint Oak Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.95",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35497",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit accounts carry a substantial penalty for early withdrawal.",
  "source_url": "https://www.quaintoak.com/personal-banking/deposit-products/cd-account/2-year-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 42,
  "institution": "Newtek Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18734",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply to early withdrawals.",
  "source_url": "https://www.newtekbank.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 43,
  "institution": "Directions Credit Union",
  "kind": "credit_union",
  "state": "OH",
  "apy_pct": "3.87",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "60978",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://directionscu.org/personal/save/savings-certificates/checking-savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 43,
  "institution": "Celtic Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.87",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal on all Certificates of Deposit, with few exceptions.",
  "source_url": "https://www.celticbank.com/saving-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 45,
  "institution": "Heritage Bank Minnesota",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.85",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8865",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CD & IRA Interest Rates Rates current as of December 18, 2025 TYPE OF PRODUCT MINIMUM DEPOSIT INTEREST RATE Annual Percentage Yield (APY)* EARLY WITHDRAWAL PENALTIES (Minimum $25) 3 Month Fixed CD $250 4.10% 4.16% 91 Days Interest 6 Month F",
  "source_url": "https://heritagebankmn.com/personal/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 45,
  "institution": "The Corner Stone Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.85",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9388",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "000 3.20% 3.25% Regular IRAs $100 $0 4.75% 4.75% Roth IRAs $100 $0 4.75% 4.75% Educational IRAs $100 $0 1.25% 1.25% 17 Month Special $1,000 $1,000 4.12% 4.20% *Fees could reduce earnings on accounts *Early withdrawal penalties will or may b",
  "source_url": "https://www.thecornerstonebank.net/deposits/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 45,
  "institution": "Chevron Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24326",
  "remote_opening": "yes",
  "nonresident_eligible": "Chevron employees working outside the US can join. Other applicants need a US Social Security number.",
  "cu_membership_open_nationwide": "possibly (association)",
  "early_withdrawal_penalty": "All certificates are subject to an early withdrawal penalty.",
  "source_url": "https://www.chevronfcu.org/rates/share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 45,
  "institution": "Phelps County Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18841",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ".70% 12 Month CD 3.75% 3.80% 15 Month CD 3.75% 3.80% 18 Month CD 3.80% 3.85% 24 Month CD 3.85% 3.91% 30 Month CD 3.85% 3.91% 36 Month CD 3.90% 3.96% 48 Month CD 3.90% 3.96% 60 Month CD 3.90% 3.96% *A penalty may be imposed for early withdra",
  "source_url": "https://www.mypcb.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 49,
  "institution": "Air Force Federal Credit Union (Vibrant)",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "out Certificates 6 $300 minimum opening deposit for all regular share and IRA accounts; $5 minimum deposit for youth club members under 18 years of age 7 Fees could reduce earnings on the account 8 A penalty will be imposed for early withdr",
  "source_url": "https://www.freedomfcu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 50,
  "institution": "State Bank of Bottineau",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.79",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9121",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3.79% a 60 MONTH CD $ 100.00 3.75% 3.79% a, b 21 MONTH RATE WATCH CD $ 2,500.00 3.60% 3.65% a, b 36 MONTH RATE WATCH CD $ 2,500.00 3.65% 3.70% a, b 57 MONTH RATE WATCH CD $ 2,500.00 3.70% 3.75% a) A penalty may be imposed for early withdraw",
  "source_url": "https://www.statebankofbottineau.com/assets/files/wbJLgSoZ",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 51,
  "institution": "Twin Cedars Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.75",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1556",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.twincedars.bank/bank-account-rate-sheet",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 51,
  "institution": "Beacon Community Bank",
  "kind": "bank",
  "state": "SC",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59106",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty of 5 months interest on the amount withdrawn will be imposed for early withdrawals on terms equal to 5 months.",
  "source_url": "https://www.beacon.bank/personal/banking/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 51,
  "institution": "First Jackson Bank, Inc.",
  "kind": "bank",
  "state": "AL",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23376",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "NOTICE: This account may require a minimum daily balance and/or impose a penalty for early withdrawal.",
  "source_url": "https://firstjacksonbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 54,
  "institution": "Rolette State Bank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.68",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9120",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Rates Certificates of Deposit (CDs) Effective January 8, 2026 Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.rolettestatebank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 55,
  "institution": "Signal Financial FCU",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.67",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5571",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (donation)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.signalfinancialfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 55,
  "institution": "Great North Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.67",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15146",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.greatnorthbank.com/wp-content/uploads/PDF/OAO-Rate.pdf",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 18,
  "rank": 57,
  "institution": "Lafayette Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.66",
  "min_deposit": "50",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "619",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (MD DC VA only for the ACC route)",
  "early_withdrawal_penalty": "to Earn APY 2 Dividend APY 2 1 Early withdrawal penalties may apply.",
  "source_url": "https://www.lfcu.org/personal/certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 57,
  "institution": "Stearns Bank National Association",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.66",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10988",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3 No penalty may be imposed for early withdrawal.",
  "source_url": "https://www.stearnsbank.com/personal/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 59,
  "institution": "Alliant Credit Union",
  "kind": "credit_union",
  "state": "IL",
  "apy_pct": "3.65",
  "min_deposit": "75000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67955",
  "remote_opening": "not stated",
  "nonresident_eligible": "People living outside the US can join if they have a US Social Security number or an ITIN.",
  "cu_membership_open_nationwide": "yes (foundation)",
  "early_withdrawal_penalty": "If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.",
  "source_url": "https://www.alliantcreditunion.org/bank/credit-union-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 59,
  "institution": "ESB Financial",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.65",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "16629",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Greater earnings than standard savings Receive higher rates by selecting a longer term Provides more guarantee than other risky investments A wide range of terms available (from 3 months to 5 years) Penalty for early withdrawal FDIC insured",
  "source_url": "https://www.esbfinancial.com/banking/personal-banking/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 59,
  "institution": "Seattle Bank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.65",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35139",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty assessed for early withdrawal.",
  "source_url": "https://www.seattlebank.com/personal/personal-banking/certificates-of-deposit-cd.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 62,
  "institution": "Homewood Federal Savings Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.60",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31267",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Member FDIC A penalty may be imposed for early withdrawal on certificates of deposit.",
  "source_url": "https://www.homewoodfsb.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 62,
  "institution": "Pathway Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1992",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial Penalty for Early Withdrawal.",
  "source_url": "https://www.pathwaybank.com/cds-iras-hsas",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 62,
  "institution": "Texas Heritage National Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "3161",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.thnb.bank/resources/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 62,
  "institution": "UniBank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58407",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal.",
  "source_url": "https://www.unibankusa.com/deposit/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 62,
  "institution": "Mercantile Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34598",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Subject to early withdrawal pen alty when principal is withdrawn prior to maturity.",
  "source_url": "https://mercbank.com/personal-banking/cds/merc",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 67,
  "institution": "Compass Savings Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.56",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Months Minimum Balance Rate APY* 6 $500 3.75% 3.82% 12 $500 3.85% 3.92% 18 $500 3.50% 3.56% 24 $500 3.50% 3.56% 36 $500 3.15% 3.20% 60 $500 3.15% 3.20% * Annual Percentage Yield Penalty may apply for early withdrawal and reduce earnings.",
  "source_url": "https://compassbank.us/savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 67,
  "institution": "GTE Financial",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "3.56",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "196",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "While there are no penalties for monthly dividend withdrawals a penalty may be imposed for early withdrawal which could reduce the earnings on the account and/or reduce the principal.",
  "source_url": "https://www.gtefinancial.org/products/share-certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 69,
  "institution": "First Community Credit Union",
  "kind": "credit_union",
  "state": "MO",
  "apy_pct": "3.55",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67619",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "not stated (employer or association groups)",
  "early_withdrawal_penalty": "Certificates have substantial penalties for early withdrawal.",
  "source_url": "https://www.firstcommunity.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 69,
  "institution": "Latino Community Credit Union",
  "kind": "credit_union",
  "state": "NC",
  "apy_pct": "3.55",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68430",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "% 3.50% 18 Months $500 3.55% 3.55% 24 Months $500 3.65% 3.65% 36 Months $500 3.70% 3.70% 48 Months $500 3.73% 3.73% 60 Months $500 3.75% 3.75% The Fine Print The important details Account Limitations/Early Withdrawal Penalties.",
  "source_url": "https://latinoccu.org/products-and-services/savings/certificates-of-deposit/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 71,
  "institution": "First Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.51",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.firstfedsavings.bank/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 72,
  "institution": "Abound Credit Union",
  "kind": "credit_union",
  "state": "KY",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "7000",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.aboundcu.com/community-support/get-in-touch/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 72,
  "institution": "Cross River Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58410",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs are subject to penalty for early withdrawal.",
  "source_url": "https://www.crossriver.com/personal-banking",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 72,
  "institution": "Visions Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17429",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.",
  "source_url": "https://www.visionsfcu.org/rates/ira-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 72,
  "institution": "Ponce Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "3.50",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31189",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity on CDs.",
  "source_url": "https://www.poncebank.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 72,
  "institution": "Hanscom Federal Credit Union",
  "kind": "credit_union",
  "state": "MA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "9095",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply to certificates.",
  "source_url": "https://www.hfcu.org/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 72,
  "institution": "Northpointe Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34953",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may be charged on certificates of deposit.",
  "source_url": "https://www.northpointe.com/banking/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 78,
  "institution": "Security Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.49",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4178",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal from a Certificate of Deposit.",
  "source_url": "https://www.sbtulsa.bank/Current-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 79,
  "institution": "Great Plains State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.45",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14058",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "2 Months $500 3.41% 3.45% 15 Months $500 3.84% 3.90% 18 Months $500 3.41% 3.45% 24 Months $500 3.21% 3.25% 36 Months $500 3.21% 3.25% 48 Months $500 3.26% 3.30% 60 Months $500 3.31% 3.35% Substantial penalty will be imposed for early withdr",
  "source_url": "https://gpsbanks.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 80,
  "institution": "Central State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.43",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10903",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months Savings and NOW Checking Accounts Savings accounts provide a straightforward way to earn interest while maintaining liquidity.",
  "source_url": "https://www.centralstatebankia.com/personal/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 81,
  "institution": "Justice Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.41",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "151",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Certificate is subject to penalty for early withdrawal.",
  "source_url": "https://www.jfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 82,
  "institution": "Freedom Bank of Southern Missouri",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.40",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35276",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Savings ++ $5 $0 0.40% 0.40% Business Savings ++ $100 $0 - - Tier 1 <$50,000.00 - $0 0.35% - Tier 2 $50,000.00 - $50,000 0.45% - Tier 3 $100,000.00 - $100,000 0.55% - APY = Annual Percentage Yield *A penalty may be imposed for early withdra",
  "source_url": "https://www.freedombk.com/deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 82,
  "institution": "EverBank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34775",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.everbank.com/product-selection?referid=31176",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 84,
  "institution": "First Internet Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.38",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34607",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Learn More Business CD Accounts & Rates Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties 3-month CD 3.10 % 3.14 % 90 days interest Open Account 6-month CD 3.70 % 3.76 % 180 days interest Open Account 12",
  "source_url": "https://www.firstib.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 85,
  "institution": "First Bank of the Lake",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26960",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fblake.bank/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 85,
  "institution": "Sidney Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6011",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "",
  "source_url": "https://sfcuonline.org/accounts/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 87,
  "institution": "Greater Nevada Credit Union",
  "kind": "credit_union",
  "state": "NV",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68228",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (Nevada)",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity.",
  "source_url": "https://www.gncu.org/banking/account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 88,
  "institution": "American Express National Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.25",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27471",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "rawn with no penalty  -  great for unexpected challenges Explore HYSA Certificate of Deposit Account Know exactly how much your investment will earn A fixed APY protects you from falling interest rates Early withdrawal fee helps reinforce a",
  "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/cd/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 18,
  "rank": 88,
  "institution": "First Bank of Central Ohio",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "3.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59249",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.* Indicates minimum average balance to keep in account to avoid incursion of fees.",
  "source_url": "https://www.fbcentralohio.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 88,
  "institution": "DCU (trade name of First Technology FCU in the NCUA file)",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (one-time donation)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.dcu.org/bank/certificates/regular-certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 91,
  "institution": "United Nations FCU",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5588",
  "remote_opening": "yes",
  "nonresident_eligible": "Members of the United Nations community can join from abroad.",
  "cu_membership_open_nationwide": "no (UN community)",
  "early_withdrawal_penalty": "Any additional early withdrawals will be subject to penalties .",
  "source_url": "https://www.unfcu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 92,
  "institution": "Academy Bank, National Association",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.10",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19600",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If not a CD, then should I try a Money Market All 3 * Annual Percentage Yield 1 A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.academybank.com/personal/save/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 93,
