Best CD Rates
We regularly monitor rates from over 200 banks and show the highest CD rates. CD rates are fixed for the term of the CD. You may be penalized for withdrawing funds before your certificate of deposit matures. The highest CD rates usually require longer terms. Bank and credit union CDs are insured up to $250,000 per depositor by the FDIC or NCUA.
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| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Navy Federal Credit Union Rates as of Feb. 3rd | 1 year | 2.96% | 3.00% | $50 | Special Easy Start Certificate-$3,000 maximum balance-must have direct deposit of net pay-Navy FCU checking and monthly automatic deposit of at least $15-See site for membership eligibility details. |
| Bank of Internet Rates as of Feb. 3rd | 1 year | 1.35% | 1.35% | $1,000 | none |
| The First National Bank of Pawnee Rates as of Feb. 3rd | 1 year | 1.20% | 1.21% | $1,000 | Single Maturity CD |
| Northwest Savings Bank Rates as of Feb. 3rd | 1 year | 1.20% | $500 | Promotion CD - only available to existing Northwest Savings Bank customers, limited to local western New York market area | |
| Pentagon Federal Credit Union Rates as of Feb. 3rd | 1 year | 1.16% | $1,000 | Money Market CD-membership is open to U.S. military | |
| Doral Bank Direct Rates as of Feb. 3rd | 1 year | 1.14% | 1.15% | $1,000 | Internet only bank - apply online or by mail - product available to all 50 states |
| Hanmi Bank Rates as of Feb. 3rd | 1 year | 1.11% | $1,000 | Internet CD - California only | |
| Melrose Credit Union Rates as of Feb. 3rd | 1 year | 1.10% | 1.10% | $5,000 | Share Certificate - contact Melrose CU for opening paperwork |
| Connexus Credit Union Rates as of Feb. 3rd | 1 year | 1.10% | $10,000 | Rate available with active checking account - membership is available nationwide - may become a member and open account online - contact credit union for details - credit union located in Wisconsin | |
| Nationwide Bank Rates as of Feb. 3rd | 1 year | 1.05% | $500 | CD Tier $0-$9,999 | |
| AloStar Bank of Commerce Rates as of Feb. 3rd | 1 year | 1.03% | $1,000 | APY for balances $1,000 - $49,999 - apply online | |
| Virtual Bank Rates as of Feb. 1st | 1 year | 1.00% | 1.01% | $10,000 | eCD rates for online account only |
| Grand Bank Rates as of Feb. 3rd | 1 year | 1.00% | 1.01% | $1,000 | none |
| Beal Bank Rates as of Feb. 3rd | 1 year | 1.01% | 1.01% | $10,000 | Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location. Rate collected for Zip Code 72205 |
| Goldwater Bank Rates as of Feb. 3rd | 1 year | 1.00% | 1.00% | $5,000 | none |
| Sallie Mae Bank Rates as of Feb. 3rd | 1 year | 1.00% | $0 | Nationwide - apply online | |
| Amboy Direct Rates as of Feb. 1st | 1 year | 1.00% | 1.00% | $10,000 | eSavings CD - Earn 1.00% APY for 12 months if you maintain $10,000 balance, $100 to open |
| Mountain View Bank of Commerce Rates as of Feb. 3rd | 1 year | 1.00% | 1.00% | $1,000 | For balances under $100,000 - must sign account documents in branch - Colorado market area |
| First State Bank (firststatebankky.com) Rates as of Feb. 1st | 1 year | 1.00% | 1.00% | $100 | 12 Month CD - Located in Kentucky |
| Discover Bank Rates as of Feb. 3rd | 1 year | 1.00% | 1.00% | $2,500 | none |
| OneUnited Bank Rates as of Feb. 1st | 1 year | 1.00% | 1.00% | $1,000 | Unity Gold One Year E-CD - Available Online only |
| Community Bank (nevadacb.com) Rates as of Feb. 3rd | 1 year | 1.00% | 1.00% | $1,000 | Located in Iowa |
| Acacia Federal Savings Bank Rates as of Feb. 1st | 1 year | 1.00% | 1.00% | $500 | Apply online |
| State Bank of India Rates as of Feb. 1st | 1 year | 1.00% | $5,000 | none | |
| Ally Bank Rates as of Feb. 3rd | 1 year | 0.99% | 0.99% | $1 | High-Yield CD - Apply online |
| Colorado Federal Savings Bank Rates as of Feb. 3rd | 1 year | 0.95% | 0.95% | $5,000 | Online CD |
| Vist Financial Rates as of Feb. 1st | 1 year | 0.94% | 0.95% | $500 | 12-17 month CD |
| Pacific Mercantile Bank Rates as of Feb. 1st | 1 year | 0.95% | 0.95% | $10,000 | none |
| Stonebridge Bank Rates as of Feb. 1st | 1 year | 0.95% | $500 | none | |
| AIG Bank Rates as of Feb. 3rd | 1 year | 0.92% | 0.92% | $2,500 | Signature CD - FDIC insured with no market risk. Open an account online or by phone. |
| Trustco Bank Rates as of Feb. 1st | 1 year | 0.90% | $500 | Rates may vary by location. Rate collected within: 10025 (NY) | |
| E-Loan Rates as of Feb. 3rd | 1 year | 0.90% | 0.90% | $10,000 | none |
| Black River Country Bank Rates as of Feb. 3rd | 1 year | 0.90% | 0.90% | $1,000 | none |
| Bellevue State Bank Rates as of Feb. 3rd | 1 year | 0.90% | 0.90% | $2,500 | none |
| NewDominion Bank Rates as of Feb. 1st | 1 year | 0.89% | 0.90% | $3,000 | none |
| MetLife Bank Rates as of Feb. 3rd | 1 year | 0.90% | $15,000 | APY for balances $15,000 to $24,999 | |
| Atlas Bank Rates as of Feb. 3rd | 1 year | 0.90% | 0.90% | $2,500 | Must open account in person - NY market area |
| USAA Bank Rates as of Feb. 1st | 1 year | 0.86% | $1,000 | Fixed Rate Standard CD Tier $1,000 - $94,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details. | |
| OneWest Bank Rates as of Feb. 3rd | 1 year | 0.85% | 0.85% | $1,000 | Branch and Call Center CD Rates/Southern CA residents only |
| OneWest Bank Rates as of Feb. 3rd | 1 year | 0.85% | 0.85% | $1,000 | Online CD |
| Union Center National Bank Rates as of Feb. 1st | 1 year | 0.83% | 0.83% | $1,000 | none |
| The National Republic Bank of Chicago Rates as of Feb. 1st | 1 year | 0.80% | 0.80% | $1,000 | none |
| MetLife Bank Rates as of Feb. 3rd | 1 year | 0.80% | $2,000 | APY for balances $2,000 to $14,999 | |
| Citizens Bank of Rogersville Rates as of Feb. 1st | 1 year | 0.80% | 0.80% | $1,000 | none |
| First National Bank Rates as of Feb. 3rd | 1 year | 0.80% | 0.80% | $1,000 | 12 Month CD - Located in Oklahoma |
| The First Bank and Trust Company of Murphysboro Rates as of Feb. 1st | 1 year | 0.80% | $1,000 | none | |
| Citizens State Bank of Paola Rates as of Feb. 1st | 1 year | 0.80% | 0.80% | $500 | none |
| American Bank and Trust Rates as of Feb. 3rd | 1 year | 0.80% | 0.80% | $500 | none |
| Rhinebeck Savings Bank Rates as of Feb. 1st | 1 year | 0.80% | 0.80% | $10,000 | none |
| Ultima Bank Rates as of Feb. 1st | 1 year | 0.80% | 0.80% | $1,000 | none |
| Bank Gloucester Rates as of Feb. 3rd | 1 year | 0.75% | 0.76% | $500 | Rate effective for balances up to $49,999.99 |
| Main Bank Rates as of Feb. 1st | 1 year | 0.76% | 0.76% | $1,000 | 12 Month CD |
| Clinton State Bank Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $500 | none |
| Hudson City (Rate in NY) Rates as of Feb. 3rd | 1 year | 0.74% | 0.75% | $500 | Rate collected within: NY |
| Community Bank (cbbristow.com) Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $2,500 | Located in Bristow, OK |
| First State Bank of Colfax Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $1,000 | none |
| Ouachita Independent Bank Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $1,000 | none |
| Corridor State Bank Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $1,000 | Iowa market area only |
| Southeast Financial Credit Union Rates as of Feb. 1st | 1 year | 0.75% | $500 | Membership is limited to select employer groups. See website for complete list of eligible employers. | |
| First National Bank of Crystal Falls Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $1,000 | 12 - 17 month CD |
| Citizens Federal Savings and Loan Association Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $500 | 12 Month CD - Open in branch - Ohio |
