Deposit Diary Daily #342
Best Nationally Available Add-On CDs, 30 April 2025
What’s Happening
It’s been a quiet week for nationally available Add-On CDs, with only one rate change:
Blue Federal Credit Union • 30-month Expandable Term Share • 3.30% (▲10 bps) • $500 min
Top Five Nationally Available Add-On CDs
4.37% • $100 min • 14-Month Flex CD Special
Unlimited deposits during term ($10-$25k per day), one penalty-free withdrawal up to 25% of principal, one rate bump
4.35% • $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 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 • 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
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 • 4.37% • $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 • 3.36% • $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 37 nationally available Add-On CDs currently offered by 15 credit unions and three banks.