  "institution": "Longview Community Bank",
  "kind": "bank",
  "state": "IL",
  "apy_pct": "3.05",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "11319",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal on Certificates of Deposit and IRA\u2019s: Terms of one year and less: 30 days interest forfeiture Terms of 18, 24, 30 & 36 month: 90 days interest forfeiture Terms of 48 & 60 month: 180 days interest forfeiture Pr",
  "source_url": "https://longviewcb.com/deposit-services/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 93,
  "institution": "Rising Bank (Midwest BankCentre)",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.05",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1058",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may apply.",
  "source_url": "https://www.risingbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 93,
  "institution": "DLP Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17734",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty for early withdrawal may apply.",
  "source_url": "https://www.dlp.bank/personal/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 96,
  "institution": "Clinton Bank",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "3.03",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "304",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "IFICATE OF DEPOSIT $10,000.00 $ 10,000.00 3.10% 3.14% 18 MONTH INDIVIDUAL RETIREMENT ACCOUNT'' $ 500.00 $ 500.00 3.00% 3.03% 30 MONTH INDIVIDUAL RETIREMENT ACCOUNT' $ 500.00 $ 500.00 4.30% 4.37% a) A penalty may be imposed for early withdra",
  "source_url": "https://www.clintonbankky.com/home/fiFiles/static/documents/weeklydepositrates.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 96,
  "institution": "State Bank of Scotia",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.03",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14069",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "IRA 2.00% 2.02% $0.00 $0.01* Savings Savings 1.00% 1.00% $0.00 $0.01* SNA 3.00% 3.00% $0.00 $0.01* Checking NOW 0.250% 0.250% $1,000.00 $0.01* Effective Date: October 1, 2025 Certificates of Deposit: Penalty may be imposed for early withdra",
  "source_url": "https://statebankofscotia.bank/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 96,
  "institution": "The Bank of Old Monroe",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.03",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1655",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit may be subject to penalty for early withdrawal.",
  "source_url": "https://www.bankofoldmonroe.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 99,
  "institution": "Service Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://servicecu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 99,
  "institution": "Loyal Trust Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty may apply.",
  "source_url": "https://loyaltrustbank.com/wp-content/uploads/2026/08/Aug-3-Rate-Sheet-LTB.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 18,
  "rank": 99,
  "institution": "SECU Maryland",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "66330",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.secumd.org/more/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 1,
  "institution": "Tower Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.70",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "8333",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.",
  "source_url": "https://www.towerfcu.org/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 1,
  "institution": "Raymond James Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.70",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33893",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal.",
  "source_url": "https://www.raymondjamesbank.com/deposit-accounts",
  "read_note": "Rates effective September 18, 2026 per the bank's deposit page. Minimum $1,000, or $2,000 if bought through a Raymond James brokerage account. Rates by phone at 800.718.2265, option 4, or through an advisor.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 3,
  "institution": "BTG Pactual Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.47",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35154",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted CD rate is for US citizens and resident aliens. Residents of Brazil and Chile who are BTG Pactual clients can open a US dollar account held at Regent Bank.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply (except No-Penalty CDs).",
  "source_url": "https://www.btgpactual.us/banking/certificates-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 4,
  "institution": "HSBC Bank USA",
  "kind": "bank",
  "state": "VA",
  "apy_pct": "4.45",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57890",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Customers living in the countries it lists can apply.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.us.hsbc.com/savings-accounts/products/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 4,
  "institution": "Popular Direct",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.45",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34967",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.populardirect.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 6,
  "institution": "NASA Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.40",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6328",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Limitations: Early withdrawal penalties apply and may reduce earnings.",
  "source_url": "https://www.nasafcu.com/rates-and-fees/checking-savings/share-certificate-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 6,
  "institution": "Sallie Mae Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.40",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58177",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.salliemae.com/savings/rate-table/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 6,
  "institution": "MapleMark Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "3182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply, including up to six months of interest.",
  "source_url": "https://maplemarkbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 9,
  "institution": "Bank of Deerfield",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "4.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "2477",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ", IRAs, and HSA**\u2075 Term Minimum to Open Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield 25 Month $2,500 $2,500 4.34% 4.39% 36 Month $2,500 $2,500 4.40% 4.45% \u00b9 Substantial Penalty for Early Withdrawal \u00b2 Advertise",
  "source_url": "https://www.bankofdeerfield.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 9,
  "institution": "Marcus by Goldman Sachs",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33124",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Choose the term that works for you Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty 6 months High-Yield CD 3.95% $500 Yes 9 months High-Yield CD 4.30% $500 Yes",
  "source_url": "https://www.marcus.com/us/en/savings/high-yield-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 9,
  "institution": "Bread Savings",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.35",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57570",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawals on CDs.",
  "source_url": "https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 9,
  "institution": "EagleBank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34742",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may reduce earnings.",
  "source_url": "https://www.eaglebankcorp.com/personal-banking/cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 13,
  "institution": "Putnam County State Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.33",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22895",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.putnamcountystatebank.com/cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 14,
  "institution": "Prime Alliance Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57920",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties assessed for early withdrawal.",
  "source_url": "https://www.primealliance.bank/cds-2",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 14,
  "institution": "Bask Bank (Texas Capital Bank)",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34383",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal and may reduce earnings.",
  "source_url": "https://baskbank.com/sites/default/files/Documents/Disclosures/rates-and-fee-schedule.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 14,
  "institution": "First National Bank of America",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17438",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fnba.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 14,
  "institution": "Gala Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59358",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gala.bank/deposits/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 18,
  "institution": "Bank of the Flint Hills",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "4.27",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4791",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.bfh.bank/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 18,
  "institution": "Farmers and Merchants Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.27",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14275",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "ates of Deposit Learn More Month Rate APY 3 Month 4.00% 4.06% 6 Month 4.00% 4.06% 12 Month 4.10% 4.16% 24 Month 4.20% 4.27% 36 Month 4.30% 4.37% 48 Month 4.30% 4.37% 60 Month 4.30% 4.37% Penalty with early withdrawal Find Us Contact Us Find",
  "source_url": "https://www.fmbmilligan.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 20,
  "institution": "Synchrony Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27314",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% APY * High Yield Savings (HYS) No minimum balance Explore High Yield Savings % APY * Money Market Account (MMA) No minimum balance Explore Money Market Account FAQs View all FAQs Is there an early withdrawal penalty for CDs? Penalty Amoun",
  "source_url": "https://api.syf.com/v1/retailBank/products?serviceLevel=0000000",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 20,
  "institution": "Credit Union of Southern California",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.25",
  "min_deposit": "25",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24983",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local or relative)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.cusocal.org/loans/personal/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 20,
  "institution": "Citizens Bank & Trust Company",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "4.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15675",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.cbtky.com/personal/certificate-of-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 20,
  "institution": "Mountain America Credit Union",
  "kind": "credit_union",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24692",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (listed states)",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.macu.com/rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 20,
  "institution": "Home Savings Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26798",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply on Certificate of Deposit accounts.",
  "source_url": "https://www.hsbutah.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 20,
  "institution": "Enterprise Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33380",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.enterprise.bank/personal-banking/account-services/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 20,
  "institution": "VisionBank",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "nth a,c Create Account 4.18% 4.25% 30 Month a,c Create Account 4.18% 4.25% 36 Month a,c Create Account 4.18% 4.25% 48 Month a,c Create Account 4.18% 4.25% 60 Month a,c Create Account 4.18% 4.25% a) A penalty may be imposed for early withdra",
  "source_url": "https://bankwithvision.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 27,
  "institution": "USALLIANCE Financial",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.20",
  "min_deposit": "500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17587",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Dividend Savings Certificate Accounts Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).",
  "source_url": "https://www.usalliance.org/about-us/rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 28,
  "institution": "Freedom Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "4.15",
  "min_deposit": "500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "58712",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.fbnj.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 29,
  "institution": "Balboa Thrift and Loan Association",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.13",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26704",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty equal to three (3) months of interest may be imposed for early withdrawals.",
  "source_url": "https://www.balboathrift.com/deposits/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 30,
  "institution": "Leighton State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "4.09",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10118",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "p 3.75% 3.80% Quarterly 4 Year Step 3.50% 3.55% Quarterly 5 Year 3.50% 3.53% Semi-Annually * Annual Percentage Yield (APY) Rates effective 8/24/2026 and subject to change $500 minimum balance for CDs Early withdrawal penalties may apply.",
  "source_url": "https://leightonbank.com/bank-with-us/personal/cds-iras-and-hsas/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 31,
  "institution": "Gulf Coast Business Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.08",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59281",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.gcbbswfl.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 32,
  "institution": "State Savings Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "4.06",
  "min_deposit": "2000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "248",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.ssb.bank/personal/current-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 33,
  "institution": "First Pryority Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.05",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4185",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties of 12 months apply.",
  "source_url": "https://pryority.bank/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 33,
  "institution": "Bank of Utah",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17159",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Ability to Add Funds to Account After Initial Deposit: No Ability to Make Early Withdrawals from Account: Not without penalty How to Open an Account: 3-Month, 6-Month, 1-Year, 2-Year, and all terms 3 years and longer can be opened online ; ",
  "source_url": "https://www.bankofutah.com/personal/checking-savings/certificate-of-deposit-accounts",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 35,
  "institution": "American Pride Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "4.04",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58584",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.americanpride.bank/personal/open-now-cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 36,
  "institution": "Beach Cities Commercial Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "4.02",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59290",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty.",
  "source_url": "https://beachcitiescb.com/Rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 37,
  "institution": "CIBC Agility",
  "kind": "bank",
  "state": "IL",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33306",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Canadian residents can apply.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You'll have a 10-day grace period after the maturity date to withdraw your money without paying an early withdrawal fee.",
  "source_url": "https://us.cibc.com/en/agility/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 37,
  "institution": "Commerce Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57429",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u00b2A penalty may be imposed for early withdrawal.",
  "source_url": "https://cbtfl.com/about-us/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 37,
  "institution": "First Service Bank",
  "kind": "bank",
  "state": "AR",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18519",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal will result in a penalty.",
  "source_url": "https://firstservicebank.com/cd-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 37,
  "institution": "Loyal Trust Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty may apply.",
  "source_url": "https://loyaltrustbank.com/wp-content/uploads/2026/08/Aug-3-Rate-Sheet-LTB.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 37,
  "institution": "Quaint Oak Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35497",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit accounts carry a substantial penalty for early withdrawal.",
  "source_url": "https://www.quaintoak.com/personal-banking/deposit-products/cd-account/2-year-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 37,
  "institution": "Technology Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68383",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties will be imposed for early withdrawals.",
  "source_url": "https://www.techcu.com/Resources/Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 43,
  "institution": "Northrop Grumman FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.97",
  "min_deposit": "40000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24292",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (association)",
  "early_withdrawal_penalty": ",500 30 Month 3.65% 3.71% $2,500 36 Month 3.75% 3.81% $2,500 48 Month 3.75% 3.81% $2,500 60 Month 3.78% 3.84% $2,500 84 Month 3.30% 3.35% $2,500 Open an Account **A penalty will or may be imposed for early withdrawal *If minimum balance req",
  "source_url": "https://www.ngfcu.us/rates/savings-rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 43,
  "institution": "Community Commerce Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.97",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26363",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "4 Substantial penalty for early withdrawal.",
  "source_url": "https://ccombank.com/deposits/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 45,
  "institution": "Credit Human",
  "kind": "credit_union",
  "state": "TX",
  "apy_pct": "3.96",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24382",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "0 and up 3.89% 3.96% 36 - 59 months $500.00 and up 3.91% 3.98% 60 - 83 months $500.00 and up 3.93% 4.00% 84 - 119 months $500.00 and up 3.95% 4.02% 120 months $500.00 and up 3.98% 4.05% Disclosures A penalty will be imposed for early withdr",
  "source_url": "https://credithuman.com/personal/cds/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 46,
  "institution": "Phelps County Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.91",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18841",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ".70% 12 Month CD 3.75% 3.80% 15 Month CD 3.75% 3.80% 18 Month CD 3.80% 3.85% 24 Month CD 3.85% 3.91% 30 Month CD 3.85% 3.91% 36 Month CD 3.90% 3.96% 48 Month CD 3.90% 3.96% 60 Month CD 3.90% 3.96% *A penalty may be imposed for early withdra",