| Boiling Springs Savings Bank Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $1,000 | Apply at a branch |
| Quantum National Bank Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $1,000 | Relationship CD - Limited to Georgia customers only |
| Hudson City (Rate in CT) Rates as of Feb. 3rd | 1 year | 0.74% | 0.75% | $500 | Rate collected within: CT |
| First Capital Bank of Kentucky Rates as of Feb. 3rd | 1 year | 0.75% | $500 | none | |
| South LaFourche Bank Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $1,000 | Non-auto renew 1 Year CD |
| OnBank Rates as of Feb. 1st | 1 year | 0.75% | $500 | none | |
| First State Bank of Wyoming Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $1,000 | 12 Month Relationship CD - requires a First State Bank of Wyoming checking account |
| First City Bank (firstcitybank.com) Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $1,000 | 12-17 Month CD - Located in Florida |
| H&R Block Bank Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $250 | none |
| Ascencia Bank Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $500 | none |
| Mile High Banks Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $1,000 | Available in Colorado Market area only |
| Community Business Bank Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $10,000 | 1 Year CD - $10,000.01 - $50,000 |
| Monument Bank Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $500 | none |
| First Southern State Bank Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $500 | 12 Month CD |
| EverBank Rates as of Feb. 3rd | 1 year | 0.75% | 0.75% | $1,500 | Yield Pledge CD |
| Giantbank Rates as of Feb. 1st | 1 year | 0.75% | 0.75% | $2,500 | Giant Personal CD |
| Hudson City (Rate in NJ) Rates as of Feb. 3rd | 1 year | 0.74% | 0.75% | $500 | Rate collected within: NJ |
| Alliance Bank (alliancebank.us) Rates as of Feb. 3rd | 1 year | 0.73% | 0.73% | $500 | 12 Month CD - Located in Wisconsin |
| First Savings Bank Northwest Rates as of Feb. 1st | 1 year | 0.70% | 0.71% | $1,000 | 12 month CD - tier $1,000 to $4,999 |
| First National Bank in Cimarron Rates as of Feb. 3rd | 1 year | 0.70% | 0.70% | $500 | Rate effective for balances up to $9,999.99 - tiered rates apply |
| Metropolitan National Bank Rates as of Feb. 1st | 1 year | 0.70% | $1,000 | Rate/APY may vary by location | |
| Viking Savings Bank Rates as of Feb. 1st | 1 year | 0.70% | 0.70% | $500 | 12 month CD |
| NOVA Bank Rates as of Feb. 3rd | 1 year | 0.70% | 0.70% | $500 | Fixed Rate |
| Neighbors Credit Union Rates as of Feb. 1st | 1 year | 0.70% | 0.70% | $1,000 | none |
| Brunswick State Bank Rates as of Feb. 1st | 1 year | 0.70% | 0.70% | $2,500 | Limited to local Nebraska market area |
| Cashmere Valley Bank Rates as of Feb. 1st | 1 year | 0.70% | 0.70% | $100 | Account must be opened at a branch - rates are for existing customers - Limited to Washington market area |
| Citizens State Bank (csbtx.com) Rates as of Feb. 3rd | 1 year | 0.70% | $1,000 | Located in Texas | |
| Canandaigua National Bank and Trust Rates as of Dec. 8th | 1 year | 0.69% | $500 | 13 month-Short-Term CD Special with Optimum Checking Account | |
| Washington Savings Bank Rates as of Feb. 3rd | 1 year | 0.65% | 0.66% | $500 | Must maintain a balance of at least $10 to earn the stated APY |
| EH National Bank Rates as of Feb. 3rd | 1 year | 0.65% | 0.65% | $10,000 | Personal CD - APY for balances under 100K |
| Wakefield Co-operative Bank Rates as of Feb. 1st | 1 year | 0.65% | 0.65% | $500 | none |
| Think Mutual Bank Rates as of Feb. 1st | 1 year | 0.65% | 0.65% | $250 | Located in MN |
| NorthSide Bank Rates as of Feb. 1st | 1 year | 0.65% | $1,000 | 12 Month CD | |
| First National Bank in Philip Rates as of Feb. 3rd | 1 year | 0.65% | 0.65% | $1,000 | none |
| Citizens State Bank Norwood Young America Rates as of Feb. 3rd | 1 year | 0.65% | 0.65% | $500 | 12 Month CD - contact bank for eligibility requirements |
| First Enterprise Bank Rates as of Feb. 3rd | 1 year | 0.65% | 0.65% | $1,000 | 12 Month CD |
| UnionState Bank Rates as of Feb. 1st | 1 year | 0.65% | 0.65% | $500 | Alabama and Florida market area only - open in branch |
| Transportation Alliance Bank Rates as of Feb. 1st | 1 year | 0.65% | 0.65% | $1,000 | none |
| First National Bank of Groton Rates as of Feb. 3rd | 1 year | 0.65% | 0.65% | $10,000 | 1 year Renewable Once CD |
| California First National Bank Rates as of Feb. 3rd | 1 year | 0.65% | 0.65% | $5,000 | none |
| Tompkins Trust Company Rates as of Feb. 3rd | 1 year | 0.65% | $1,000 | 12-24 month CD - limited to local New York market area | |
| Geddes Federal Savings and Loan Association Rates as of Feb. 3rd | 1 year | 0.65% | 0.65% | $500 | Central New York market area only |
| First State Bank of Harvey Rates as of Feb. 1st | 1 year | 0.65% | 0.65% | $1,000 | none |
| Geauga Savings Bank Rates as of Feb. 1st | 1 year | 0.65% | 0.65% | $1,000 | Local funds only, contact retail offices in Ohio |
| State Farm Bank (Rate in CA) Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $500 | 12 Month CD - Less than $100,000 - Rate collected within: 94115 (CA) |
| Cathay Bank Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $2,500 | 1 Year to 23 Month CD Tier $2,500 - $49,999-Rate collected within NY |
| First Community Bank of Hillsboro Rates as of Feb. 3rd | 1 year | 0.60% | 0.60% | $1,000 | none |
| First Dakota National Bank Rates as of Feb. 3rd | 1 year | 0.60% | 0.60% | $1,000 | none |
| State Farm Bank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $500 | 12 Month CD - Less than $100,000 - Rate collected within: 10025 (NY) |
| First State Bank of Wyoming Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $1,000 | 12 Month CD |
| Opus Bank Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $1,000 | 365 day CD - Tiered Rates $1,000-$9,999 - Rate collected within: CA |
| State Farm Bank (Rate in IL) Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $500 | 12 Month CD - Less than $100,000 - Rate collected within: 60625 (IL) |
| Hopkins Federal Savings Bank Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $5,000 | New accounts available for Maryland residents only - must open in person |
| M and T Bank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.60% | $1,000 | Select Promo 12 Month CD - Requires an M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY) | |
| VisionBank Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $500 | none |
| First National Bank of Moose Lake Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $1,000 | none |
| Atlantic Coast Bank Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $1,000 | iCertificate of Deposit |
| AmTrust Direct Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $1,000 | none |
| Warsaw Federal Savings and Loan Rates as of Feb. 1st | 1 year | 0.59% | 0.60% | $1,000 | none |
| First State Bank of Forrest Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $1,000 | 12 Month CD |
| First National Bank of Groton Rates as of Feb. 3rd | 1 year | 0.60% | 0.60% | $1,000 | Limited to local New York market area |
| First National Bank of Kansas Rates as of Feb. 3rd | 1 year | 0.60% | 0.60% | $500 | none |
| Community Bank of Trenton Rates as of Feb. 1st | 1 year | 0.60% | 0.60% | $1,000 | none |
| MetroBank Rates as of Feb. 1st | 1 year | 0.55% | 0.55% | $500 | $500 - $24,999 |
| Investors Savings Bank Rates as of Feb. 1st | 1 year | 0.54% | 0.55% | $500 | none |
