Deposit Diary Daily #270
Best Nationally Available Add-On CDs, 19 February 2025
In case you missed Monday’s post, Mountain America Credit Union is offering a limited-time 5.00% APY on its 18-month Growth Certificate. Following a 110 bps rate hike, the 18-month Growth Certificate currently offers the highest APY available on nationally available Add-On CDs.
Recent Rate Changes for Add-On CDs
Increases
Mountain America Credit Union • 18-month Growth Certificate • 5.00% (↑110 bps) • $5 min/$100k max
Mountain America Credit Union • 6-month Growth Certificate • 4.50% (↑15 bps) • $5 min/$100k max
Mountain America Credit Union • 48-month Growth Certificate • 4.25% (↑5 bps) • $5 min/$100k max
Mountain America Credit Union • 36-month Growth Certificate • 4.25% (↑5 bps) • $5 min/$100k max
Rising Bank • 18-month Rising CD • 4.15% (↑15 bps) • $5k min
Blue Federal Credit Union • 30-month Expandable Term Share • 3.20% (↑5 bps) • $500 min
Top Five Nationally Available Add-On CDs
5.00% (↑110 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
4.50% (↑15 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
4.30% • $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
4.26% • $5k min • 12-month Liquid Share Certificate
Unlimited deposits and two no-penalty withdrawals during term
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
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).
Credit Human • 4.26% • $5k min •12-month Liquid Share Certificate
Kinecta Federal Credit Union • 4.25% • $10k min new money • 9-Month Liquid 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 35 nationally available Add-On CDs currently offered by 14 credit unions and three banks.
