Best Certificate of Deposit Rates October 2026 Up to 6.14%

Special rate for new certificates only; does not apply to renewals; at maturity renews to a 6-month term; rates effective September 21, 2026

Special term; APY is annual percentage yield; Minimum balance to open account and earn stated APY is $500; Maximum deposit limit $250,000.00; Early withdrawal penalties apply

Effective date 10/1/26

$100,000+; Compound Period: Maturity; Jumbo Rate - $100,000+ Deposit

Minimum of $1,000 to open; penalty may be imposed for early withdrawal

Balance: $250,000.00 and over

Up to 4.50% APY; available terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month CDs; early withdrawal penalties apply; membership eligibility required

Interest compounded & paid quarterly; As of July 1, 2026

Dividends paid monthly

Term: six months to five years; APY as high as 4.50%; Dividend rate as high as 4.40%; Minimum to earn $1,000.00/$50,000.00; Minimum to open $1,000.00/$50,000.00; Monthly fee $0.00

Dividends compounded and credited at maturity; rates as of August 21, 2026

Bonus rate: 5.00% with bonus conditions (+0.10% each for Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage); Early withdrawal penalty: 90 Days Interest; Quarterly Dividends

Balance: $500,000.00 minimum to open and obtain APY

Featured offer; APY effective as of 09/24/2026; compounded and credited quarterly; early withdrawal penalty applies

No additional details available.

CD Rates; APY (Annual Percentage Yield)

Substantial Penalty for Early Withdrawal

Type: Regular/IRA; Dividends compound & paid: Daily

Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; rates as of 09/29/26

No additional details available.

Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026

Early Withdrawal Penalty: 3 Month Interest

Certificate IRA (Traditional & Roth); $1,000 minimum to open and to obtain APY; Dividends compounded and paid quarterly

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

No additional details available.

Balance: $100,001 and up

Minimum deposit to open a CD is $1,000; APY assumes dividends remain until maturity

No penalty for early withdrawals

Rates effective September 18, 2026

Rate marked with *; rates subject to change without notice

Base Rate + 1.25%; APR: 4.25%; Dividends paid monthly

Age: 13-17; Compounding: Monthly; $250 minimum

Rates as of 10/15/2026

Dividends paid monthly; IRA certificates available for 1, 2, 3 and 4-year terms

Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000

Balance: $100,000 & over; Penalty for early withdrawal applies; APY is based on quarterly compounding

Minimum deposit: $500 for 6 months; $1000 for terms greater than 12 months; Early withdrawal: terms less than 12 months 90 days dividends

Early withdrawal penalties may apply

Balance: $100,000 and above

Minimum deposit of $500 to open the Prime CD and earn the APY; Substantial penalty for early withdrawal

Increments of $1,000; maximum deposit $50,000,000

High Yield Business CD; maximum deposit $250,000

No additional details available.

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Balance: $500 - $9,999.99

New money deposits required; $10,000 minimum opening deposit

Limited-time special; requires new account opening with at least $25,000 minimum deposit and new money; withdrawals reduce earnings and an early withdrawal penalty applies