| Fulton Bank Rates as of Feb. 1st | 1 year | 0.55% | 0.55% | $2,500 | Relationship Banking CD - 12 Month Variable Rate - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location. Rate collected within 10025 |
| Coppermark Bank Rates as of Feb. 1st | 1 year | 0.55% | 0.55% | $1,000 | Rate collected within Oklahoma |
| Lytle State Bank Rates as of Feb. 1st | 1 year | 0.55% | 0.55% | $500 | none |
| Centennial Bank Rates as of Feb. 1st | 1 year | 0.55% | 0.55% | $10,000 | from CentennialBank.com |
| American Express Rates as of Feb. 3rd | 1 year | 0.55% | $0 | Bank by phone or online only | |
| First Community Federal Credit Union Rates as of Feb. 3rd | 1 year | 0.55% | 0.55% | $500 | Base APY. Membership is open to employeess and students of school districts in the Michigan counties of Wayne and Monroe, as well as select businesses, family members and retirees. See site for details. |
| The First Central National Bank Rates as of Feb. 1st | 1 year | 0.55% | 0.55% | $1,000 | none |
| Fulton Bank Rates as of Feb. 1st | 1 year | 0.55% | 0.55% | $500 | Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location. Rate collected within 10025 |
| Coleman County State Bank Rates as of Feb. 3rd | 1 year | 0.55% | 0.55% | $1,000 | Rate effective for balances up to $99,999.99 - tiered rates apply thereafter. |
| Canandaigua National Bank and Trust Rates as of Dec. 8th | 1 year | 0.54% | $500 | 13 month-Short-Term CD Special with Advantage Checking Account | |
| Central Bank Illinois Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | 12 Month CD - less than $10,000-Rates collected in Princeton region |
| Washington Federal Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | 12-17 month term-Balances of $1000-$89,999-account must be opened in branch |
| Flagstar Bank Rates as of Feb. 3rd | 1 year | 0.50% | $500 | 12 - 17 Month CD - Apply online - Rate collected within: 49201 (MI) | |
| Cornhusker Bank Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | 12 Month CD |
| First Bank of Missouri Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | 12-23 month CD - must open account in person |
| First Mariner Bank Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | Not available to residents of NY, NV, or OR - apply online |
| ING Direct Rates as of Feb. 3rd | 1 year | 0.50% | $1 | Orange CD - 12 Month | |
| National Exchange Bank and Trust Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | none |
| Fort Jennings State Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $500 | 12 Month CD |
| Windsor Federal Savings and Loan Association Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $1,000 | none |
| The Bank of Southern Connecticut Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | none |
| Farmers and Merchants State Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $10,000 | 12 Month CD Tier $10,000 - $99,999 |
| Zions Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $1,000 | Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. |
| Happy State Bank Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | 365 Day CD - Tier $1,000 - $10,999 - Located in TX |
| First Green Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $1,000 | Renewable CD |
| Fox Chase Bank (Rate in NJ) Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | 12 Month CD - Rate collected within NJ |
| BBVA Compass (Rate in CA) Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | 12 month CD - Rate collected within Northern CA |
| East Boston Savings Bank Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | 12 month CD |
| Avon Co-Operative Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $1,000 | none |
| BBVA Compass (Rate in FL) Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | 12 month CD - Rate collected within Jacksonville, FL |
| BBVA Compass (Rate in AL) Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | 12 month CD - Rate collected within Birmingham, AL |
| Bryn Mawr Trust Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | Regular CD - Can open Online - Bank Located in PA |
| Seacoast Commerce Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $10,000 | Bank by Mail CD |
| Kirkwood Bank and Trust Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $1,000 | Open in branch - North Dakota |
| Bank of Blue Valley Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | 12-17 month CD |
| Iowa State Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $1,000 | 12 Month CD |
| Chicago Community Bank Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $5,000 | 12 Month Promotional CD - New money only |
| Fox Chase Bank (Rate in PA) Rates as of Feb. 1st | 1 year | 0.50% | 0.50% | $500 | 12 Month CD - Rate collected within PA |
| Zions Bank Rates as of Feb. 3rd | 1 year | 0.50% | 0.50% | $1,000 | Internet CD |
| Merchants Bank (mbvt.com) Rates as of Feb. 1st | 1 year | 0.45% | 0.45% | $500 | 12-23 Month CD - Vermont market area only |
| Sterling Bank and Trust Rates as of Feb. 1st | 1 year | 0.45% | $500 | CD - Rates for California and Michigan market area | |
| West Milton State Bank Rates as of Feb. 1st | 1 year | 0.45% | 0.45% | $500 | none |
| Farmington Bank Rates as of Feb. 3rd | 1 year | 0.45% | 0.45% | $500 | Available to residents of Connecticut |
| Allied First Bank Rates as of Feb. 1st | 1 year | 0.45% | 0.45% | $500 | none |
| North American Savings Bank Rates as of Feb. 1st | 1 year | 0.45% | 0.45% | $1,000 | 12 - 23 Month CD |
| United Valley Bank Rates as of Feb. 1st | 1 year | 0.45% | 0.45% | $500 | none |
| Wells River Savings Rates as of Feb. 1st | 1 year | 0.45% | 0.45% | $200 | none |
| Canandaigua National Bank and Trust Rates as of Dec. 8th | 1 year | 0.44% | $500 | 13 month-Short-Term CD Special with Other/No Checking Account | |
| First Community Bank (fcbwky.com) Rates as of Feb. 3rd | 1 year | 0.41% | $500 | 12 Month CD - Located in Kentucky | |
| American Bank of Texas Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $1,000 | 12 Month CD Tier $1,000 - $9,999 - Apply online or at branch |
| First Federal Savings Bank of Elizabethtown Rates as of Feb. 3rd | 1 year | 0.40% | 0.40% | $500 | Rate collected within: 40201 (KY) |
| Monroe Bank and Trust Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $1,000 | none |
| Lafayette Savings Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | 12 Month CD |
| Farmers and Merchants National Bank Rates as of Feb. 3rd | 1 year | 0.40% | 0.40% | $1,000 | 12 Month CD |
| TheBANK of Edwardsville Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $1,000 | IL market area only |
| Commonwealth Community Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | 12 Month CD |
| Hillcrest Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $1,000 | none |
| Middletown Valley Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $1,000 | none |
| Fulton Bank of New Jersey Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | Rate collected within: 08034 (NJ) |
| FirstMerit Bank Rates as of Feb. 3rd | 1 year | 0.40% | $1,000 | CD Special - Open in branch - Rate collected within: 60625 (IL) | |
| First Shore Federal Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | 12 Month CD |
| Bank of Botetourt Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | none |
| Haskell National Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | none |
| The Antwerp Exchange Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | 12 Month CD |
| Villa Grove State Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | none |
| Superior Savings Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | 12 Month CD - Wisconsin market area only |
