Deposit Diary Daily #341
Best Nationally Available No-Penalty CDs, 29 April 2025
What’s Happening
Marcus by Goldman Sachs has changed the rates on all its No-Penalty CDs:
11-month No Penalty CD, 4.10% (▲10 bps)
13-month No Penalty CD, 4.00% (▼15 bps)
7-month No Penalty CD, 4.00% (▼15 bps)
The Raisin bonus offer for new customers opening their first Raisin account is still in effect.
New customers only. Select and fund at least one savings product on the Raisin platform to begin our three-step sign-up process. You must use code BOOST to be eligible to earn bonus cash.
The more you deposit, the more you can earn: $75 for deposits totaling $10,000, $250 for deposits totaling $25,000; or $500 for deposits totaling $50,000 or more within 14 days of your first deposit. Offer ends June 30, 2025.
Maintain your deposits for 90 days from your first deposit date to earn your bonus!
No-Penalty CDs with Add-On Options
One bank and four credit unions currently offer a total of ten No Penalty CDs that also have add-on options. Complete details are listed in the attached spreadsheet.
Genisys Credit Union • 4.37% ($100 min) • 14-Month Flex CD Special (new product)
Kinecta Federal Credit Union • 4.25% ($10k min new money) • 9-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 • 3.33% ($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
Bellco Credit Union • 2.40% ($2.5k min) • 18-month Smart Move CD
Top No-Penalty CDs
The top five No-Penalty CDs in two categories (terms of 9 months or longer and less than 9 months) are listed below.
No-Penalty CD Terms of 9 Months or Longer
4.37% ($100) • 14-Month Flex CD Special (new product) • one penalty-free withdrawal up to 25% of principal, unlimited deposits during term ($10-$25k per day), one rate bump
4.30% • 10-month No Penalty CD • penalty-free closure after 30 days of account opening
4.25% ($1 min) • 14-month No Penalty CD • penalty-free closure after 30 days of account opening
Farmers Insurance Federal Credit Union
4.25% ($1k min) • 9-month No Penalty CD • one penalty-free withdrawal each calendar month
4.25% ($10k min new money) • 9-month Liquid Certificate • penalty-free withdrawals up to 50% of balance, unlimited deposits
No-Penalty CD Terms of Less than 9 Months
4.34% ($500 min) • 6-month Penalty Free CD • unlimited partial withdrawals
OptimumBank (Raisin)
4.20% ($1 min) • 5-month No Penalty CD • penalty-free closure after 30 days of account opening
Ponce Bank (Raisin)
4.15% ($1 min) • 4-month No Penalty CD • penalty-free closure after 30 days of account opening
Mission Valley Bank (Raisin)
4.15% ($1 min) • 3-month No Penalty CD • penalty-free closure after 30 days of account opening
4.00% (▼15 bps) ($500 min) • 7-month No Penalty CD • penalty-free early closure
Spreadsheet
A complete list of nationally available No-Penalty CDs is attached below. The links go directly to each financial institution’s rate page or the No-Penalty CD landing page.