  "source_url": "https://www.mypcb.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 47,
  "institution": "Chevron Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24326",
  "remote_opening": "yes",
  "nonresident_eligible": "Chevron employees working outside the US can join. Other applicants need a US Social Security number.",
  "cu_membership_open_nationwide": "possibly (association)",
  "early_withdrawal_penalty": "All certificates are subject to an early withdrawal penalty.",
  "source_url": "https://www.chevronfcu.org/rates/share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 48,
  "institution": "Directions Credit Union",
  "kind": "credit_union",
  "state": "OH",
  "apy_pct": "3.87",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "60978",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://directionscu.org/personal/save/savings-certificates/checking-savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 49,
  "institution": "The Corner Stone Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.85",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9388",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "000 3.20% 3.25% Regular IRAs $100 $0 4.75% 4.75% Roth IRAs $100 $0 4.75% 4.75% Educational IRAs $100 $0 1.25% 1.25% 17 Month Special $1,000 $1,000 4.12% 4.20% *Fees could reduce earnings on accounts *Early withdrawal penalties will or may b",
  "source_url": "https://www.thecornerstonebank.net/deposits/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 50,
  "institution": "FinWise Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.84",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35323",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u2021 An early withdrawal penalty may apply for all Certificates of Deposit.",
  "source_url": "https://www.finwise.bank/wp-content/uploads/2026/04/Online-FW-Savings-Certificate-of-Deposit-Rates-04-10-2026.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 51,
  "institution": "Heritage Bank Minnesota",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.80",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8865",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CD & IRA Interest Rates Rates current as of December 18, 2025 TYPE OF PRODUCT MINIMUM DEPOSIT INTEREST RATE Annual Percentage Yield (APY)* EARLY WITHDRAWAL PENALTIES (Minimum $25) 3 Month Fixed CD $250 4.10% 4.16% 91 Days Interest 6 Month F",
  "source_url": "https://heritagebankmn.com/personal/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 51,
  "institution": "KS StateBank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.80",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19899",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You may be charged a substantial penalty for early withdrawals.",
  "source_url": "https://www.ksstate.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 51,
  "institution": "Andrews Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.80",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5754",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.andrewsfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 51,
  "institution": "Newtek Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18734",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply to early withdrawals.",
  "source_url": "https://www.newtekbank.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 55,
  "institution": "Visions Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.75",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17429",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.",
  "source_url": "https://www.visionsfcu.org/rates/ira-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 55,
  "institution": "Beacon Community Bank",
  "kind": "bank",
  "state": "SC",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59106",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty of 5 months interest on the amount withdrawn will be imposed for early withdrawals on terms equal to 5 months.",
  "source_url": "https://www.beacon.bank/personal/banking/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 55,
  "institution": "Community First National Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35585",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal on any CD.",
  "source_url": "https://www.cfnb.bank/document-center.cfm?fx=DEMKIE6MTPPJJWDD",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 55,
  "institution": "Spring Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58780",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal of principal could reduce earnings, whether earned or not.",
  "source_url": "https://www.springbankwi.bank/current-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 59,
  "institution": "Great North Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.71",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15146",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.greatnorthbank.com/wp-content/uploads/PDF/OAO-Rate.pdf",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 60,
  "institution": "Twin Cedars Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.70",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1556",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.twincedars.bank/bank-account-rate-sheet",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 60,
  "institution": "Alliant Credit Union",
  "kind": "credit_union",
  "state": "IL",
  "apy_pct": "3.70",
  "min_deposit": "75000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67955",
  "remote_opening": "not stated",
  "nonresident_eligible": "People living outside the US can join if they have a US Social Security number or an ITIN.",
  "cu_membership_open_nationwide": "yes (foundation)",
  "early_withdrawal_penalty": "If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.",
  "source_url": "https://www.alliantcreditunion.org/bank/credit-union-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 60,
  "institution": "Customers Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34444",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://www.customersbank.com/cds/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 60,
  "institution": "Lafayette Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "619",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (MD DC VA only for the ACC route)",
  "early_withdrawal_penalty": "to Earn APY 2 Dividend APY 2 1 Early withdrawal penalties may apply.",
  "source_url": "https://www.lfcu.org/personal/certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 64,
  "institution": "Signal Financial FCU",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.67",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5571",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (donation)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.signalfinancialfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 65,
  "institution": "Navy Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.66",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5536",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (military and DoD)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawals from certificate accounts.",
  "source_url": "https://www.navyfederal.org/checking-savings/savings/certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 66,
  "institution": "Georgia's Own Credit Union",
  "kind": "credit_union",
  "state": "GA",
  "apy_pct": "3.65",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67390",
  "remote_opening": "yes",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "no (counties or family)",
  "early_withdrawal_penalty": "Partial balance withdrawals are subject to an early withdrawal penalty.",
  "source_url": "https://www.georgiasown.org/rates/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 66,
  "institution": "Latino Community Credit Union",
  "kind": "credit_union",
  "state": "NC",
  "apy_pct": "3.65",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68430",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "% 3.50% 18 Months $500 3.55% 3.55% 24 Months $500 3.65% 3.65% 36 Months $500 3.70% 3.70% 48 Months $500 3.73% 3.73% 60 Months $500 3.75% 3.75% The Fine Print The important details Account Limitations/Early Withdrawal Penalties.",
  "source_url": "https://latinoccu.org/products-and-services/savings/certificates-of-deposit/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 68,
  "institution": "GTE Financial",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "3.61",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "196",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "While there are no penalties for monthly dividend withdrawals a penalty may be imposed for early withdrawal which could reduce the earnings on the account and/or reduce the principal.",
  "source_url": "https://www.gtefinancial.org/products/share-certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 69,
  "institution": "Ponce Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31189",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity on CDs.",
  "source_url": "https://www.poncebank.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 69,
  "institution": "UniBank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.60",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58407",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal.",
  "source_url": "https://www.unibankusa.com/deposit/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 69,
  "institution": "First State Bank of Bigfork",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.60",
  "min_deposit": "45000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10991",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty of 30 days interest is imposed on early withdrawal.",
  "source_url": "https://www.fsbbigfork.com/services-tools/helpful-tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 69,
  "institution": "Air Force Federal Credit Union (Vibrant)",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "out Certificates 6 $300 minimum opening deposit for all regular share and IRA accounts; $5 minimum deposit for youth club members under 18 years of age 7 Fees could reduce earnings on the account 8 A penalty will be imposed for early withdr",
  "source_url": "https://www.freedomfcu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 73,
  "institution": "Sidney Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.59",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6011",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "",
  "source_url": "https://sfcuonline.org/accounts/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 74,
  "institution": "Compass Savings Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.56",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Months Minimum Balance Rate APY* 6 $500 3.75% 3.82% 12 $500 3.85% 3.92% 18 $500 3.50% 3.56% 24 $500 3.50% 3.56% 36 $500 3.15% 3.20% 60 $500 3.15% 3.20% * Annual Percentage Yield Penalty may apply for early withdrawal and reduce earnings.",
  "source_url": "https://compassbank.us/savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 75,
  "institution": "Crews Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.55",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8021",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal from a Time Deposit.",
  "source_url": "https://www.crews.bank/hubfs/_CBT/PDFs/Deposits%20Rate%20Sheet.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 75,
  "institution": "Garden Plain State Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.55",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19687",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gpsbank.com/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 75,
  "institution": "Security Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4178",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal from a Certificate of Deposit.",
  "source_url": "https://www.sbtulsa.bank/Current-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Abound Credit Union",
  "kind": "credit_union",
  "state": "KY",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "7000",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.aboundcu.com/community-support/get-in-touch/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Cross River Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58410",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs are subject to penalty for early withdrawal.",
  "source_url": "https://www.crossriver.com/personal-banking",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "The First State Bank of Rosemount",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9769",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "36 Month Roth IRA $500 3.00% 3.00% Annual 5 Year Roth IRA $500 3.00% 3.00% Annual \u2020 Variable Rate (Rate may be subject to change) * Fees could reduce earnings ** Minimum to earn interest Substantial penalty for early withdrawal of certifica",
  "source_url": "https://www.fsbrosemount.com/financial-tools/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Forbright Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.50",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57614",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply to all Certificates of Deposit.",
  "source_url": "https://www.forbrightbank.com/personal-banking/growth-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Home Bank and Trust Company",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.50",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4664",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://homebank-trust.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Hanscom Federal Credit Union",
  "kind": "credit_union",
  "state": "MA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "9095",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply to certificates.",
  "source_url": "https://www.hfcu.org/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Mercantile Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34598",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Subject to early withdrawal pen alty when principal is withdrawn prior to maturity.",
  "source_url": "https://mercbank.com/personal-banking/cds/merc",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Northpointe Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34953",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may be charged on certificates of deposit.",
  "source_url": "https://www.northpointe.com/banking/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Presidential Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "32363",
  "ncua_charter": "",
  "remote_opening": "no",
  "nonresident_eligible": "Nonresident aliens may be able to open an account in person at a branch.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal.",
  "source_url": "https://www.presidential.com/personal/banking/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 78,
  "institution": "Seattle Bank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35139",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty assessed for early withdrawal.",
  "source_url": "https://www.seattlebank.com/personal/personal-banking/certificates-of-deposit-cd.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 88,
  "institution": "Justice Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.41",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "151",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Certificate is subject to penalty for early withdrawal.",
  "source_url": "https://www.jfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 89,
  "institution": "EverBank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34775",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.everbank.com/product-selection?referid=31176",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 89,
  "institution": "Happen Bank, National Association",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "32551",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Monthly withdrawals of earned interest are permitted, however any withdrawals of principal balances would only be allowed at the banks discretion and may incur early withdrawal fees.",
  "source_url": "https://www.happen.com/personal-banking/savings/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 89,
  "institution": "Northeast Bank",
  "kind": "bank",
  "state": "ME",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19690",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.northeastbank.com/personal-cds-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 92,
  "institution": "First Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.38",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.firstfedsavings.bank/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 93,
  "institution": "First Community Credit Union",
  "kind": "credit_union",
  "state": "MO",
  "apy_pct": "3.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67619",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "not stated (employer or association groups)",
  "early_withdrawal_penalty": "Certificates have substantial penalties for early withdrawal.",
  "source_url": "https://www.firstcommunity.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 93,
  "institution": "Texas Heritage National Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.35",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "3161",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.thnb.bank/resources/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 95,
  "institution": "Central State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.33",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10903",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months Savings and NOW Checking Accounts Savings accounts provide a straightforward way to earn interest while maintaining liquidity.",
  "source_url": "https://www.centralstatebankia.com/personal/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 96,
  "institution": "KodaBank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.30",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8386",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$25,000 - $99,999* $100,000+* 3.30% 3.40% 3.50% 3.30% 3.40% 3.50% 60 Month: $1,000 - $24,999* $25,000 - $99,999* $100,000+* 3.40% 3.50% 3.60% 3.40% 3.50% 3.60% Rates Effective September 1st, 2026 *A penalty may be imposed for early withdraw",
  "source_url": "https://www.kodabank.com/personal/save-and-spend/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 96,
  "institution": "Bradesco Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "21265",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If funds are withdrawn within six (6) days of the date of deposit, an early withdrawal penalty of seven (7) days\u2019 simple interest on the amount withdrawn will be charged.",
  "source_url": "https://bradescobank.com/es/certificate-of-deposit-bradesco/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 96,
  "institution": "First Internet Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34607",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Learn More Business CD Accounts & Rates Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties 3-month CD 3.10 % 3.14 % 90 days interest Open Account 6-month CD 3.70 % 3.76 % 180 days interest Open Account 12",
  "source_url": "https://www.firstib.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 96,
  "institution": "Greater Nevada Credit Union",
  "kind": "credit_union",
  "state": "NV",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68228",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (Nevada)",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity.",
  "source_url": "https://www.gncu.org/banking/account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 96,
  "institution": "Kinecta Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "4142",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal of certificate funds.",
  "source_url": "https://www.kinecta.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 96,
  "institution": "Liberty Federal Credit Union",
  "kind": "credit_union",
  "state": "IN",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "1682",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.libertyfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 96,