| Poplar Grove State Bank Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $1,000 | none |
| First Bank Des Moines Rates as of Feb. 1st | 1 year | 0.40% | 0.40% | $500 | 12-23 Month CD - Limited to Iowa residents only, other restrictions may apply |
| Palatine Bank and Trust Rates as of Feb. 1st | 1 year | 0.38% | 0.38% | $1,000 | none |
| Weymouth Bank Rates as of Feb. 1st | 1 year | 0.38% | 0.38% | $5,000 | Regular CD - South Shore Massachusetts market area |
| Lee County Bank and Trust, NA Rates as of Feb. 1st | 1 year | 0.34% | 0.35% | $1,000 | 12 Month CD |
| Bank of Charles Town Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $1,000 | 12 Month CD |
| First Tennessee Bank Rates as of Feb. 1st | 1 year | 0.35% | $1,000 | Regular 12 Month CD - Open online | |
| Bank of America (Rate in NY) Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $10,000 | Standard 12-17 Month CD - Tier Less than $10,000 - Rate collected within: NY |
| First National Bank of McConnelsville Rates as of Feb. 3rd | 1 year | 0.35% | 0.35% | $500 | none |
| Valley National Bank Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $500 | 12 Month CD |
| First National Bank Omaha Rates as of Feb. 1st | 1 year | 0.34% | 0.35% | $500 | 12 Month Base CD - Higher rates available for checking customers |
| Simsbury Bank Rates as of Feb. 1st | 1 year | 0.35% | $500 | 1 Year Regular CD - No minimum balance required to earn stated APY | |
| Citizens Savings Bank Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $1,000 | 12 Month CD - Located in Pennsylvania |
| The First Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $500 | 12 Month CD |
| CoreFirst Bank and Trust Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $1,000 | none |
| Peoples Bank (peoplesbank-wa.com) Rates as of Feb. 1st | 1 year | 0.35% | $500 | Rate collected within: Whatcom County, WA | |
| Bank of America (Rate in IL) Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $1,000 | Standard 12-17 Month CD - Tier Less than $10,000 - Rate collected within: IL |
| The Jacksonville Bank Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $1,000 | 12-23 Month Terms-Rates and terms specific to accounts opened online |
| Bank of America (Rate in CA) Rates as of Feb. 1st | 1 year | 0.35% | 0.35% | $1,000 | Standard 1 Year to 23 Month CD - Tier Less than $10,000 - Rate collected within: CA |
| Fulton Bank Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $2,500 | Regular CD - 12 Month Variable Rate - rates vary by geographic location. Rate collected within 10025 |
| First Federal Savings and Loan Association of Lakewood Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $500 | Long Term Accounts |
| First Bank of Colorado (Rate in AZ) Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $500 | Time Deposit Account - Interest rate is fixed of the term for the account - Rate collected within AZ |
| Bank of Oklahoma Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $1,000 | 1 Year CD - Less than $100,000 |
| Union Bank Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $350 | 12 - 17 Month CD - Tier $350-$999 - Rate collected within: CA |
| FNBT.COM Bank Rates as of Feb. 3rd | 1 year | 0.30% | 0.30% | $1,000 | none |
| Capital One Bank (Rate in NY) Rates as of Feb. 3rd | 1 year | 0.30% | 0.30% | $5,000 | Non-Jumbo CD - Apply online - Rate collected within: 10025 (NY) |
| Harris Bank (Rate in IL) Rates as of Jan. 25th | 1 year | 0.30% | 0.30% | $1,000 | 12 Month CD - Rate collected within: 60625 (IL) |
| First Bank of Colorado (Rate in CO) Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $500 | Time Deposit Account - Interest rate is fixed of the term for the account - Rate collected within CO |
| First Bank of Colorado (Rate in CA) Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $500 | Time Deposit Account - Interest rate is fixed of the term for the account - Rate collected within CA |
| Zions Bank Rates as of Feb. 3rd | 1 year | 0.30% | 0.30% | $1,000 | Regular CD |
| Banterra Bank (Rate in KY) Rates as of Jan. 25th | 1 year | 0.30% | 0.30% | $1,000 | Rate collected within: KY - apply in person |
| Umpqua Bank Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $1,000 | 12-17 Months-Rate tiers APY for balances between $1,000 and $9,999 - Open online - Rate may vary by location - Rate collected within: 89509 (NV) |
| North Shore Community Bank and Trust Company Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $1,000 | Fixed Rate Category - Regular Rate |
| Northbrook Bank and Trust Company Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $1,000 | 12-month fixed rate certificate - Rate effective for tier $1,000 - $49,000 |
| Banterra Bank (Rate in MO) Rates as of Jan. 25th | 1 year | 0.30% | 0.30% | $1,000 | Rate collected within: MO - apply in person |
| First National Bank of St. Louis Rates as of Feb. 1st | 1 year | 0.30% | $1,000 | 12 month CD | |
| Standing Stone National Bank Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $500 | For deposits of less than $5,000.00, interest is paid quarterly. For deposits of $5,000.00 or more, interest is paid at maturity |
| Capital One Bank (Rate in IL) Rates as of Feb. 3rd | 1 year | 0.30% | 0.30% | $5,000 | Non-Jumbo CD - Apply online - Rate collected within: 60625 (IL) |
| Banterra Bank (Rate in IL) Rates as of Jan. 25th | 1 year | 0.30% | 0.30% | $1,000 | Rate collected within: IL - apply in person |
| Citizens First Bank (citizensfb.com) Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $500 | Available in Florida market area |
| Capital One Bank (Rate in CA) Rates as of Feb. 3rd | 1 year | 0.30% | 0.30% | $5,000 | Non-Jumbo CD - Apply online - Rate collected within: 94115 (CA) |
| North Dallas Bank and Trust Co. Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $1,000 | Regular CD - Under $100,000 |
| Citizens First Bank Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $500 | 12 Month CD Tier $500 - $9999 - Located in Wisconsin |
| Commerce Bank (Rate in IL) Rates as of Feb. 1st | 1 year | 0.30% | 0.30% | $1,000 | 1 Year CD Tier - Up to $9,999 - Rate collected within: 60625 (IL) |
| Libertyville Bank and Trust Rates as of Feb. 1st | 1 year | 0.28% | 0.28% | $1,000 | 12 Month CD |
| Frost Bank Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | CD available online - APY for balances between $1,000 - $99,999 |
| MB Financial (Rate in IL) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | 12-17 Month CD - Accounts under $100,000 - Rate collected within Chicago, IL |
| Citibank Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $500 | 1 Year CD - Tier below $10,000 - Online account only - Rate collected within; NY |
| PNC Bank (Rate in IL) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | 12 Month Fixed Rate CD Only - Rate collected within: 60625 (IL) |
| PNC Bank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | 12 Month Fixed Rate CD Only - Rate collected within: 10025 (NY) |
| National Bank of Kansas City Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1 | Personal CD 12 - 23 Month - open online, $5,000 to open |
| MB Financial (Rate in PA) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | 12-17 Month CD - Accounts under $100,000 - Rate collected within Philadelphia, PA |
| Citizens Trust Bank Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $500 | New customers must open in branch-limited to Georgia |
| Chase (Rate in IL) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | 12 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 IL) |
