Best Nationally Available No-Penalty CDs, August 11, 2026

No-Penalty CD APYS continue to be the least volatile of the rates tracked by Deposit Quest, with no rate changes this week. In the past 11 months, the top rate for No-Penalty CDs (9 months of longer) has either been 4.15% or 4.00%.

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The top No-Penalty CDs in two categories (terms of 9 months or longer and less than 9 months) are listed below.

Climate First Bank

• 4.15% ($500 min) • 12-month Penalty Free CD • unlimited partial withdrawals

Genisys Credit Union

• 4.00% ($100 min/$20k max) • 1-year Youth Flex Certificate (ages 0-21) • one penalty-free withdrawal up to 25% of principal, unlimited deposits during term ($10+ per day up to $20k max), one rate bump

USALLIANCE Financial

• 4.00% ($500 min) • 11-month No Penalty CD Special • penalty-free closure

Marcus by Goldman Sachs

• 4.00% ($500 min) • 11-month No Penalty CD • penalty-free closure

SkyOne Federal Credit Union

• 4.00% ($1k min new money) • 10-month Flex CD • penalty-free daily withdrawals, up to 50% of daily balance

Farmers Insurance Federal Credit Union

• 4.00% ($1k min new money) • 9-month No Penalty CD • one penalty-free withdrawal each calendar month

Colorado Federal Savings Bank

• 3.95% ($5k min) • 11-month No Penalty CD • penalty-free early closure

Climate First Bank

• 4.18% ($500 min) • 8-month Penalty Free CD • unlimited partial withdrawals

Climate First Bank

• 4.07% ($500 min) • 6-month Penalty Free CD • unlimited partial withdrawals

NexBank (Raisin)

• 4.00% ($1 min) • 6-month No Penalty CD • penalty-free closure after 30 days of account opening

OptimumBank (Raisin)

• 4.00% ($1 min) • 5-month No Penalty CD • penalty-free closure after 30 days of account opening

ConnectOne Bank

• 4.00% ($500 min) • 4-month Penalty-Free Time Deposit • unlimited partial withdrawals

Ponce Bank (Raisin)

• 3.98% ($1 min) • 4-month No Penalty CD • penalty-free closure after 30 days of account opening

Two banks and eight credit unions currently offer a total of 20 No-Penalty CDs that also have add-on options. Complete details are listed in the attached spreadsheet.

Genisys Credit Union • 4.00% ($100 min/$20k max) • 1-year Youth Flex Certificate (ages 0-21)

Genisys Credit Union • 3.90% ($100 min) • 14-Month Flex CD Special

Goldwater Bank • 3.90% (no min) • 6-month Liquid CD

Sunward Federal Credit Union • 3.75% ($100k min new money) • 16-month Flex Certificate

Genisys Credit Union • 3.70% ($100 min) • 1-Year Flex CD Special

Technology Credit Union • 3.65% ($1k min) • 5-Month Liquid Certificate

Technology Credit Union • 3.65% ($1k min) • 4-Month Liquid Certificate

Technology Credit Union • 3.65% ($1k min) • 3-Month Liquid Certificate

Credit Human • 3.54% •12-month Liquid Share Certificate

Sunward Federal Credit Union • 3.50% ($500 min) • 16-month Flex Certificate

Kinecta Federal Credit Union • 3.50% ($100 min) • 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

Goldwater Bank • 3.25% (no min) • 12-month Liquid CD

Bellco Credit Union • 3.15% ($2.5k min) • 36-month Smart Move CD

SkyOne Federal Credit Union • 3.10% ($1k min) • 11-month Liquid Share Certificate

Cal Coast Credit Union • 3.00% ($1k min) • 8-month Liquid Certificate

Kinecta Federal Credit Union • 2.75% ($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

A list of nationally available No-Penalty CDs as of August 11, 2026 is attached below. The links go directly to each financial institution’s rate page or the individual No-Penalty CD landing page.