  "institution": "SECU Maryland",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "66330",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.secumd.org/personal/banking/savings/cds/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 103,
  "institution": "American Express National Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.25",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27471",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "rawn with no penalty  -  great for unexpected challenges Explore HYSA Certificate of Deposit Account Know exactly how much your investment will earn A fixed APY protects you from falling interest rates Early withdrawal fee helps reinforce a",
  "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/cd/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 103,
  "institution": "Freedom Bank of Southern Missouri",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.25",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35276",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Savings ++ $5 $0 0.40% 0.40% Business Savings ++ $100 $0 - - Tier 1 <$50,000.00 - $0 0.35% - Tier 2 $50,000.00 - $50,000 0.45% - Tier 3 $100,000.00 - $100,000 0.55% - APY = Annual Percentage Yield *A penalty may be imposed for early withdra",
  "source_url": "https://www.freedombk.com/deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 103,
  "institution": "Great Plains State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14058",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "2 Months $500 3.41% 3.45% 15 Months $500 3.84% 3.90% 18 Months $500 3.41% 3.45% 24 Months $500 3.21% 3.25% 36 Months $500 3.21% 3.25% 48 Months $500 3.26% 3.30% 60 Months $500 3.31% 3.35% Substantial penalty will be imposed for early withdr",
  "source_url": "https://gpsbanks.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 103,
  "institution": "Pathway Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1992",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial Penalty for Early Withdrawal.",
  "source_url": "https://www.pathwaybank.com/cds-iras-hsas",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 103,
  "institution": "Rising Bank (Midwest BankCentre)",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.25",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1058",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty for early withdrawal may apply.",
  "source_url": "https://www.risingbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 103,
  "institution": "T Bank, National Association",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57703",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs & IRAs are subject to a early withdrawal penalty.",
  "source_url": "https://t.bank/home/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 109,
  "institution": "PenFed Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "227",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.penfed.org/certificates/money-market",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 110,
  "institution": "First Bank of the Lake",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26960",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fblake.bank/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 111,
  "institution": "Clinton Bank",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "3.14",
  "min_deposit": "10000",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "304",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "IFICATE OF DEPOSIT $10,000.00 $ 10,000.00 3.10% 3.14% 18 MONTH INDIVIDUAL RETIREMENT ACCOUNT'' $ 500.00 $ 500.00 3.00% 3.03% 30 MONTH INDIVIDUAL RETIREMENT ACCOUNT' $ 500.00 $ 500.00 4.30% 4.37% a) A penalty may be imposed for early withdra",
  "source_url": "https://www.clintonbankky.com/home/fiFiles/static/documents/weeklydepositrates.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 112,
  "institution": "Academy Bank, National Association",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.10",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19600",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If not a CD, then should I try a Money Market All 3 * Annual Percentage Yield 1 A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.academybank.com/personal/save/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 112,
  "institution": "Quorum Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.10",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "22769",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "A penalty will be imposed if funds are withdrawn prior to maturity date.",
  "source_url": "https://www.quorumfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 114,
  "institution": "Boonville Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.09",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "30128",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDS Term Interest Rate* APY** Minimum Deposit Early Withdrawal Penalty 91 Days 0.05% 0.05% $1,000.00 91 Days 182 Days 0.20% 0.20% $1,000.00 91 Days 09 Months 0.05% 0.05% $1,000.00 91 Days 12 Months 0.95% 0.95% $500.00 180 Days 18 Months 0.3",
  "source_url": "https://boonville.bank/lending/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 115,
  "institution": "DLP Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17734",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty for early withdrawal may apply.",
  "source_url": "https://www.dlp.bank/personal/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 116,
  "institution": "The Bank of Old Monroe",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.03",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1655",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit may be subject to penalty for early withdrawal.",
  "source_url": "https://www.bankofoldmonroe.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "Ally Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.00",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57803",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "High Yield CD AVAILABLE TERMS 2.8% correct as of 09/25/26 Choose from a variety of terms each offering a competitive, fixed rate Early withdrawal penalty will apply APY is fixed for the term of the CD but subject to change upon renewal No m",
  "source_url": "https://www.ally.com/bank/cd-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "First Bank of Central Ohio",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59249",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.* Indicates minimum average balance to keep in account to avoid incursion of fees.",
  "source_url": "https://www.fbcentralohio.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "Homewood Federal Savings Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31267",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Member FDIC A penalty may be imposed for early withdrawal on certificates of deposit.",
  "source_url": "https://www.homewoodfsb.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "Service Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://servicecu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "United Republic Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58359",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$1,000 3.92% 4.00% 11-month Special $1,000 $1,000 3.78% 3.85% Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily ** A penalty may be assessed for early withdrawal.",
  "source_url": "https://www.unitedrepublic.bank/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "Citizens Access",
  "kind": "bank",
  "state": "RI",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57957",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.secure.citizensaccess.com/Citizens/customer-service/rate-sheet",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "Commercial State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "13819",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% 1.45%** $25,000 - $49,999.99 1.54% 1.55%** $50,000 - and up 1.69% 1.70%** IRA 3.21% 3.25%* Rates may change after a variable account has been opened Certificates of Deposit ($1,000 Minimum Deposit, Penalty for Early Withdrawal) Type of Ac",
  "source_url": "https://www.wausabank.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 24,
  "rank": 117,
  "institution": "DCU (trade name of First Technology FCU in the NCUA file)",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (one-time donation)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.dcu.org/bank/certificates/regular-certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 1,
  "institution": "Raymond James Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.85",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33893",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal.",
  "source_url": "https://www.raymondjamesbank.com/deposit-accounts",
  "read_note": "Rates effective September 18, 2026 per the bank's deposit page. Minimum $1,000, or $2,000 if bought through a Raymond James brokerage account. Rates by phone at 800.718.2265, option 4, or through an advisor.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 2,
  "institution": "Popular Direct",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34967",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.populardirect.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 3,
  "institution": "BTG Pactual Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.47",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35154",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted CD rate is for US citizens and resident aliens. Residents of Brazil and Chile who are BTG Pactual clients can open a US dollar account held at Regent Bank.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply (except No-Penalty CDs).",
  "source_url": "https://www.btgpactual.us/banking/certificates-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 4,
  "institution": "NASA Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.45",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6328",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Limitations: Early withdrawal penalties apply and may reduce earnings.",
  "source_url": "https://www.nasafcu.com/rates-and-fees/checking-savings/share-certificate-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 4,
  "institution": "Bank of Deerfield",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "4.45",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "2477",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ", IRAs, and HSA**\u2075 Term Minimum to Open Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield 25 Month $2,500 $2,500 4.34% 4.39% 36 Month $2,500 $2,500 4.40% 4.45% \u00b9 Substantial Penalty for Early Withdrawal \u00b2 Advertise",
  "source_url": "https://www.bankofdeerfield.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 4,
  "institution": "Sallie Mae Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.45",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58177",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.salliemae.com/savings/rate-table/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 7,
  "institution": "Prime Alliance Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.40",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57920",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties assessed for early withdrawal.",
  "source_url": "https://www.primealliance.bank/cds-2",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 7,
  "institution": "Bread Savings",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.40",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57570",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawals on CDs.",
  "source_url": "https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 36,
  "rank": 7,
  "institution": "MapleMark Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "3182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply, including up to six months of interest.",
  "source_url": "https://maplemarkbank.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 10,
  "institution": "Putnam County State Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "4.39",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22895",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.putnamcountystatebank.com/cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 11,
  "institution": "Farmers and Merchants Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.37",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14275",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "ates of Deposit Learn More Month Rate APY 3 Month 4.00% 4.06% 6 Month 4.00% 4.06% 12 Month 4.10% 4.16% 24 Month 4.20% 4.27% 36 Month 4.30% 4.37% 48 Month 4.30% 4.37% 60 Month 4.30% 4.37% Penalty with early withdrawal Find Us Contact Us Find",
  "source_url": "https://www.fmbmilligan.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 12,
  "institution": "Marcus by Goldman Sachs",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33124",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Choose the term that works for you Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty 6 months High-Yield CD 3.95% $500 Yes 9 months High-Yield CD 4.30% $500 Yes",
  "source_url": "https://www.marcus.com/us/en/savings/high-yield-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 12,
  "institution": "Tower Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "8333",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.",
  "source_url": "https://www.towerfcu.org/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 14,
  "institution": "Synchrony Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.30",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27314",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% APY * High Yield Savings (HYS) No minimum balance Explore High Yield Savings % APY * Money Market Account (MMA) No minimum balance Explore Money Market Account FAQs View all FAQs Is there an early withdrawal penalty for CDs? Penalty Amoun",
  "source_url": "https://api.syf.com/v1/retailBank/products?serviceLevel=0000000",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 36,
  "rank": 14,
  "institution": "CFG Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34294",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A $500 minimum daily balance is required to obtain the Annual Percentage Yield (APY) * Early withdrawal penalties may apply.",
  "source_url": "https://www.cfg.bank/personal-banking/personal-deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 14,
  "institution": "Citizens Bank & Trust Company",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15675",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.cbtky.com/personal/certificate-of-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 14,
  "institution": "First National Bank of America",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17438",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fnba.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 18,
  "institution": "Credit Union of Southern California",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.25",
  "min_deposit": "25",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24983",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local or relative)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.cusocal.org/loans/personal/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 18,
  "institution": "First Pryority Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "4.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4185",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties of 12 months apply.",
  "source_url": "https://pryority.bank/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 18,
  "institution": "VisionBank",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "nth a,c Create Account 4.18% 4.25% 30 Month a,c Create Account 4.18% 4.25% 36 Month a,c Create Account 4.18% 4.25% 48 Month a,c Create Account 4.18% 4.25% 60 Month a,c Create Account 4.18% 4.25% a) A penalty may be imposed for early withdra",
  "source_url": "https://bankwithvision.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 21,
  "institution": "Mountain America Credit Union",
  "kind": "credit_union",
  "state": "UT",
  "apy_pct": "4.15",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24692",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (listed states)",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.macu.com/rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 36,
  "rank": 22,
  "institution": "Gulf Coast Business Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.13",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59281",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.gcbbswfl.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 23,
  "institution": "Navy Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "4.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5536",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (military and DoD)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawals from certificate accounts.",
  "source_url": "https://www.navyfederal.org/checking-savings/savings/certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 24,
  "institution": "Bank of the Flint Hills",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "4.06",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4791",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.bfh.bank/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 25,
  "institution": "Ally Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.00",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57803",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "High Yield CD AVAILABLE TERMS 2.8% correct as of 09/25/26 Choose from a variety of terms each offering a competitive, fixed rate Early withdrawal penalty will apply APY is fixed for the term of the CD but subject to change upon renewal No m",
  "source_url": "https://www.ally.com/bank/cd-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 25,
  "institution": "Loyal Trust Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59182",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty may apply.",
  "source_url": "https://loyaltrustbank.com/wp-content/uploads/2026/08/Aug-3-Rate-Sheet-LTB.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 27,
  "institution": "Credit Human",
  "kind": "credit_union",
  "state": "TX",
  "apy_pct": "3.98",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24382",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "0 and up 3.89% 3.96% 36 - 59 months $500.00 and up 3.91% 3.98% 60 - 83 months $500.00 and up 3.93% 4.00% 84 - 119 months $500.00 and up 3.95% 4.02% 120 months $500.00 and up 3.98% 4.05% Disclosures A penalty will be imposed for early withdr",
  "source_url": "https://credithuman.com/personal/cds/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 36,
  "rank": 28,
  "institution": "Northrop Grumman FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.97",
  "min_deposit": "40000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24292",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (association)",
  "early_withdrawal_penalty": ",500 30 Month 3.65% 3.71% $2,500 36 Month 3.75% 3.81% $2,500 48 Month 3.75% 3.81% $2,500 60 Month 3.78% 3.84% $2,500 84 Month 3.30% 3.35% $2,500 Open an Account **A penalty will or may be imposed for early withdrawal *If minimum balance req",
  "source_url": "https://www.ngfcu.us/rates/savings-rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 29,
  "institution": "Phelps County Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.96",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18841",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ".70% 12 Month CD 3.75% 3.80% 15 Month CD 3.75% 3.80% 18 Month CD 3.80% 3.85% 24 Month CD 3.85% 3.91% 30 Month CD 3.85% 3.91% 36 Month CD 3.90% 3.96% 48 Month CD 3.90% 3.96% 60 Month CD 3.90% 3.96% *A penalty may be imposed for early withdra",
  "source_url": "https://www.mypcb.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 30,
  "institution": "USALLIANCE Financial",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.95",
  "min_deposit": "500",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17587",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Dividend Savings Certificate Accounts Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).",