| PeoplesBank (bankatpeoples.com) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | Located in Massachusetts |
| Gate City Bank Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | Regular CD - Rate collected within: Fargo ND |
| Chase (Rate in NY) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | 12 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 10025 (NY) |
| American Bank Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | Located in TX, Fixed Rate-Money Market CD with limited check writing privileges. |
| Bank of The Valley Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $500 | none |
| Susquehanna Bank Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $500 | 12 - 17 Month Fixed Rate CD - Tier $500 - $49,999 |
| Chase (Rate in CA) Rates as of Feb. 1st | 1 year | 0.25% | 0.25% | $1,000 | 12 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA) |
| TD Bank (Rate in DC) Rates as of Feb. 1st | 1 year | 0.20% | $250 | No Catch 12 Month CD - Rate collected within: Washington DC | |
| Commercial Bank and Trust of Pennsylvania Rates as of Feb. 1st | 1 year | 0.20% | 0.20% | $500 | 12-23 Month CD |
| First National Community Bank (FNCB) Rates as of Feb. 1st | 1 year | 0.20% | 0.20% | $1,000 | 12 month CD - Apply online |
| Charles Schwab Bank Rates as of Feb. 1st | 1 year | 0.20% | 0.20% | $1,000 | 12 Month CD Tier $1,000 - $4,999 - apply by phone |
| Eastern Bank Rates as of Feb. 3rd | 1 year | 0.20% | 0.20% | $500 | none |
| Provident Bank (providentbanking.com) Rates as of Feb. 1st | 1 year | 0.20% | 0.20% | $500 | Regular CD - Limited to New York market area |
| KeyBank (Rate in OH) Rates as of Feb. 1st | 1 year | 0.20% | 0.20% | $2,500 | 12 Month Key Tiered CD with Relationship Reward - Must have a KeyBank checking account - $2,500 -$9,999 - Rate collected within: 44125 (OH) |
| KeyBank (Rate in WA) Rates as of Feb. 1st | 1 year | 0.20% | 0.20% | $2,500 | 12 month Key Tiered CD with Relationship Reward - Must have a KeyBank checking account - $2,500 -$9,999 - Rate collected within: 98101 (WA) |
| First Midwest Bank Rates as of Feb. 3rd | 1 year | 0.20% | 0.20% | $500 | none |
| Comerica Bank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.20% | $1,000 | 1 year Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 10025 (NY) | |
| Comerica Bank (Rate in IL) Rates as of Feb. 1st | 1 year | 0.20% | $1,000 | 1 year Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 60625 (IL). | |
| KeyBank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.20% | 0.20% | $2,500 | 12 Month Key Tiered CD with Relationship Reward - Must have a KeyBank checking account - $2,500 -$9,999 - Rate collected within: 10025 (NY) |
| Comerica Bank (Rate in CA) Rates as of Feb. 1st | 1 year | 0.20% | $1,000 | Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 94115 (CA) | |
| HSBC Rates as of Feb. 3rd | 1 year | 0.20% | $1,000 | 1 Year Plus 1 Day CD - Stated rate is for accounts opened at an HSBC branch or by phone | |
| HSBC Advance Rates as of Feb. 3rd | 1 year | 0.20% | $10 | Online only | |
| TD Bank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.20% | $250 | No Catch 12 Month CD - Rate collected within: New York NY | |
| TD Bank (Rate in FL) Rates as of Feb. 1st | 1 year | 0.20% | $250 | No Catch 12 Month CD - Rate collected within: Florida (FL) | |
| The Huntington National Bank (Rate in KY) Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $1,000 | 12 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 41017 (KY) |
| Fifth Third Bank Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $10,000 | 12 - 24 Month Standard CD Tier $10,000 - $24,999 - Rate collected within: 60625 (IL) |
| Astoria Federal Savings Bank Rates as of Feb. 3rd | 1 year | 0.15% | 0.15% | $500 | Apply at a branch - New York |
| Regions Bank Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $500 | 12 - 17 Month CD - Rate collected within: 63102 (MO) |
| Stifel Bank and Trust Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $1,000 | Open in branch |
| Watertown Savings Bank (watertownsavings.com) Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $1,000 | Regular CD - Located in MA |
| Alliance Bank (alliancebankna.com) Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $1,000 | Tier $1,000 - $9,999 - Apply at a branch - Located in New York |
| The Huntington National Bank (Rate in OH) Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $1,000 | 12 Month Standard Rate CD <100K - $1,000 - $9,999 - Rate collected within: 43215 (OH) |
| The Huntington National Bank (Rate in MI) Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $1,000 | 12 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 49120 (MI) |
| Aurora Bank FSB Rates as of Feb. 3rd | 1 year | 0.15% | 0.15% | $1,000 | Rates effective on balances up to $99,999.99 |
| Southern Bank and Trust Company Rates as of Feb. 1st | 1 year | 0.15% | 0.15% | $500 | 12-17 month CD - tier $500 to $9,999 |
| KeyBank (Rate in OH) Rates as of Feb. 1st | 1 year | 0.10% | 0.10% | $2,500 | 12 Month Key Tiered CD without Relationship Reward - $2,500 -$9,999 - Rate collected within: 44125 (OH) |
| Provident Bank (myprovident.com) Rates as of Feb. 1st | 1 year | 0.10% | $1,000 | Time Deposit - Tier $1,000 - $9,999 - Receive an added .25% to the quoted APY when you open a checking account with direct deposit, bonus also available to existing direct deposit checking customers - Located in CA | |
| KeyBank (Rate in WA) Rates as of Feb. 1st | 1 year | 0.10% | 0.10% | $2,500 | 12 Month Key Tiered CD without Relationship Reward - $2,500 -$9,999 - Rate collected within: 98101 (WA) |
| Amegy Bank of Texas Rates as of Feb. 1st | 1 year | 0.10% | 0.10% | $0 | Personal CD |
| KeyBank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.10% | 0.10% | $2,500 | 12 Month Key Tiered CD without Relationship Reward - $2,500 -$9,999 - Rate collected within: 10025 (NY) |
| Amegy Bank of Texas Rates as of Feb. 1st | 1 year | 0.10% | 0.10% | $1,000 | Personal Internet CD - apply online |
| Bremer Bank Rates as of Feb. 1st | 1 year | 0.05% | $500 | Tiered rates - Stated rate applies to balances $500 - $9,999 - apply by phone or at a branch | |
| Wells Fargo Bank (Rate in CA) Rates as of Feb. 1st | 1 year | 0.05% | $2,500 | Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: CA | |
| Wells Fargo Bank (Rate in NY) Rates as of Feb. 1st | 1 year | 0.05% | $2,500 | Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: NY | |
| Wells Fargo Bank (Rate in IL) Rates as of Feb. 1st | 1 year | 0.05% | $2,500 | Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: IL |
Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
The ABCs of CDs
Because banks generally like it when you keep a steady balance with them, certificates of deposit (CDs) encourage you to do just that: invest a sum in an account that pays you a higher interest rate in exchange for your commitment.
The term of the CD determines how long you need to keep your money in the account before you can withdraw it without a penalty. CDs exist for many different terms, though the most common range from one month to five years. Generally, the longer the the CD term, the higher the interest rate you will receive.
CDs are insured by the FDIC up to $250,000 per account owner for each financial institution. CDs can offer a safe place to build your savings with interest rates that will outpace most savings accounts, but to truly benefit from CDs, it's important to note their unique characteristics.
