Deposit Diary Daily #392
Best Nationally Available Add-On CDs, 18 June 2025
What’s Happening
Kinecta Federal Credit Union has revamped its Certificate product line, resulting in the removal of the 9-Month Liquid Certificate (4.25%). On a happier note, the 12-Month Liquid Certificate now offers a 3.75% APY, increased by 75 bps.
The Genisys Credit Union 14-Month Flex CD Special was initially advertised as offering a special 4.37% APY for a limited time; three months later, the rate has dropped to 4.11% (▼26 bps). The 1-Year Flex CD also had a rate decrease (▼9 bps) and currently earns 3.27%.
Credit Human lowered the rate on its 12-month Liquid Share Certificate from 3.75% to 3.70%.
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% • $500 min • 24-month Investment CD
Unlimited deposits during term
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
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% (▼26 bps) • $100 min • 14-Month Flex CD Special
Kinecta Federal Credit Union • 3.75% (▲75 bps) • $100 min •12-Month Liquid Certificate
Credit Human • 3.70% (▼5 bps) • $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% (▼9 bps) • $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 36 nationally available Add-On CDs currently offered by 15 credit unions and three banks.
