Best Nationally Available Add-On CDs, September 24, 2025
Deposit Diary Daily #492
What’s Happening
The last time there was a rate change for an Add-On CD tracked by DepositQuest was in mid-August 2025. Since the Fed rate cut of 25 bps last week, the rates on four Add-On CDs were lowered.
Bank5 Connect • 3.85% (▼10 bps) ($500) • 24-month Investment CD
Michigan State University Federal Credit Union • 3.70% (▼10 bps) ($100k) • 1-year Add-On Jumbo Certificate
Michigan State University Federal Credit Union • 3.55% (▼10 bps) ($50) • 1-year Add-On Certificate
Rising Bank • 3.45% (▼15 bps) ($5k) • 18-month Rising CD
Top Five Nationally Available Add-On CDs
4.30% • ($50 min/$3k max) • 12-month Special EasyStart Certificate
Unlimited deposits (not to exceed $3k cap) during term, checking relationship, direct deposit, limit one per member
4.25% • $5 min/$100k max • 60-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit
4.25% • $5 min/$100k max • 18-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit
4.20% • $5 min/$100k max • 48-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit
4.15% • $5 min/$100k max • 36-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit
The Elusive Add-On CD
Charles Rechlin authored a very informative blog post, “Searching for the Elusive Add-On CD”, on Deposit Accounts several years ago.
To my mind, an ideal add-on CD possesses the following features:
a multi-year term (three or more years)
a fixed or minimum rate that is reasonably competitive with rates offered on CDs of identical maturity that don’t carry add-on rights
a low opening balance requirement
an unlimited right to make additional deposits from time to time, with no maximum balance
It’s extremely difficult, if not impossible, to locate a CD combining all of these features. You’re fortunate if you can find one with a couple of them.
The Mountain America Credit Union 36-month (4.15%), 48-month (4.20%), and 60-month (4.25%) Growth CDs are definitely in the “fortunate” category, offering three of the four features mentioned above.
The downside is the $100k overall balance cap, marring an otherwise perfect add-on CD.
A $5 deposit today could act as an inexpensive low-rate insurance policy, providing a guaranteed competitive rate for any upcoming maturing CD funds.
Add-On CDs with No Penalty Withdrawal Options
One bank and four credit unions currently offer a total of eight Add-On CDs that also have penalty-free withdrawal(s).
Genisys Credit Union • 4.11% • $100 min • 14-Month Flex CD Special
Kinecta Federal Credit Union • 3.75% • $100 min •12-Month Liquid Certificate
Credit Human • 3.75% • $5k min •12-month Liquid Share Certificate
Bellco Credit Union • 3.40% • $2.5k min • 30-month Smart Move CD
Bellco Credit Union • 3.40% • $2.5k min • 24-month Smart Move CD
Genisys Credit Union • 3.27% • $100 min • 1-Year Flex CD Special
Bellco Credit Union • 3.15% • $2.5k min • 36-month Smart Move CD
Climate First Bank • 2.68% • $500 min • 15-month Flex CD
Spreadsheet
The attached spreadsheet contains details on the 37 nationally available Add-On CDs currently offered by 16 credit unions and three banks as of September 24, 2025.