CD features
- CDs aren't liquid. Your funds will be tied up for a specified period of time, and if you cash out early, you'll lose your interest and possibly some principal.
- The good and bad news is that interest rates on CDs are locked in for the duration of term. This means that if interest rates drop, you continue to earn at the higher interest rate. On the other hand, if interest rates rise, you won't benefit from the rate increase.
- The best CD rates generally come with the longest terms. While a longer-term CD can be a good purchase when you open one during a time of high interest rates, they can also cost you interest earnings if rates rise significantly during the term.
- CDs generally have a minimum balance requirement, which varies depending on the financial institution.
- Once your CD reaches maturity, you have a specified period of time to roll the account over into a new CD along with the earned interest, or you can withdraw the money for other purposes.
- When and how much you can deposit to your CD during the term varies by bank.
CD rate considerations
Fixed-rate CDs are the most common type. They require that you deposit a certain amount and wait out the term with a static interest rate. But some banks offer so-called bump-up CDs, which allow users to take advantage of rising CD interest rates if they occur. The bump-up feature is usually only allowed once or twice a term, however. These accounts sometimes start at lower interest rates than fixed rate CDs, which means you could end up earning less than you anticipated if interest rates don't rise during the term.
Steps to opening an account
Make the most of your investment by keeping a few things in mind when choosing your CD:
- Choose an account that compounds interest daily, versus monthly, quarterly or annually, as this grows your money faster. Be sure to pay close attention to interest rates on your CD, as they are the primary reason you're locking your money up.
- Interest rates change frequently, so be sure the rate you saw in an ad or online is the one you get when you actually open the account.
- Look for accounts that require a minimum deposit that meets your saving needs.
- Consider laddering multiple CDs to improve liquidity. This process involves opening up a series of accounts with varying maturity dates, which can allow for more frequent withdrawals while still earning higher interest rates.
CDs can be a great way to grow your savings and reach your financial goals, particularly if you aren't earning the interest rates you want on your standard savings accounts.
Best CD rates found by users like you
Have you been able to find even better CD rates than the ones displayed above? If yes, please share them with us and other MoneyRates users! Please include the details: the name of the bank, APY, term of the CD, when you opened the account, and whether the account can be opened online or only in the branch (if the latter, please include the location of the branch). Thank you!
Showing 103 comments | Add your comment
S T Shapiro
22 January 2012 at 5:33 pm
Tompkins Trust Company requirements to open an account: Live, work, attend school or will be attending school in one of the following counties: Tompkins, Seneca, Schuyler, Cayuga or Cortland.
Daniel
6 December 2011 at 5:42 pm
were do we go to find rates from foreign banks or non banks any ideas much appreciated.
Bob
2 December 2011 at 7:02 am
TCT Credit Union 3yr min. $1000 2.00% APY
jimshu1
27 November 2011 at 4:35 am
Doral Bank Direct http://www.doralbankdirect.com/cd_learn.asp 1.65% 3yr. CD's
Paul
21 November 2011 at 8:08 pm
Beal Bank APY 1.1% 12 month CD
mark
18 November 2011 at 11:37 am
this is are government at work. they caused the housing bubble by lowing rate and subprime loans. now they are bailing out the banks while are seniors are collecting less than 2% on there savings.
edward levy
7 November 2011 at 8:18 pm
first financial group is a so-called c.d. locator group and is a complete fraud. they offered 3.01% in the paper so when i made an appointment they offered me 3% on $10,000 and .75% on the second $10,000.. you do the math. it comes to 1.88%. they wasted my time and fraudulently advertised. the ftc should take a serious look at this company.
Heather bee
19 October 2011 at 3:21 am
What goes up must come down remember that old adage? Gold is rising now but 1 day will be worthless
J. Davis
20 September 2011 at 7:57 am
Linda Hurst is incorrect in saying midfirstdirect is offering 1.5% for 1 year, check their site, it's APR is 1.05% for 1 year.
Linda Hurst
13 September 2011 at 10:03 am
midfirstdirect.com is offereing 1.5% APR on 1 yr CD.
Jorg Haider
31 August 2011 at 6:03 pm
Buy gold or farm property,everything else is a suckers bet when all the world economies collapse.
Lee Tepper
16 August 2011 at 6:43 am
What do you think of a U.S. Treasury I Bond instead of a one year C.D. even considering the redemption penalty of the bond?
Tabatha Trammell
16 August 2011 at 5:30 am
Wells Fargo ,Atlanta
Mark L.
5 August 2011 at 5:02 am
3.44% with an APY of 3.50% on a 10-year FDIC insured CD with IGOBanking.Com. Hmmm...This sounds tempting; however, I am wondering if it would really be prudent to lock my $$$ in for such a long-term. I currently have two existing jumbo CD's - One with Capital One Bank that I opened in August 2008 for 5-years @ 5.12% (5.25% APY) and the other with Sovereign Bank - 5-years @ 2.96% (3.00% APY). My Capital One CD is due to mature in August 2013 & my Sovereign Bank CD will not mature 'til February 2016. I am wondering, at this rate, with the overall dismal outlook on our US economy, if the Federal Funds rate will ever be increased again. The Fed's say inflation remains subdued and under control. Well, I guess that's true if you don't eat or drive an automobile.
SJ Graves
3 August 2011 at 7:14 am
I see an ad in the Greenville News for a 6 month CD at 3.85%. this is offered by the First financial Group. Is this a group i can trust? Anyone know. BBB gave them a A-, because they have not been in business long and there are no complaints.
Natalia Smolina
2 August 2011 at 2:48 pm
Capital One Bank, APY 3,00%, 10 year, 3-4 aug.,the branch in Skokie. Thank you!
Rhonda
29 July 2011 at 2:47 pm
http://www.fortknoxfcu.org/cdrates.html has a 59 month CD for 2.60%. minimum to open 500.00. Can get on line. Must open a share savings account with the credit union, need to be a member, which is easy, if no other reason to be a member applies, you can choose "other" and they will email you an application to mail back. 10.00 one time fee to open the savings, and 5.00 minimum balance
Heather
29 July 2011 at 2:30 pm
First Choice Bank, APY 1.50%, 2 years, July 20, 2011, opened only in branch (Cerritos/Alhambra, CA)
Valenta
17 July 2011 at 11:08 am
Midfirst Bank, Oklahoma City, OK 84 month callable CD APY 3.10 %
Craig
15 July 2011 at 12:34 pm
I put a call into Georgia Primary Bank to inquire about opening a CD. All of Georgia Primary Bank deposits are available for Georgia residents only
Heather
28 June 2011 at 2:10 pm
I just opened an account last week at First Choice bank in Cerritos, CA. It was a 366-day term CD with APY 1.35%. Accounts need to be opened in the branch, and their rates can also be found at www.firstchoicebankca.com
William Lapp
23 June 2011 at 8:53 pm
The Wells fargo is .03%...not 3% for savings. Ally looks to be the best and most consistent
LYNDA BLIVAS
27 May 2011 at 2:24 pm
WELLS FARGO HAS PROMO SAVING ACCOUNT @ 3% FOR 13 MO. BUT LIMIT IS $500.00, cAN'T MAKE MUCH BUT THE RATE IS GREAT FOR TODAY'S MARKET
Qugiely
25 May 2011 at 5:18 am
How come I never see Kearny Bank in any of the listings. They give the best rate out there.
Quigley
25 May 2011 at 5:16 am
How come I never see Kearny Bank on any listings. I find them to have the best cd for seniors.