  "source_url": "https://www.usalliance.org/about-us/rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 31,
  "institution": "Chevron Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24326",
  "remote_opening": "yes",
  "nonresident_eligible": "Chevron employees working outside the US can join. Other applicants need a US Social Security number.",
  "cu_membership_open_nationwide": "possibly (association)",
  "early_withdrawal_penalty": "All certificates are subject to an early withdrawal penalty.",
  "source_url": "https://www.chevronfcu.org/rates/share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 32,
  "institution": "Directions Credit Union",
  "kind": "credit_union",
  "state": "OH",
  "apy_pct": "3.87",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "60978",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://directionscu.org/personal/save/savings-certificates/checking-savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 32,
  "institution": "Community Commerce Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.87",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26363",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "4 Substantial penalty for early withdrawal.",
  "source_url": "https://ccombank.com/deposits/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 34,
  "institution": "FinWise Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.84",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35323",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u2021 An early withdrawal penalty may apply for all Certificates of Deposit.",
  "source_url": "https://www.finwise.bank/wp-content/uploads/2026/04/Online-FW-Savings-Certificate-of-Deposit-Rates-04-10-2026.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 35,
  "institution": "Signal Financial FCU",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.82",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5571",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (donation)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.signalfinancialfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 35,
  "institution": "First Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.82",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9620",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "the Team Details CDARS Rates Calculator Fixed rates, higher than standard savings Provides more guarantee than risky investments Set aside for future savings goals No setup or monthly service charges Early withdrawals subject to penalty $2,",
  "source_url": "https://www.first1bank.com/personal/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 35,
  "institution": "Balboa Thrift and Loan Association",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26704",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty equal to three (3) months of interest may be imposed for early withdrawals.",
  "source_url": "https://www.balboathrift.com/deposits/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 38,
  "institution": "KS StateBank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.80",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19899",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You may be charged a substantial penalty for early withdrawals.",
  "source_url": "https://www.ksstate.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 38,
  "institution": "Grant County State Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.80",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15687",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "mum Deposit Interest Rate Annual Percentage Yield NOW Checking Account* $1,500.00 0.25% 0.25% Health Savings Account* $1,000.00 minimum balance required to obtain APY $50.00 0.00% 0.00% A substantial penalty may be imposed for early withdra",
  "source_url": "https://www.grantcostatebank.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 38,
  "institution": "Andrews Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.80",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5754",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.andrewsfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 38,
  "institution": "Leighton State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10118",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "p 3.75% 3.80% Quarterly 4 Year Step 3.50% 3.55% Quarterly 5 Year 3.50% 3.53% Semi-Annually * Annual Percentage Yield (APY) Rates effective 8/24/2026 and subject to change $500 minimum balance for CDs Early withdrawal penalties may apply.",
  "source_url": "https://leightonbank.com/bank-with-us/personal/cds-iras-and-hsas/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 38,
  "institution": "Newtek Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18734",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties may apply to early withdrawals.",
  "source_url": "https://www.newtekbank.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 43,
  "institution": "Community First National Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35585",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal on any CD.",
  "source_url": "https://www.cfnb.bank/document-center.cfm?fx=DEMKIE6MTPPJJWDD",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 43,
  "institution": "Ent Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "flex",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Individual Retirement Account (IRA) Annual contribution limits apply and penalties may apply for early withdrawal.",
  "source_url": "https://www.ent.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 43,
  "institution": "Hanscom Federal Credit Union",
  "kind": "credit_union",
  "state": "MA",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "9095",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply to certificates.",
  "source_url": "https://www.hfcu.org/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 43,
  "institution": "Spring Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58780",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal of principal could reduce earnings, whether earned or not.",
  "source_url": "https://www.springbankwi.bank/current-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 43,
  "institution": "Technology Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68383",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties will be imposed for early withdrawals.",
  "source_url": "https://www.techcu.com/Resources/Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 48,
  "institution": "GTE Financial",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "3.71",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "196",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "While there are no penalties for monthly dividend withdrawals a penalty may be imposed for early withdrawal which could reduce the earnings on the account and/or reduce the principal.",
  "source_url": "https://www.gtefinancial.org/products/share-certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 49,
  "institution": "Latino Community Credit Union",
  "kind": "credit_union",
  "state": "NC",
  "apy_pct": "3.70",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68430",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "% 3.50% 18 Months $500 3.55% 3.55% 24 Months $500 3.65% 3.65% 36 Months $500 3.70% 3.70% 48 Months $500 3.73% 3.73% 60 Months $500 3.75% 3.75% The Fine Print The important details Account Limitations/Early Withdrawal Penalties.",
  "source_url": "https://latinoccu.org/products-and-services/savings/certificates-of-deposit/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 49,
  "institution": "State Bank of Bottineau",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.70",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9121",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3.79% a 60 MONTH CD $ 100.00 3.75% 3.79% a, b 21 MONTH RATE WATCH CD $ 2,500.00 3.60% 3.65% a, b 36 MONTH RATE WATCH CD $ 2,500.00 3.65% 3.70% a, b 57 MONTH RATE WATCH CD $ 2,500.00 3.70% 3.75% a) A penalty may be imposed for early withdraw",
  "source_url": "https://www.statebankofbottineau.com/assets/files/wbJLgSoZ",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 49,
  "institution": "Alliant Credit Union",
  "kind": "credit_union",
  "state": "IL",
  "apy_pct": "3.70",
  "min_deposit": "75000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67955",
  "remote_opening": "not stated",
  "nonresident_eligible": "People living outside the US can join if they have a US Social Security number or an ITIN.",
  "cu_membership_open_nationwide": "yes (foundation)",
  "early_withdrawal_penalty": "If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.",
  "source_url": "https://www.alliantcreditunion.org/bank/credit-union-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 49,
  "institution": "Air Force Federal Credit Union (Vibrant)",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "out Certificates 6 $300 minimum opening deposit for all regular share and IRA accounts; $5 minimum deposit for youth club members under 18 years of age 7 Fees could reduce earnings on the account 8 A penalty will be imposed for early withdr",
  "source_url": "https://www.freedomfcu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 49,
  "institution": "Beacon Community Bank",
  "kind": "bank",
  "state": "SC",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59106",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty of 5 months interest on the amount withdrawn will be imposed for early withdrawals on terms equal to 5 months.",
  "source_url": "https://www.beacon.bank/personal/banking/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 49,
  "institution": "Commerce Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57429",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u00b2A penalty may be imposed for early withdrawal.",
  "source_url": "https://cbtfl.com/about-us/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 49,
  "institution": "Second Federal Savings and Loan Association of Philadelphia",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29627",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of Deposit carry a penalty for early withdrawal.",
  "source_url": "https://secondfed.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 56,
  "institution": "ESB Financial",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.65",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "16629",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Greater earnings than standard savings Receive higher rates by selecting a longer term Provides more guarantee than other risky investments A wide range of terms available (from 3 months to 5 years) Penalty for early withdrawal FDIC insured",
  "source_url": "https://www.esbfinancial.com/banking/personal-banking/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 56,
  "institution": "Lafayette Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.65",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "619",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (MD DC VA only for the ACC route)",
  "early_withdrawal_penalty": "to Earn APY 2 Dividend APY 2 1 Early withdrawal penalties may apply.",
  "source_url": "https://www.lfcu.org/personal/certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 58,
  "institution": "Crews Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.60",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8021",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal from a Time Deposit.",
  "source_url": "https://www.crews.bank/hubfs/_CBT/PDFs/Deposits%20Rate%20Sheet.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 58,
  "institution": "State Savings Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.60",
  "min_deposit": "2000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "248",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.ssb.bank/personal/current-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 58,
  "institution": "First State Bank of Bigfork",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.60",
  "min_deposit": "45000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10991",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty of 30 days interest is imposed on early withdrawal.",
  "source_url": "https://www.fsbbigfork.com/services-tools/helpful-tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 58,
  "institution": "Northpointe Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34953",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may be charged on certificates of deposit.",
  "source_url": "https://www.northpointe.com/banking/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 62,
  "institution": "Garden Plain State Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.55",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19687",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gpsbank.com/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 62,
  "institution": "The Corner Stone Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.55",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9388",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "000 3.20% 3.25% Regular IRAs $100 $0 4.75% 4.75% Roth IRAs $100 $0 4.75% 4.75% Educational IRAs $100 $0 1.25% 1.25% 17 Month Special $1,000 $1,000 4.12% 4.20% *Fees could reduce earnings on accounts *Early withdrawal penalties will or may b",
  "source_url": "https://www.thecornerstonebank.net/deposits/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 62,
  "institution": "Security Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4178",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal from a Certificate of Deposit.",
  "source_url": "https://www.sbtulsa.bank/Current-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 65,
  "institution": "Beach Cities Commercial Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.54",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59290",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty.",
  "source_url": "https://beachcitiescb.com/Rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 66,
  "institution": "Great North Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.53",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15146",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.greatnorthbank.com/wp-content/uploads/PDF/OAO-Rate.pdf",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 36,
  "rank": 67,
  "institution": "Cross River Bank",
  "kind": "bank",
  "state": "NJ",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58410",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs are subject to penalty for early withdrawal.",
  "source_url": "https://www.crossriver.com/personal-banking",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 67,
  "institution": "Visions Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17429",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.",
  "source_url": "https://www.visionsfcu.org/rates/ira-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 67,
  "institution": "Home Bank and Trust Company",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.50",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4664",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://homebank-trust.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 67,
  "institution": "Seattle Bank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35139",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty assessed for early withdrawal.",
  "source_url": "https://www.seattlebank.com/personal/personal-banking/certificates-of-deposit-cd.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 71,
  "institution": "Quaint Oak Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.45",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35497",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit accounts carry a substantial penalty for early withdrawal.",
  "source_url": "https://www.quaintoak.com/personal-banking/deposit-products/cd-account/2-year-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 72,
  "institution": "UniBank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.40",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58407",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal.",
  "source_url": "https://www.unibankusa.com/deposit/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 72,
  "institution": "EverBank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34775",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.everbank.com/product-selection?referid=31176",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 74,
  "institution": "First Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.firstfedsavings.bank/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 74,
  "institution": "American Pride Bank",
  "kind": "bank",
  "state": "GA",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58584",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.americanpride.bank/personal/open-now-cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 76,
  "institution": "Greater Nevada Credit Union",
  "kind": "credit_union",
  "state": "NV",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68228",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (Nevada)",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity.",
  "source_url": "https://www.gncu.org/banking/account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 77,
  "institution": "Justice Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.31",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "151",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Certificate is subject to penalty for early withdrawal.",
  "source_url": "https://www.jfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 78,
  "institution": "Commonwealth Business Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.30",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57873",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "exible Terms The details Minimum Opening Balance: Equal to your monthly installment Earns Interest: Fixed interest rate Easy Deposit: Automatic transfer from a linked CBB Bank account Withdrawal Fee: Penalty for early withdrawals Compounded",
  "source_url": "https://www.cbb-bank.com/en/personal/banking/installmentsavingsaccount",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 78,
  "institution": "KodaBank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.30",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8386",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$25,000 - $99,999* $100,000+* 3.30% 3.40% 3.50% 3.30% 3.40% 3.50% 60 Month: $1,000 - $24,999* $25,000 - $99,999* $100,000+* 3.40% 3.50% 3.60% 3.40% 3.50% 3.60% Rates Effective September 1st, 2026 *A penalty may be imposed for early withdraw",
  "source_url": "https://www.kodabank.com/personal/save-and-spend/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 78,
  "institution": "First Internet Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34607",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Learn More Business CD Accounts & Rates Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties 3-month CD 3.10 % 3.14 % 90 days interest Open Account 6-month CD 3.70 % 3.76 % 180 days interest Open Account 12",
  "source_url": "https://www.firstib.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 78,
  "institution": "Kinecta Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "4142",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal of certificate funds.",
  "source_url": "https://www.kinecta.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 78,
  "institution": "Liberty Federal Credit Union",
  "kind": "credit_union",
  "state": "IN",
  "apy_pct": "3.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "1682",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.libertyfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 83,
  "institution": "Heritage Bank Minnesota",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.29",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8865",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CD & IRA Interest Rates Rates current as of December 18, 2025 TYPE OF PRODUCT MINIMUM DEPOSIT INTEREST RATE Annual Percentage Yield (APY)* EARLY WITHDRAWAL PENALTIES (Minimum $25) 3 Month Fixed CD $250 4.10% 4.16% 91 Days Interest 6 Month F",
