Deposit Diary Daily #165
Best Nationally Available Add-On CDs (5 November 2024)
Recent Rate Changes
There were five rate changes in the past week for Add-On CDs followed by Deposit Quest.
Mountain America Credit Union • 6-month Growth Certificate • 4.65% (↓25 bps) • $5 min/$100k max
Mountain America Credit Union •12-month Growth Certificate • 4.50% (↓25 bps) • $5 min/$100k max
Navy Federal Credit Union •12 months Add-On Share Certificate • 4.20% (↓10 bps) • $250 min
Mountain America Credit Union • 18-month Growth Certificate • 4.15% (↓5 bps) • $5 min/$100k max
All In Credit Union • 12-month Smart Start CD • 3.77% (↓20 bps) • $5k min
Top Five Nationally Available Add-On CDs
4.70% • $50 min/$3k max • 12-month Special EasyStartSM Certificate
Unlimited deposits (not to exceed $3k cap) during term, checking relationship, direct deposit, limit one per member
4.65% (↓25 bps) • $5 min/$100k max • 6-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
4.50% (↓25 bps) • $5 min/$100k max • 12-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% • $50 min • 12-month EasyStartSM Certificate
Unlimited deposits during term, multiple certificates allowed
4.25% • $10k min new money • 9-Month Liquid Certificate
Unlimited deposits, penalty-free withdrawals up to 50% of balance
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).
Kinecta Federal Credit Union • 4.25% • $10k min new money • 9-Month Liquid Certificate
Credit Human • 3.82% • $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 • 3.33% • $100 min • 1-Year Flex CD Special
Bellco Credit Union • 3.15% • $2.5k min • 36-month Smart Move CD
Kinecta Federal Credit Union • 3.00% • $100 min •12-Month Liquid Certificate
Climate First Bank • 2.68% • $500 min • 15-month Flex CD
Spreadsheet
The attached spreadsheet contains details on the 34 nationally available Add-On CDs currently offered by 14 credit unions and three banks.