Jim S
8 May 2011 at 5:07 am
SalemFive Bank https://www.salemfive.com/index.php/personal/banking/account-rates#regcd 24 month CD at 1.75% APY
Steve
6 May 2011 at 12:22 pm
Salie Mae: 2.15 APY - No Minimum. https://banking.salliemae.com/login.do?_flowExecutionKey=_cE6A5B3C8-631C-D783-5185-C5BB731FE104_kF9916232-C420-C6F3-F7FC-9BD461B0BAD0
Diana
1 May 2011 at 2:17 pm
Previous question about Navy Credit Union -- One has to have a connection to Navy or be related to someone with a connection. That person must be a member of the Credit Union. At their website they have an extended list of who would be eligible. Don't get too excited though. The maximum deposit amount eligible for that 3% rate is $3000.
Ruth Sutherlin
24 April 2011 at 8:23 pm
What are the Highest Certificate of Deposit Rates in Virginia
Marc Nephtali
16 April 2011 at 3:29 pm
Hi, I would like to have some info about your 3% Special Easy Start Certificate-$3,000 maximum. Do I need to be a navy person to sign up for that CD thanks Marc
Joshua Scribner
6 April 2011 at 1:28 pm
Doral Bank Direct (internet only bank) is currently offering a 12 Month CD @ 1.40% APY. The link to their rates is http://www.doralbankdirect.com/cd_learn.asp. Thanks, Josh Scribner
Nat Silverman
15 March 2011 at 2:41 pm
The CD's need to pay more if that may be possible? Please furnish Local Banks in our area.
Alex
9 March 2011 at 7:04 am
I am not working there: https://www.ssfcu.org/en-us/rates/Pages/default.aspx I just use them - the best overall conditions, penalties and rates
RUTH COHEN
9 March 2011 at 2:18 am
INTERRESTED IN NAVY FEDERAL CREDIT UNION. IS IT FEDERALLY INSURED? PLEASE GIVE AN ANSWER WITH DETAILS. THANK YOU RUTH
Judy
28 February 2011 at 8:09 pm
Page Valley Bank will not let you open accounts over the phone or internet you must live close enough to go to the bank to get the rate.
Dan Conroe
25 February 2011 at 11:47 am
USA One Credit Union is proud of the great rates we offer on CDs. Please see below for a full list of CD rates and visit our website (www.usaonecu.com) for details on our full range of products and services. CD Rates with $250 minimum deposit Dividend APY 3 Month: 0.45% 0.45% 6 Month 0.60% 0.60% 9 Month 0.72% 0.73% 12 Month 0.85% 0.85% 18 Month 0.90% 0.90% 24 Month 1.09% 1.10% 30 Month 1.14% 1.15% 36 Month 1.59% 1.60% 42 Month 1.66% 1.68% 48 Month 1.74% 1.75% 60 Month 1.93% 1.95% 120 Month 2.33% 2.35%
charlene
8 February 2011 at 4:08 am
Looking for the best 18 month CD rate in either Maryland or New York.
Steven Pein
26 January 2011 at 6:58 am
10 Year CD Rate is now 3.67% 3.62% rate with 3.67% yield on 10 Year CD at First Federal Savings Bank. Can open online. View at this link: Part bank is First Federal Savings Bank of Elizabethtown (Kentucky) http://www.ffsbky.com/site/rates.html?40004#cd_ira
Joseph
20 January 2011 at 12:33 pm
Looking to find a high cd rate for 6-8 months...deposit of $10,000.
Georgia
19 January 2011 at 5:13 pm
Looking for best CD rate for $10K for 60 days if there is such an animal.
Tracey
13 January 2011 at 7:43 pm
Agree with Frank, see comment 8/24/10. I just opened a 24 month "raise your rate" at 1.52 APY CD with Ally Bank online. It was very easy to open and set up. Thanks for the information Frank.
Dan
9 January 2011 at 6:31 am
Looking for high rates as possible in the 5 to 7 year time w/ FDIC
HR BAYNE
13 December 2010 at 8:30 am
I USED IGOBANKING AND FOUND ABSOLUTELY NO PROBLEM.THE ACCOUNT WAS OPENED EASILY AND MY CONTACT WITH ONE OF THE VPS WAS VERY HELPFUL.IF ALL BANKS WORKED THIS SMOOTHLY LIFE WOULD BE A BIT EASIER HRB
Pat
13 December 2010 at 7:43 am
Justice Federal Credit Union announced a 7.50% APY savings rate, an astounding rate on a short term share certificate offered to Members as they wrap-up their 75th Anniversary Year. With an annual percentage yield of 7.50%, this 75 day share certificate offers one of the highest rates in the country. Justice FCU proudly serves those who serve justice, law enforcement, and homeland security across the nation. This offering is their way of saying thank you to their members for 75 years of service.
norman girard
23 November 2010 at 8:59 pm
Dear Robin: I just looked up your suggestion and it is no wheres to be found.They only had 2% APY for a 5 year cd. It sure is not from their site you supposedly found this out? Do you have a link???????? I have checked this bank often and it has always had lower reates than others, consistently over the last year.
Melinda
19 November 2010 at 3:37 pm
iGOBanking makes you jump through hoops - I don't care what their rates are - we tried to open a 2 year 2.65% CD - they said we were accepted and never debited our account. Said they would guarantee the rate - but took over 2 weeks to verify our address since we hadn't lived here for more than 2 years - just not easy to do business with - we canceled the application. Not worth the hassle - if it is that onerous to open an account, what would it be to cash it in and get your $$$.
robin
20 October 2010 at 8:33 am
iGoBanking.com has just added a 24 month CD with 2.25% APY, minimum $1,000, which puts them at the top of your table. They are an online bank - according to their website: iGObanking.com is an online division of Flushing Savings Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer. I've seen them with some of the hightest rates quite frequently this year.
Leola Harris
14 October 2010 at 8:38 pm
looking for best cd rate in Jacksonville, Florida for first time deposits
robin
4 October 2010 at 12:17 pm
iGoBanking.com has just added an 18 month CD with 1.50% APY, minimum $1,000 They are an online bank - according to their website: iGObanking.com is an online division of Flushing Savings Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer. I've seen them with some of the hightest rates quite frequently this year.
ashley
19 September 2010 at 9:51 am
CDs up to 3.30% https://www.usaa.com/inet/ent_utils/McStaticPages?key=bank_cd_rates
Frank
24 August 2010 at 8:37 am
Well, let's face it. All of these CD rates are miserable, and really tough for us old folk who depend upon interest income to pay our bills. For me, I have put all of my CD funds into Ally Bank. I find none more accessible, easy to communicate with, and especially a terrific 2 year CD with option to bump up once to a higher rate during that period if rates should go higher. This is great for a person like me who really prefers one-year CD committments.
cyrus
17 August 2010 at 1:20 am
Tidelands Bank Mt Pleasant,SC 843-284-8446 2.02 apy 7-month CD $1000 minimum new deposits ONLY no other accounts required
ralph glorioso
14 August 2010 at 8:33 pm
My wife and I had our retirement IRAs to re-invest and were not seeing rates much over 1% for a 12 month deposit and we did not want to go for 2 or more years at this time. Umpqua Bank has been around since 1928, in Oregon initially, but opened in July in Santa Rosa. Through August 31, they have a promotional CD for 13 months at 1.75% APY. This was the best we could find anywhere and we were happy to have it. A free interest-bearing checking account is included. Scott and Gioia were the staff we dealt with and they were terrific. All in all, a very pleasant and productive experience.
Ali A.
