a great rate on your terms.
Open a Tiered Long-Term CD with $10,000 – $99,999.99 or a High-Yield Jumbo CD with $100,000 – $499,999.99.
Earn the Relationship Reward rate shown when you also have a Key checking account (excludes Key Express Checking®, KeyBank Hassle-Free Account® and Key Smart Checking®).
With certificates of deposit (CD), you choose the term and your rate is fixed, so you always know what you’ll earn and when you’ll earn it. Check today’s higher rates and start growing your savings on your schedule.
Features With Every Account
Guaranteed Returns
CD interest rates are fixed, so you grow your money at the same rate for the entire length of the term you choose.
Interest Payments
Choose to redeem your certificate of deposit at the end of the term or reinvest it to keep earning interest.
FDIC Insured
Every KeyBank CD is insured.
Online and Mobile Banking
Check in on your CD growth anytime in KeyBank online and mobile banking.2,3
Certificate of Deposit Accounts at KeyBank
- Terms from seven days to six months
- Earn more interest than with a traditional savings account
-
$2,500
Minimum Opening Balance -
Interest Compounded Daily and Fixed for the Term
-
Yes
Automatic Renewal?
- Terms from six months to 10 years
- Quickly fund from an eligible account in KeyBank online and mobile banking
-
$2,500
Minimum Opening Balance -
Interest Compounded Daily and Fixed for the Term
-
Yes
Automatic Renewal?
- Terms from seven days to 120 months
-
$100,000
Minimum Opening Balance -
Interest Compounded Daily and Fixed for the Term
-
Yes
Automatic Renewal?
Frequently Asked Questions About KeyBank Certificates of Deposit
With certificate of deposit (CD) accounts, money is saved for a fixed amount of time, called a term. In exchange for leaving your money in the account until the term ends, you earn a fixed interest rate, which is typically higher than the variable rates offered by savings accounts. Learn more about bank CDs and how CDs work.
How much interest you earn on your KeyBank CD depends on the amount you deposit, the term you choose and your fixed interest rate. To see how much you can earn, check our savings calculator.
No, unlike traditional savings accounts that can be deposited into at any time, CDs are funded just once.
Toward the end of the term of your CD, you’ll receive a maturity notice with details about your options. You’ll be able to:
- Withdraw your money and put it in another account.
- Automatically allow your CD to renew for the same term at the current rate.
You can withdraw your principal balance at any time, but most CDs have a penalty for early withdrawal. You may withdraw the interest you earn at any time without a penalty.
Yes, certificates of deposit are insured.
Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.
1
Interest rates and annual percentage yields (APY) indicated are accurate as of December 23, 2024, and are subject to change without notice. Based on the balance tier range the opening deposit balance falls within for the term selected, the fixed interest rate for that range will be paid on the entire opening deposit balance. Fees may reduce earnings on the account. Early withdrawal penalties may apply.
2
Subject to terms and conditions in Service Agreement.
3
Message and Data rates may apply from your wireless carrier.
KeyBank Member FDIC