  "source_url": "https://heritagebankmn.com/personal/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 84,
  "institution": "The Bank of Old Monroe",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.28",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1655",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit may be subject to penalty for early withdrawal.",
  "source_url": "https://www.bankofoldmonroe.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 85,
  "institution": "Boonville Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.26",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "30128",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDS Term Interest Rate* APY** Minimum Deposit Early Withdrawal Penalty 91 Days 0.05% 0.05% $1,000.00 91 Days 182 Days 0.20% 0.20% $1,000.00 91 Days 09 Months 0.05% 0.05% $1,000.00 91 Days 12 Months 0.95% 0.95% $500.00 180 Days 18 Months 0.3",
  "source_url": "https://boonville.bank/lending/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "Great Plains State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14058",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "2 Months $500 3.41% 3.45% 15 Months $500 3.84% 3.90% 18 Months $500 3.41% 3.45% 24 Months $500 3.21% 3.25% 36 Months $500 3.21% 3.25% 48 Months $500 3.26% 3.30% 60 Months $500 3.31% 3.35% Substantial penalty will be imposed for early withdr",
  "source_url": "https://gpsbanks.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "Forbright Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57614",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply to all Certificates of Deposit.",
  "source_url": "https://www.forbrightbank.com/personal-banking/growth-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "Pathway Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1992",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial Penalty for Early Withdrawal.",
  "source_url": "https://www.pathwaybank.com/cds-iras-hsas",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "Ponce Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "3.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "31189",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity on CDs.",
  "source_url": "https://www.poncebank.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "Commercial State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "13819",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% 1.45%** $25,000 - $49,999.99 1.54% 1.55%** $50,000 - and up 1.69% 1.70%** IRA 3.21% 3.25%* Rates may change after a variable account has been opened Certificates of Deposit ($1,000 Minimum Deposit, Penalty for Early Withdrawal) Type of Ac",
  "source_url": "https://www.wausabank.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "Farmers Insurance FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "1074",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal.",
  "source_url": "https://figfcu.org/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "Presidential Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "32363",
  "ncua_charter": "",
  "remote_opening": "no",
  "nonresident_eligible": "Nonresident aliens may be able to open an account in person at a branch.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal.",
  "source_url": "https://www.presidential.com/personal/banking/cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 86,
  "institution": "T Bank, National Association",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57703",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs & IRAs are subject to a early withdrawal penalty.",
  "source_url": "https://t.bank/home/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 94,
  "institution": "Central State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.23",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10903",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months Savings and NOW Checking Accounts Savings accounts provide a straightforward way to earn interest while maintaining liquidity.",
  "source_url": "https://www.centralstatebankia.com/personal/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 95,
  "institution": "Compass Savings Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.20",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Months Minimum Balance Rate APY* 6 $500 3.75% 3.82% 12 $500 3.85% 3.92% 18 $500 3.50% 3.56% 24 $500 3.50% 3.56% 36 $500 3.15% 3.20% 60 $500 3.15% 3.20% * Annual Percentage Yield Penalty may apply for early withdrawal and reduce earnings.",
  "source_url": "https://compassbank.us/savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 95,
  "institution": "PenFed Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "227",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.penfed.org/certificates/money-market",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 36,
  "rank": 97,
  "institution": "Columbus Bank and Trust Company",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.16",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15010",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% 3.45% $50,000 + 3.45% 3.45% *Interest rates may change after the account is opened and fees could reduce the earnings on the account **APY (Annual Percentage Yield) is paid on the daily balance *** Penalty may be imposed for early withdra",
  "source_url": "https://colbank.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 98,
  "institution": "First Community Credit Union",
  "kind": "credit_union",
  "state": "MO",
  "apy_pct": "3.15",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67619",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "not stated (employer or association groups)",
  "early_withdrawal_penalty": "Certificates have substantial penalties for early withdrawal.",
  "source_url": "https://www.firstcommunity.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 98,
  "institution": "First Bank of the Lake",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26960",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fblake.bank/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 100,
  "institution": "Quorum Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.10",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "22769",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "A penalty will be imposed if funds are withdrawn prior to maturity date.",
  "source_url": "https://www.quorumfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 100,
  "institution": "First Jackson Bank, Inc.",
  "kind": "bank",
  "state": "AL",
  "apy_pct": "3.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23376",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "NOTICE: This account may require a minimum daily balance and/or impose a penalty for early withdrawal.",
  "source_url": "https://firstjacksonbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 102,
  "institution": "Freedom Bank of Southern Missouri",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.09",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35276",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Savings ++ $5 $0 0.40% 0.40% Business Savings ++ $100 $0 - - Tier 1 <$50,000.00 - $0 0.35% - Tier 2 $50,000.00 - $50,000 0.45% - Tier 3 $100,000.00 - $100,000 0.55% - APY = Annual Percentage Yield *A penalty may be imposed for early withdra",
  "source_url": "https://www.freedombk.com/deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 103,
  "institution": "DLP Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17734",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty for early withdrawal may apply.",
  "source_url": "https://www.dlp.bank/personal/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 103,
  "institution": "Marine Bank & Trust Company",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.05",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34233",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.elgacu.com/plan/certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 36,
  "rank": 105,
  "institution": "Academy Bank, National Association",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.03",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19600",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If not a CD, then should I try a Money Market All 3 * Annual Percentage Yield 1 A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.academybank.com/personal/save/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 105,
  "institution": "Mercantile Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.03",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34598",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Subject to early withdrawal pen alty when principal is withdrawn prior to maturity.",
  "source_url": "https://mercbank.com/personal-banking/cds/merc",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "Abound Credit Union",
  "kind": "credit_union",
  "state": "KY",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "7000",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.aboundcu.com/community-support/get-in-touch/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "The First State Bank of Rosemount",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9769",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "36 Month Roth IRA $500 3.00% 3.00% Annual 5 Year Roth IRA $500 3.00% 3.00% Annual \u2020 Variable Rate (Rate may be subject to change) * Fees could reduce earnings ** Minimum to earn interest Substantial penalty for early withdrawal of certifica",
  "source_url": "https://www.fsbrosemount.com/financial-tools/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "Texas Heritage National Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "3161",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.thnb.bank/resources/interest-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "United Republic Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58359",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$1,000 3.92% 4.00% 11-month Special $1,000 $1,000 3.78% 3.85% Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily ** A penalty may be assessed for early withdrawal.",
  "source_url": "https://www.unitedrepublic.bank/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "Home Savings Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.00",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26798",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply on Certificate of Deposit accounts.",
  "source_url": "https://www.hsbutah.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "DCU (trade name of First Technology FCU in the NCUA file)",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (one-time donation)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.dcu.org/bank/certificates/regular-certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "One World Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57901",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.oneworldbank.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 36,
  "rank": 107,
  "institution": "SECU Maryland",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "66330",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.secumd.org/more/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 1,
  "institution": "Raymond James Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "5.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33893",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal.",
  "source_url": "https://www.raymondjamesbank.com/deposit-accounts",
  "read_note": "Rates effective September 18, 2026 per the bank's deposit page. Minimum $1,000, or $2,000 if bought through a Raymond James brokerage account. Rates by phone at 800.718.2265, option 4, or through an advisor.",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 2,
  "institution": "Tower Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.60",
  "min_deposit": "20000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "8333",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.",
  "source_url": "https://www.towerfcu.org/rates/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 3,
  "institution": "Grant County State Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "4.58",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15687",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "mum Deposit Interest Rate Annual Percentage Yield NOW Checking Account* $1,500.00 0.25% 0.25% Health Savings Account* $1,000.00 minimum balance required to obtain APY $50.00 0.00% 0.00% A substantial penalty may be imposed for early withdra",
  "source_url": "https://www.grantcostatebank.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 4,
  "institution": "NASA Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "4.55",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6328",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Limitations: Early withdrawal penalties apply and may reduce earnings.",
  "source_url": "https://www.nasafcu.com/rates-and-fees/checking-savings/share-certificate-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 5,
  "institution": "BTG Pactual Bank",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35154",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "The posted CD rate is for US citizens and resident aliens. Residents of Brazil and Chile who are BTG Pactual clients can open a US dollar account held at Regent Bank.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply (except No-Penalty CDs).",
  "source_url": "https://www.btgpactual.us/banking/certificates-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 5,
  "institution": "Bread Savings",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.50",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57570",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawals on CDs.",
  "source_url": "https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 5,
  "institution": "Sallie Mae Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.50",
  "min_deposit": "2500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58177",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.salliemae.com/savings/rate-table/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 5,
  "institution": "Popular Direct",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34967",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.populardirect.com/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 9,
  "institution": "Climate First Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.39",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59257",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Personal CDs Business CDs Special Promotions 6-Month Penalty-Free CD 4.33% APY 1 Short-term growth with a strong return $500 minimum deposit No penalty for early withdrawals Read More 12-Month Penalty-Free CD 4.15% APY 2 Lock in a great rat",
  "source_url": "https://www.climatefirstbank.com/cd",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 10,
  "institution": "Farmers and Merchants Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "4.37",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14275",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "ates of Deposit Learn More Month Rate APY 3 Month 4.00% 4.06% 6 Month 4.00% 4.06% 12 Month 4.10% 4.16% 24 Month 4.20% 4.27% 36 Month 4.30% 4.37% 48 Month 4.30% 4.37% 60 Month 4.30% 4.37% Penalty with early withdrawal Find Us Contact Us Find",
  "source_url": "https://www.fmbmilligan.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 11,
  "institution": "Synchrony Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.35",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27314",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% APY * High Yield Savings (HYS) No minimum balance Explore High Yield Savings % APY * Money Market Account (MMA) No minimum balance Explore Money Market Account FAQs View all FAQs Is there an early withdrawal penalty for CDs? Penalty Amoun",
  "source_url": "https://api.syf.com/v1/retailBank/products?serviceLevel=0000000",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 11,
  "institution": "Marcus by Goldman Sachs",
  "kind": "bank",
  "state": "NY",
  "apy_pct": "4.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "33124",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Choose the term that works for you Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty Annual Percentage Yield Minimum Deposit Early Withdrawal Penalty 6 months High-Yield CD 3.95% $500 Yes 9 months High-Yield CD 4.30% $500 Yes",
  "source_url": "https://www.marcus.com/us/en/savings/high-yield-cds",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 13,
  "institution": "America First Credit Union",
  "kind": "credit_union",
  "state": "UT",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24694",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early Withdrawal Penalty.",
  "source_url": "https://www.americafirst.com/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 13,
  "institution": "CFG Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34294",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A $500 minimum daily balance is required to obtain the Annual Percentage Yield (APY) * Early withdrawal penalties may apply.",
  "source_url": "https://www.cfg.bank/personal-banking/personal-deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 13,
  "institution": "Citizens Bank & Trust Company",
  "kind": "bank",
  "state": "KY",
  "apy_pct": "4.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15675",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.cbtky.com/personal/certificate-of-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 13,
  "institution": "First National Bank of America",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "4.30",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "17438",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fnba.com/deposit-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 17,
  "institution": "Credit Union of Southern California",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.25",
  "min_deposit": "25",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24983",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (local or relative)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawals.",
  "source_url": "https://www.cusocal.org/loans/personal/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 17,
  "institution": "Mountain America Credit Union",
  "kind": "credit_union",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24692",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (listed states)",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.macu.com/rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 17,
  "institution": "Prime Alliance Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.25",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57920",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties assessed for early withdrawal.",
  "source_url": "https://www.primealliance.bank/cds-2",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 17,
  "institution": "VisionBank",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "4.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58063",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "nth a,c Create Account 4.18% 4.25% 30 Month a,c Create Account 4.18% 4.25% 36 Month a,c Create Account 4.18% 4.25% 48 Month a,c Create Account 4.18% 4.25% 60 Month a,c Create Account 4.18% 4.25% a) A penalty may be imposed for early withdra",
  "source_url": "https://bankwithvision.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 21,
  "institution": "The Croghan Colonial Bank",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "4.18",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "13341",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply.",
  "source_url": "https://croghan.bank/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 22,
  "institution": "Quorum Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.15",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "22769",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "A penalty will be imposed if funds are withdrawn prior to maturity date.",
  "source_url": "https://www.quorumfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 22,
  "institution": "Gulf Coast Business Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "4.15",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59281",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.gcbbswfl.com/resources/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 22,