31 July 2010 at 6:08 am
Virginia Commerce Bank offers a one year CD at an APY oF 1.55%.
Lynda
21 June 2010 at 4:43 pm
Union Bank current cd promotions two year 2% and three yer 2.5%
Gene LaBert
4 June 2010 at 12:14 pm
2% at OneWest (former LaJolla Bank) in Dallas as of 12-4-10.
james antonucci
8 May 2010 at 12:00 pm
soveriegn bank in nh 3% at 36 months. Can I get any better?
mimi Shapiro
23 April 2010 at 7:45 am
2% at First Citizens bank in Corona CA
dirk
22 April 2010 at 6:45 pm
Everbank 3.21 3.26 5 year
steve smith
14 October 2009 at 3:24 pm
I called Hanmi Bank northridge CA - there CD is 2.10 for a 6 to 12 month time line with a $90,000 + deposit
Lucretia Coleman
1 September 2009 at 5:34 am
Td Bank Has great CD rates also 9 mth is 1.40% Minimum deposit $500 2 year is 1.50% minimum deposit $ 500 there 5 year is 4.00 % minimum deposit $ 1000.00. The best way to gain maximum interest potential is to go with a shorter term CD.
james davis
29 August 2009 at 1:46 pm
Yes, I found Delta Community Bank has a 1 Year CD @ 2.35%, which would be the highest rate on the list currently because Quantum Bank is only for Georgia customers. I found this rate online - do you think it is legit? thanks!
Dave W
25 August 2009 at 5:39 pm
Park National Bank. Any branch. (Chicago area) 12 month CD 2.20% APY. Minimum deposit 1,000.00. In person only. 8/25/09
Dave W
25 August 2009 at 5:37 pm
Park National Bank 12 month CD 2.20% APY. Minimum deposit 1,000.00.
william ignatowski
25 August 2009 at 10:51 am
2.20 % for 1 year Park National Bank
Washington Federal Bank
21 August 2009 at 9:12 am
Washington Federal Bank for Savings has a 6 month CD special at 1.96% apy. $1,000 minimum to open. They have 2 offices 2869 S. Archer Ave 773-254-3422 and 1410 W. Taylor St. 312-455-2940. A branch visit is required to open the account. They have been around for 96 years and are rated a 5 star bank by Bauer Financial (www.bauerfinancial.com).
robert purcell
18 August 2009 at 5:48 am
looking for highest FDIC insured CD rates for 6months to 1 year
jill jones
18 August 2009 at 1:59 am
I would like to know the best rate around since my CD matures tomorrow!
Shel Ferdman
15 August 2009 at 11:25 am
Check out Citibank 60mo. CD Rate
joan grooms
14 August 2009 at 5:12 pm
3mo. and 6mo cd rates
Nancy McIntyre
13 August 2009 at 3:17 pm
Check Susquehanna Valley Federal Credit Union
James Leonard
12 August 2009 at 7:25 am
Looking for the best 1 year CD for $25,000.
royal anthony tyler
10 August 2009 at 4:15 am
My son is in college and I would like to have up to a 6yr plan to be able to pay his tuition plus room and board, still have some left over to do other things with for projects.
Sandra Carmen
8 August 2009 at 9:59 am
To invest about $170,000 for 3 months.
ann peron
8 August 2009 at 7:02 am
need ga.rate
richard
7 August 2009 at 11:18 am
Looking for the best rate on CDARS for 13 weeks. Can be a bank outside of Florida if they accept non resident companies. CDARS are a group of CD's from various banks for very large amounts, so all of it is insured.
Jack Brink
3 August 2009 at 6:40 pm
Bank of the west
John F. Anthony
31 July 2009 at 3:59 pm
I'm looking to place $80,000.00 in a local bank and would like a CD rate for the period of one year, eighteen months and two years.
Ann Mine
25 July 2009 at 5:04 am
Umpqua Bank, 2.5%apy, 13mos, 10k min. (umpquabank.com)
Pamela Stratton
17 July 2009 at 6:15 am
2.65 APY at Washington First Bank in Great Falls, VA.
Shelley Diamond
14 July 2009 at 2:23 pm
Patelco Credit Union website says special promotional 1 year CD at 7% for "new members" but there was nothing listed about what criteria must be met to be a member so it sounds suspicious but that's the highest rate I've seen so I thought I would mention it....
mary
14 July 2009 at 1:54 am
3-month CD with First Fidelity Bank in Northern Virginia for 4.01%.
Richman
11 July 2009 at 8:41 am
Where in New Jersey is the bank who gives the highest interest rate on the shortest period of time. What is the amount of CD money and how much is the interet rates.
Karen A
10 July 2009 at 3:43 pm
Be aware that the 4% churchextension.org CD is a note and not insured by the FDIC or any other government agency. Rates may change without notice.
Pete Godbey
7 July 2009 at 7:44 am
Check churchextension.org, the Christian Church (Disciples of Christ) is offering a special CD at 4% rate on thier green account.
Judy S
6 July 2009 at 11:43 am
Opened account at Allybank.com; CD rate 2.23%; APY 2.25; 1 yr CD, as of 7/6/09; online only; no min deposit; no checking or savings acct required.
S T
3 July 2009 at 8:29 pm
Quantum Bank is not offering CDs to anyone who lives outside Georgia. 7-3-09
White Chocolate
3 July 2009 at 7:20 pm
Amboy Direct One Year CD Rate @ 2.35%
Arnie
2 July 2009 at 5:04 am
www.broadwayfederalbank.com/ Managers Special CD Rates 24 months 3.00 APR 3.05 APY
Barry
30 June 2009 at 1:40 pm
Hudson City Savings in upstate NY, Nj and Ct has 12Month cd @2.25%. No checking or anything required. Branch visit required. My son opened an account on Sat. and the employees are very helpful and friendly.
Renee
29 June 2009 at 2:22 pm
American Trust Bank CD - 15month term $5,000
Ross
29 June 2009 at 8:41 am
Looking for rates up to 1 year, not longer.
DONNA WIGHT
28 June 2009 at 8:56 pm
highest interest rates for saving and cd rate
Connie Mavity
28 June 2009 at 7:44 am
Looking for highest cd rate in idaho banks.
Erno Balogh
27 June 2009 at 4:47 am
Best ratea in local banks.
David Rothman
26 June 2009 at 8:27 am
U.S.Bank (formely Downey Savings) 4% five years Pentagon Federal Credit Union 4% five years.
Ray
25 June 2009 at 11:06 am
What are the best rates as of 6/25/09
John Stevenson
22 June 2009 at 1:34 pm
The Hanmi Bank online CD is available ONLY to California residents. It is better that this info be added to your advertisement on the Money-Rates webpage.
Mary Klugh
22 June 2009 at 2:34 am
Looking for the best rate for a $10,000 for our condo owners association
Everett Davidson
21 June 2009 at 8:57 am
WHat are the best Rates for a FDIC insured CD in Arizona
amy crist
20 June 2009 at 3:46 pm
3.7 apy and yield for 5 year jumbo (80,0000 min) at ESB Bank. see rate listed on their website
Randy
19 June 2009 at 4:35 pm
Robins Federal Credit Union is offering a 1 year CD Annual Percentage Yield is accurate as of June 18, 2009. Share Certificates & IRA Share Certificates Term Amounts Dividend Rate APY* 6 month $500 - $49,999.99 1.982% 2.000% 12 month $500 - $49,999.99 2.472% 2.500%
Ronn
18 June 2009 at 7:24 am
Look at the rates for Quantum National Bank in Suwanee, GA! They are higher than the rates posted here!






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