To open a Credit Human Share Certificate, you'll have to qualify for membership. A minimum of $500 is required to open a CD, which is less than what many other banks require upfront. Credit Human offers an especially high interest rate on its 1-year term. You may like a Credit Human Share Certificate if you'd prefer a credit union over a bank. 180 days of interest for terms over 1 year.90 days of interest for terms above 6 months and up to one year. 30 days of interest for terms between 30 days and up to 6 months.Penalties: The following early withdrawal penalties may apply to TotalDirectBank CDs: Term options: TotalDirectBank has terms ranging from 3 months to 5 years. The online division doesn't operate in Florida, Somoa, Guam, the Northern Mariana Islands, or the U.S. TotalDirectBank is the online-only division of the City National Bank of Florida. TotalDirectBank CDs have a steep minimum opening deposit of $25,000 and a maximum deposit of $1 million. TotalDirectBank CDĪ TotalDirectBank CD may be appealing if you're searching for a 3-month or 6-month term available nationwide. Penalties: The early withdrawal penalty for the 8-month CD special is 90 days of interest. Term options: Financial Partners Credit Union also has terms ranging from 3 months to 5 years. This offering is also only for new members. This promotional CD has specific opening requirements: You must deposit at least $1,000 but no more than $5,000. Membership is open to anyone who lives, works, or goes to school in select areas in Southern California (Los Angeles County, Orange County, Riverside County, San Diego County, the City of South San Francisco, or Alameda) or works for a select employer group. You can earn 6.50% APY on an 8-month CD if you qualify for membership at the credit union. The Financial Partners Credit Union 8-Month Certificate Special pays the highest CD rate overall. Financial Partners Credit Union 8-Month CD Special When a financial institution is FDIC- or NCUA-insured, up to $250,000 per depositor is secure in a bank account. If you're wary of banks because a few failed in 2023, keep in mind money is safe at a federally insured financial institution. Our top picks for CDs are protected by federal insurance. Also, make sure you know what steps you need to take once your CD term ends. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.ĬDs aren't as accessible as other types of savings accounts, so keep in mind how long you can keep money in the account without potentially facing early withdrawal penalties. You may be eligible for membership if you live, work, or go to school in an eligible area in Southern California (Los Angeles County, Orange County, Riverside County, San Diego County, the City of South San Francisco, or Alameda) or work for a select employer group. To open this CD at Financial Partners Credit Union, you must be a new member of the credit union. The Financial Partners Credit Union 8-month CD special requires a minimum deposit of $1,000 and a maximum deposit of $5,000. United States Senate Federal Credit Unionįinancial Partners Credit Union (8-month term) paying 6.50% APY
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