  "institution": "Ent Credit Union",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Individual Retirement Account (IRA) Annual contribution limits apply and penalties may apply for early withdrawal.",
  "source_url": "https://www.ent.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 22,
  "institution": "FourLeaf Federal Credit Union (formerly Bethpage FCU)",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "4.15",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "4735",
  "remote_opening": "yes",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties may be imposed for early withdrawal.",
  "source_url": "https://www.fourleaffcu.com/rates-calculators/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 26,
  "institution": "Ally Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.10",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57803",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "High Yield CD AVAILABLE TERMS 2.8% correct as of 09/25/26 Choose from a variety of terms each offering a competitive, fixed rate Early withdrawal penalty will apply APY is fixed for the term of the CD but subject to change upon renewal No m",
  "source_url": "https://www.ally.com/bank/cd-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 27,
  "institution": "Central Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.06",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9204",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "gs/$10+ 0.15% 0.15% YOUth Smart Savings Account (Ages 0-18) Account/Amount Interest Rate APY* Savings up to $10,000 2.50% 2.52% Savings / $10,000.01 + 0.35% 0.35% Personal Certificates of Deposit ( a penalty may be imposed for early withdra",
  "source_url": "https://cbutah.com/resources/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 27,
  "institution": "Bank of the Flint Hills",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "4.06",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4791",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.bfh.bank/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 29,
  "institution": "Transportation Alliance Bank, Inc. d/b/a TAB Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "4.05",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34781",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.tabbank.com/ira-cd-accounts/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 30,
  "institution": "Credit Human",
  "kind": "credit_union",
  "state": "TX",
  "apy_pct": "4.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24382",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "0 and up 3.89% 3.96% 36 - 59 months $500.00 and up 3.91% 3.98% 60 - 83 months $500.00 and up 3.93% 4.00% 84 - 119 months $500.00 and up 3.95% 4.02% 120 months $500.00 and up 3.98% 4.05% Disclosures A penalty will be imposed for early withdr",
  "source_url": "https://credithuman.com/personal/cds/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 30,
  "institution": "Northrop Grumman FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "40000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24292",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (association)",
  "early_withdrawal_penalty": ",500 30 Month 3.65% 3.71% $2,500 36 Month 3.75% 3.81% $2,500 48 Month 3.75% 3.81% $2,500 60 Month 3.78% 3.84% $2,500 84 Month 3.30% 3.35% $2,500 Open an Account **A penalty will or may be imposed for early withdrawal *If minimum balance req",
  "source_url": "https://www.ngfcu.us/rates/savings-rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 30,
  "institution": "CFBank, National Association",
  "kind": "bank",
  "state": "OH",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "28263",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal and any fees may reduce earnings.",
  "source_url": "https://www.cf.bank/Personal/Personal-Banking/Savings",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 30,
  "institution": "Farmers Insurance FCU",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "flex",
  "fdic_cert": "",
  "ncua_charter": "1074",
  "remote_opening": "not stated",
  "nonresident_eligible": "Opening an account requires a US Social Security number, according to the institution's own pages.",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal.",
  "source_url": "https://figfcu.org/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 30,
  "institution": "Hanscom Federal Credit Union",
  "kind": "credit_union",
  "state": "MA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "9095",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply to certificates.",
  "source_url": "https://www.hfcu.org/rates/account-rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 30,
  "institution": "Salem Five Direct",
  "kind": "bank",
  "state": "MA",
  "apy_pct": "4.00",
  "min_deposit": "",
  "promotion": "yes",
  "product_note": "",
  "fdic_cert": "23296",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "onth CD Open the 7-month CD CD Special 4.00% APY 1 12-month CD Open the 12-month CD CD Special 4.25% APY 1 15-month CD Open the 15-month CD CD Special 4.30% APY 1 18-Month CD Open the 18-month CD 1 A penalty will be imposed for premature wi",
  "source_url": "https://www.salemfivedirect.com/current-offered-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 36,
  "institution": "Directions Credit Union",
  "kind": "credit_union",
  "state": "OH",
  "apy_pct": "3.97",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "60978",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "Penalty for early withdrawal.",
  "source_url": "https://directionscu.org/personal/save/savings-certificates/checking-savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 37,
  "institution": "Phelps County Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.96",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "18841",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ".70% 12 Month CD 3.75% 3.80% 15 Month CD 3.75% 3.80% 18 Month CD 3.80% 3.85% 24 Month CD 3.85% 3.91% 30 Month CD 3.85% 3.91% 36 Month CD 3.90% 3.96% 48 Month CD 3.90% 3.96% 60 Month CD 3.90% 3.96% *A penalty may be imposed for early withdra",
  "source_url": "https://www.mypcb.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 38,
  "institution": "USALLIANCE Financial",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.95",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17587",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Dividend Savings Certificate Accounts Certificate Account products (similar to CDs) are available for Individual Retirement Accounts (IRAs), with the exception of the 11 Month Special Certificate (No Early Withdrawal Penalty).",
  "source_url": "https://www.usalliance.org/about-us/rates/savings-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 39,
  "institution": "KS StateBank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.90",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19899",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "You may be charged a substantial penalty for early withdrawals.",
  "source_url": "https://www.ksstate.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 39,
  "institution": "Chevron Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.90",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "24326",
  "remote_opening": "yes",
  "nonresident_eligible": "Chevron employees working outside the US can join. Other applicants need a US Social Security number.",
  "cu_membership_open_nationwide": "possibly (association)",
  "early_withdrawal_penalty": "All certificates are subject to an early withdrawal penalty.",
  "source_url": "https://www.chevronfcu.org/rates/share-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 41,
  "institution": "Spring Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.89",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58780",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalties for early withdrawal of principal could reduce earnings, whether earned or not.",
  "source_url": "https://www.springbankwi.bank/current-deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 42,
  "institution": "Community Commerce Bank",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.87",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26363",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "4 Substantial penalty for early withdrawal.",
  "source_url": "https://ccombank.com/deposits/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 43,
  "institution": "Navy Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5536",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (military and DoD)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawals from certificate accounts.",
  "source_url": "https://www.navyfederal.org/checking-savings/savings/certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 43,
  "institution": "Second Federal Savings and Loan Association of Philadelphia",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.85",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29627",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of Deposit carry a penalty for early withdrawal.",
  "source_url": "https://secondfed.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 45,
  "institution": "FinWise Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.84",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35323",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u2021 An early withdrawal penalty may apply for all Certificates of Deposit.",
  "source_url": "https://www.finwise.bank/wp-content/uploads/2026/04/Online-FW-Savings-Certificate-of-Deposit-Rates-04-10-2026.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 46,
  "institution": "Signal Financial FCU",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.82",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5571",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (donation)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.signalfinancialfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 46,
  "institution": "Balboa Thrift and Loan Association",
  "kind": "bank",
  "state": "CA",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26704",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "An early withdrawal penalty equal to three (3) months of interest may be imposed for early withdrawals.",
  "source_url": "https://www.balboathrift.com/deposits/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 46,
  "institution": "GTE Financial",
  "kind": "credit_union",
  "state": "FL",
  "apy_pct": "3.82",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "196",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "While there are no penalties for monthly dividend withdrawals a penalty may be imposed for early withdrawal which could reduce the earnings on the account and/or reduce the principal.",
  "source_url": "https://www.gtefinancial.org/products/share-certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 49,
  "institution": "Andrews Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.80",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "5754",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (free American Consumer Council membership)",
  "early_withdrawal_penalty": "Penalties apply for early withdrawal.",
  "source_url": "https://www.andrewsfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 49,
  "institution": "Air Force Federal Credit Union (Vibrant)",
  "kind": "credit_union",
  "state": "",
  "apy_pct": "3.80",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "out Certificates 6 $300 minimum opening deposit for all regular share and IRA accounts; $5 minimum deposit for youth club members under 18 years of age 7 Fees could reduce earnings on the account 8 A penalty will be imposed for early withdr",
  "source_url": "https://www.freedomfcu.org/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 51,
  "institution": "State Bank of Bottineau",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.79",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9121",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "3.79% a 60 MONTH CD $ 100.00 3.75% 3.79% a, b 21 MONTH RATE WATCH CD $ 2,500.00 3.60% 3.65% a, b 36 MONTH RATE WATCH CD $ 2,500.00 3.65% 3.70% a, b 57 MONTH RATE WATCH CD $ 2,500.00 3.70% 3.75% a) A penalty may be imposed for early withdraw",
  "source_url": "https://www.statebankofbottineau.com/assets/files/wbJLgSoZ",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 51,
  "institution": "Rolette State Bank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.79",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9120",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Rates Certificates of Deposit (CDs) Effective January 8, 2026 Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.rolettestatebank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 53,
  "institution": "Latino Community Credit Union",
  "kind": "credit_union",
  "state": "NC",
  "apy_pct": "3.75",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68430",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "% 3.50% 18 Months $500 3.55% 3.55% 24 Months $500 3.65% 3.65% 36 Months $500 3.70% 3.70% 48 Months $500 3.73% 3.73% 60 Months $500 3.75% 3.75% The Fine Print The important details Account Limitations/Early Withdrawal Penalties.",
  "source_url": "https://latinoccu.org/products-and-services/savings/certificates-of-deposit/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 53,
  "institution": "Community First National Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35585",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal on any CD.",
  "source_url": "https://www.cfnb.bank/document-center.cfm?fx=DEMKIE6MTPPJJWDD",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 53,
  "institution": "ESB Financial",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "16629",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Greater earnings than standard savings Receive higher rates by selecting a longer term Provides more guarantee than other risky investments A wide range of terms available (from 3 months to 5 years) Penalty for early withdrawal FDIC insured",
  "source_url": "https://www.esbfinancial.com/banking/personal-banking/personal-savings/certificates-of-deposit-cds.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 53,
  "institution": "Technology Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.75",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68383",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Penalties will be imposed for early withdrawals.",
  "source_url": "https://www.techcu.com/Resources/Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 57,
  "institution": "Crews Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.70",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8021",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty is imposed for early withdrawal from a Time Deposit.",
  "source_url": "https://www.crews.bank/hubfs/_CBT/PDFs/Deposits%20Rate%20Sheet.pdf",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 57,
  "institution": "State Savings Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.70",
  "min_deposit": "2000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "248",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial penalty for early withdrawal.",
  "source_url": "https://www.ssb.bank/personal/current-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 57,
  "institution": "Alliant Credit Union",
  "kind": "credit_union",
  "state": "IL",
  "apy_pct": "3.70",
  "min_deposit": "75000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67955",
  "remote_opening": "not stated",
  "nonresident_eligible": "People living outside the US can join if they have a US Social Security number or an ITIN.",
  "cu_membership_open_nationwide": "yes (foundation)",
  "early_withdrawal_penalty": "If you withdraw funds from an Alliant certificate before the maturity date, you may incur an early withdrawal penalty, per the table below.",
  "source_url": "https://www.alliantcreditunion.org/bank/credit-union-certificate",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 57,
  "institution": "Beacon Community Bank",
  "kind": "bank",
  "state": "SC",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "59106",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty of 5 months interest on the amount withdrawn will be imposed for early withdrawals on terms equal to 5 months.",
  "source_url": "https://www.beacon.bank/personal/banking/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 57,
  "institution": "Commerce Bank & Trust",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57429",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "\u00b2A penalty may be imposed for early withdrawal.",
  "source_url": "https://cbtfl.com/about-us/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 57,
  "institution": "Northpointe Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.70",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34953",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may be charged on certificates of deposit.",
  "source_url": "https://www.northpointe.com/banking/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 63,
  "institution": "Great North Bank",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.66",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15146",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply.",
  "source_url": "https://www.greatnorthbank.com/wp-content/uploads/PDF/OAO-Rate.pdf",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 63,
  "institution": "Putnam County State Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.66",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22895",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.putnamcountystatebank.com/cd-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 65,
  "institution": "First State Bank of Bigfork",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.60",
  "min_deposit": "45000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10991",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "1 Penalty of 30 days interest is imposed on early withdrawal.",
  "source_url": "https://www.fsbbigfork.com/services-tools/helpful-tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 65,
  "institution": "Lafayette Federal Credit Union",
  "kind": "credit_union",
  "state": "MD",
  "apy_pct": "3.60",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "619",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (MD DC VA only for the ACC route)",
  "early_withdrawal_penalty": "to Earn APY 2 Dividend APY 2 1 Early withdrawal penalties may apply.",
  "source_url": "https://www.lfcu.org/personal/certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 67,
  "institution": "Garden Plain State Bank",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.55",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19687",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.gpsbank.com/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 67,
  "institution": "Liberty Federal Credit Union",
  "kind": "credit_union",
  "state": "IN",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "1682",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.libertyfcu.org/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 67,
  "institution": "Security Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.55",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4178",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal from a Certificate of Deposit.",
  "source_url": "https://www.sbtulsa.bank/Current-Rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 70,
  "institution": "Leighton State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.53",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10118",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "p 3.75% 3.80% Quarterly 4 Year Step 3.50% 3.55% Quarterly 5 Year 3.50% 3.53% Semi-Annually * Annual Percentage Yield (APY) Rates effective 8/24/2026 and subject to change $500 minimum balance for CDs Early withdrawal penalties may apply.",
  "source_url": "https://leightonbank.com/bank-with-us/personal/cds-iras-and-hsas/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 71,
  "institution": "Patelco Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.50",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68579",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "And if you take money out before the end of the specified term, you\u2019ll likely have to pay an early withdrawal penalty.",
  "source_url": "https://www.patelco.org/checking-and-savings/savings-accounts/share-certificates?utm=INT:HME:MGMNAV:CERTS",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 71,
  "institution": "Visions Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.50",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "17429",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.",
  "source_url": "https://www.visionsfcu.org/rates/ira-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 71,
  "institution": "Home Bank and Trust Company",
  "kind": "bank",
  "state": "KS",
  "apy_pct": "3.50",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "4664",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://homebank-trust.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 71,
  "institution": "Blue Federal Credit Union",
  "kind": "credit_union",
  "state": "WY",
  "apy_pct": "3.50",
  "min_deposit": "10425",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "7361",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (foundation support)",
  "early_withdrawal_penalty": "Early withdrawal penalties apply.",
  "source_url": "https://www.bluefcu.com/bank/savings/term-shares/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 71,
  "institution": "Access Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58727",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "penalty may be imposed for early withdrawal.",
  "source_url": "https://www.accessbank.com/for-you/accounts/interest-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 71,
  "institution": "DCU (trade name of First Technology FCU in the NCUA file)",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "23521",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "yes (one-time donation)",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.dcu.org/bank/certificates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 71,
  "institution": "First Jackson Bank, Inc.",
  "kind": "bank",
  "state": "AL",
  "apy_pct": "3.50",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "23376",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "NOTICE: This account may require a minimum daily balance and/or impose a penalty for early withdrawal.",
  "source_url": "https://firstjacksonbank.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 78,
  "institution": "Columbus Bank and Trust Company",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.45",
  "min_deposit": "100",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15010",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "% 3.45% $50,000 + 3.45% 3.45% *Interest rates may change after the account is opened and fees could reduce the earnings on the account **APY (Annual Percentage Yield) is paid on the daily balance *** Penalty may be imposed for early withdra",
  "source_url": "https://colbank.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 78,
  "institution": "First Internet Bank of Indiana",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.45",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34607",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Contact Us Learn More Business CD Accounts & Rates Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties 3-month CD 3.10 % 3.14 % 90 days interest Open Account 6-month CD 3.70 % 3.76 % 180 days interest Open Account 12",
  "source_url": "https://www.firstib.com/open-account/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 78,
  "institution": "Marine Bank & Trust Company",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.45",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34233",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.elgacu.com/plan/certificates/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 78,
  "institution": "Quaint Oak Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.45",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35497",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit accounts carry a substantial penalty for early withdrawal.",
  "source_url": "https://www.quaintoak.com/personal-banking/deposit-products/cd-account/2-year-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 82,
  "institution": "Greater Nevada Credit Union",
  "kind": "credit_union",
  "state": "NV",
  "apy_pct": "3.44",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "68228",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (Nevada)",
  "early_withdrawal_penalty": "A penalty may be imposed for withdrawals before maturity.",
  "source_url": "https://www.gncu.org/banking/account-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 83,
  "institution": "KodaBank",
  "kind": "bank",
  "state": "ND",
  "apy_pct": "3.40",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "8386",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "$25,000 - $99,999* $100,000+* 3.30% 3.40% 3.50% 3.30% 3.40% 3.50% 60 Month: $1,000 - $24,999* $25,000 - $99,999* $100,000+* 3.40% 3.50% 3.60% 3.40% 3.50% 3.60% Rates Effective September 1st, 2026 *A penalty may be imposed for early withdraw",
  "source_url": "https://www.kodabank.com/personal/save-and-spend/cds-and-iras",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 83,
  "institution": "Pathway Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.40",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1992",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Substantial Penalty for Early Withdrawal.",
  "source_url": "https://www.pathwaybank.com/cds-iras-hsas",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 83,
  "institution": "EverBank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34775",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.everbank.com/product-selection?referid=31176",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 83,
  "institution": "First Bank of the Lake",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26960",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Penalty may be imposed for early withdrawal.",
  "source_url": "https://www.fblake.bank/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 87,
  "institution": "Kinecta Federal Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.40",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "4142",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "There is a substantial penalty for early withdrawal of certificate funds.",
  "source_url": "https://www.kinecta.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 88,
  "institution": "Great Plains State Bank",
  "kind": "bank",
  "state": "NE",
  "apy_pct": "3.35",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14058",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "2 Months $500 3.41% 3.45% 15 Months $500 3.84% 3.90% 18 Months $500 3.41% 3.45% 24 Months $500 3.21% 3.25% 36 Months $500 3.21% 3.25% 48 Months $500 3.26% 3.30% 60 Months $500 3.31% 3.35% Substantial penalty will be imposed for early withdr",
  "source_url": "https://gpsbanks.com/rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 88,
  "institution": "First American State Bank",
  "kind": "bank",
  "state": "CO",
  "apy_pct": "3.35",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34040",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.firstamericanstatebank.com/deposit-products/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 90,
  "institution": "Boonville Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.34",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "30128",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDS Term Interest Rate* APY** Minimum Deposit Early Withdrawal Penalty 91 Days 0.05% 0.05% $1,000.00 91 Days 182 Days 0.20% 0.20% $1,000.00 91 Days 09 Months 0.05% 0.05% $1,000.00 91 Days 12 Months 0.95% 0.95% $500.00 180 Days 18 Months 0.3",
  "source_url": "https://boonville.bank/lending/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 91,
  "institution": "First Community Credit Union",
  "kind": "credit_union",
  "state": "MO",
  "apy_pct": "3.30",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "67619",
  "remote_opening": "not stated",
  "nonresident_eligible": "Accounts are limited to US citizens and US residents, according to the institution's own pages.",
  "cu_membership_open_nationwide": "not stated (employer or association groups)",
  "early_withdrawal_penalty": "Certificates have substantial penalties for early withdrawal.",
  "source_url": "https://www.firstcommunity.com/services-tools/tools/rates.html",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 92,
  "institution": "First Federal Savings Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.29",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29056",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty will be imposed for early withdrawal.",
  "source_url": "https://www.firstfedsavings.bank/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 93,
  "institution": "Bank of Deerfield",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.28",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "2477",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": ", IRAs, and HSA**\u2075 Term Minimum to Open Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield 25 Month $2,500 $2,500 4.34% 4.39% 36 Month $2,500 $2,500 4.40% 4.45% \u00b9 Substantial Penalty for Early Withdrawal \u00b2 Advertise",
  "source_url": "https://www.bankofdeerfield.bank/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 93,
  "institution": "The Bank of Old Monroe",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.28",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "1655",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Certificates of deposit may be subject to penalty for early withdrawal.",
  "source_url": "https://www.bankofoldmonroe.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 95,
  "institution": "Forbright Bank",
  "kind": "bank",
  "state": "MD",
  "apy_pct": "3.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57614",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties apply to all Certificates of Deposit.",
  "source_url": "https://www.forbrightbank.com/personal-banking/growth-cd/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 95,
  "institution": "The Corner Stone Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.25",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9388",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "000 3.20% 3.25% Regular IRAs $100 $0 4.75% 4.75% Roth IRAs $100 $0 4.75% 4.75% Educational IRAs $100 $0 1.25% 1.25% 17 Month Special $1,000 $1,000 4.12% 4.20% *Fees could reduce earnings on accounts *Early withdrawal penalties will or may b",
  "source_url": "https://www.thecornerstonebank.net/deposits/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 95,
  "institution": "T Bank, National Association",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.25",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57703",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "CDs & IRAs are subject to a early withdrawal penalty.",
  "source_url": "https://t.bank/home/current-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 98,
  "institution": "Justice Federal Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.21",
  "min_deposit": "100000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "151",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "Certificate is subject to penalty for early withdrawal.",
  "source_url": "https://www.jfcu.org/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 99,
  "institution": "Compass Savings Bank",
  "kind": "bank",
  "state": "PA",
  "apy_pct": "3.20",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Months Minimum Balance Rate APY* 6 $500 3.75% 3.82% 12 $500 3.85% 3.92% 18 $500 3.50% 3.56% 24 $500 3.50% 3.56% 36 $500 3.15% 3.20% 60 $500 3.15% 3.20% * Annual Percentage Yield Penalty may apply for early withdrawal and reduce earnings.",
  "source_url": "https://compassbank.us/savings-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 99,
  "institution": "PenFed Credit Union",
  "kind": "credit_union",
  "state": "VA",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "227",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.penfed.org/certificates/money-market",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 99,
  "institution": "Sidney Federal Credit Union",
  "kind": "credit_union",
  "state": "NY",
  "apy_pct": "3.20",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "6011",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "no (counties)",
  "early_withdrawal_penalty": "",
  "source_url": "https://sfcuonline.org/accounts/share-certificates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 102,
  "institution": "Nuvision Credit Union",
  "kind": "credit_union",
  "state": "CA",
  "apy_pct": "3.10",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "",
  "ncua_charter": "566",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "not stated",
  "early_withdrawal_penalty": "IRS penalties may apply for early withdrawal.",
  "source_url": "https://www.nuvisioncu.org/rates/deposit-rates-certificates",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 103,
  "institution": "Academy Bank, National Association",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.03",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "19600",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "If not a CD, then should I try a Money Market All 3 * Annual Percentage Yield 1 A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.academybank.com/personal/save/certificate-of-deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 103,
  "institution": "DeMotte State Bank",
  "kind": "bank",
  "state": "IN",
  "apy_pct": "3.03",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "15883",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "APY represents Annual Percentage Yield A penalty will be imposed for funds withdrawn prior to maturity for all time deposits.",
  "source_url": "https://www.netdsb.com/rates-fees/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 103,
  "institution": "MA Bank",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.03",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "14695",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Fixed rate IRA are subject to above rates Substantial penalty for early withdrawal Privacy Policy Terms & Conditions US PATRIOT Act Zelle User Agreement Sitemap \u00a9 MA Bank.",
  "source_url": "https://www.mabank.com/personal/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 103,
  "institution": "Washita State Bank",
  "kind": "bank",
  "state": "OK",
  "apy_pct": "3.03",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "22430",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "**Early Withdrawal Penalties May Apply.",
  "source_url": "https://www.washitastatebank.com/personal/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 103,
  "institution": "Mercantile Bank",
  "kind": "bank",
  "state": "MI",
  "apy_pct": "3.03",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34598",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Subject to early withdrawal pen alty when principal is withdrawn prior to maturity.",
  "source_url": "https://mercbank.com/personal-banking/cds/merc",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 108,
  "institution": "Central State Bank",
  "kind": "bank",
  "state": "IA",
  "apy_pct": "3.02",
  "min_deposit": "1500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "10903",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months Savings and NOW Checking Accounts Savings accounts provide a straightforward way to earn interest while maintaining liquidity.",
  "source_url": "https://www.centralstatebankia.com/personal/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 109,
  "institution": "BayFirst National Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.01",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "34997",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be charged for early withdrawal.",
  "source_url": "https://www.bayfirstfinancial.com/personal/savings-money-market-and-cds/certificates-of-deposit/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "American Express National Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.00",
  "min_deposit": "0",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "27471",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "rawn with no penalty  -  great for unexpected challenges Explore HYSA Certificate of Deposit Account Know exactly how much your investment will earn A fixed APY protects you from falling interest rates Early withdrawal fee helps reinforce a",
  "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/cd/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "Freedom Bank of Southern Missouri",
  "kind": "bank",
  "state": "MO",
  "apy_pct": "3.00",
  "min_deposit": "250",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "35276",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Savings ++ $5 $0 0.40% 0.40% Business Savings ++ $100 $0 - - Tier 1 <$50,000.00 - $0 0.35% - Tier 2 $50,000.00 - $50,000 0.45% - Tier 3 $100,000.00 - $100,000 0.55% - APY = Annual Percentage Yield *A penalty may be imposed for early withdra",
  "source_url": "https://www.freedombk.com/deposit",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "The First State Bank of Rosemount",
  "kind": "bank",
  "state": "MN",
  "apy_pct": "3.00",
  "min_deposit": "500",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "9769",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "36 Month Roth IRA $500 3.00% 3.00% Annual 5 Year Roth IRA $500 3.00% 3.00% Annual \u2020 Variable Rate (Rate may be subject to change) * Fees could reduce earnings ** Minimum to earn interest Substantial penalty for early withdrawal of certifica",
  "source_url": "https://www.fsbrosemount.com/financial-tools/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "UniBank",
  "kind": "bank",
  "state": "WA",
  "apy_pct": "3.00",
  "min_deposit": "1000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58407",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal.",
  "source_url": "https://www.unibankusa.com/deposit/resources/deposit-rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "Great Midwest Bank, S.S.B.",
  "kind": "bank",
  "state": "WI",
  "apy_pct": "3.00",
  "min_deposit": "5000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "29657",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may exist for early withdrawal on all Certificates of Deposit accounts and IRAs.",
  "source_url": "https://greatmidwestbank.com/bank-account/cds-iras/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "Home Savings Bank",
  "kind": "bank",
  "state": "UT",
  "apy_pct": "3.00",
  "min_deposit": "10000",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "26798",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "Early withdrawal penalties may apply on Certificate of Deposit accounts.",
  "source_url": "https://www.hsbutah.com/rates",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "BMO Alto",
  "kind": "bank",
  "state": "IL",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "16571",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.alto.bmo.com/en-us/high-yield-cd/",
  "read_note": "",
  "date_checked": "2026-09-24"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "One World Bank",
  "kind": "bank",
  "state": "TX",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "57901",
  "ncua_charter": "",
  "remote_opening": "not stated",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "A penalty may be imposed for early withdrawal.",
  "source_url": "https://www.oneworldbank.com/bank-rates/",
  "read_note": "",
  "date_checked": "2026-09-28"
 },
 {
  "term_months": 60,
  "rank": 110,
  "institution": "Prime Meridian Bank",
  "kind": "bank",
  "state": "FL",
  "apy_pct": "3.00",
  "min_deposit": "",
  "promotion": "no",
  "product_note": "",
  "fdic_cert": "58694",
  "ncua_charter": "",
  "remote_opening": "yes",
  "nonresident_eligible": "not stated",
  "cu_membership_open_nationwide": "",
  "early_withdrawal_penalty": "",
  "source_url": "https://www.midflorida.com/rates/certificates",
  "read_note": "",
  "date_checked": "2026-09-28"
 }
]