Find 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 CDs are FDIC-insured up to $250,000 per depositor.
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Featured Rates
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Quantum National Bank Rates as of Jul. 2nd | 1 year | 2.63% | 2.66% | $1,000 | At the present time Quantum National Bank CD rates are limited to Georgia customers only |
| Broadway Federal (CA) Rates as of Jul. 2nd | 1 year | 2.50% | 2.53% | $1,000 | Only available online |
| STC Capital Bank Rates as of Jul. 2nd | 6 month | 2.50% | $1 | Account available to local residents only - Main Office located in St Charles, IL. Deposits up to $25,000, additions allowed at any time. | |
| Hanmi Bank Rates as of Jul. 2nd | 1 year | 2.38% | $500 | Account only available for California state residents. Internet CD only available online. | |
| Amboy Direct Rates as of Jul. 2nd | 1 year | 2.35% | $100 | Online eSavings Time Deposit. Balances from $10,000 to $100,000 earn 2.35% (APY). New money only. Deposits can be made during first 6 months. | |
| Seacoast Commerce Bank Rates as of Jul. 2nd | 1 year | 2.25% | 2.28% | $10,000 | Internet CD |
| State Bank of India Rates as of Jul. 2nd | 1 year | 2.27% | $5,000 | ||
| New Dominion Bank Rates as of Jul. 2nd | 1 year | 2.24% | 2.26% | $3,000 | |
| Affinity Bank Online Rates as of Jul. 2nd | 1 year | 2.23% | 2.25% | $500 | Rate only available when you open account online |
| OneWest Bank (formerly IndyMac) Rates as of Jul. 3rd | 1 year | 2.23% | 2.25% | $5,000 | Online Only |
| Excel National Bank Rates as of Jul. 2nd | 1 year | 2.22% | 2.25% | $10,000 | |
| Ally Bank (formerly GMAC Bank) Rates as of Jul. 3rd | 1 year | 2.23% | 2.25% | $0 | Classic CD |
| Corus Bank Rates as of Jul. 2nd | 1 year | 2.18% | 2.20% | $10,000 | |
| Discover Bank Rates as of Jul. 3rd | 1 year | 2.18% | 2.20% | $1 | |
| Umbrella Bank Rates as of Jul. 3rd | 1 year | 2.18% | 2.20% | $1,000 | |
| eBank Rates as of Jul. 2nd | 1 year | 2.18% | 2.20% | $1,000 | |
| Ascencia Bank Rates as of Jul. 2nd | 1 year | 2.18% | 2.20% | $500 | |
| AIG Bank Rates as of Jul. 3rd | 1 year | 2.14% | 2.16% | $2,500 | FDIC insured with no market risk. Open an account online or by phone! |
| Giantbank Rates as of Jul. 2nd | 1 year | 2.14% | 2.16% | $2,500 | |
| Independence Bank Rates as of Jul. 2nd | 7 month | 2.08% | 2.10% | $1,000 | |
| La Jolla Bank Rates as of Jul. 2nd | 1 year | 2.08% | 2.10% | $10,000 | Online account |
| Nexity Bank Rates as of Jul. 2nd | 1 year | 2.10% | $1,000 | ||
| TriState Capital Bank Rates as of Jul. 2nd | 1 year | 2.08% | 2.10% | $100,000 | 12 - 17 month term |
| First Federal Direct Rates as of Jul. 2nd | 6 month | 2.05% | $10,000 | ||
| Ally Bank (formerly GMAC Bank) Rates as of Jul. 3rd | 9 month | 2.03% | 2.05% | $0 | No Penalty Certificate of Deposit - Open with $0, no fees, daily compounded interest, no fee early withdrawal after the first 6 days of funding your CD |
| Centennial Bank Rates as of Jul. 2nd | 1 year | 2.00% | 2.02% | $10,000 | from CentennialBank.com |
| TriState Capital Bank Rates as of Jul. 2nd | 1 year | 1.99% | 2.00% | $25,000 | 12 - 17 month term |
| H&R Block Bank Rates as of Jul. 2nd | 1 year | 1.99% | 2.00% | $0 | |
| Bank Mutual Rates as of Jul. 2nd | 9 month | 2.00% | $25,000 | ||
| Tennessee Commerce Bank Rates as of Jul. 2nd | 1 year | 1.98% | 2.00% | $2,500 | |
| Stonebridge Bank Rates as of Jul. 2nd | 1 year | 2.00% | $500 | ||
| EverBank Rates as of Jul. 3rd | 1 year | 1.98% | 2.00% | $1,500 | Yield Pledge CD |
| Acacia Federal Savings Bank Rates as of Jul. 2nd | 1 year | 1.98% | 2.00% | $500 | |
| Presidential Bank Rates as of Jul. 2nd | 1 year | 2.00% | $1,000 | Internet CD | |
| Nationwide Bank Rates as of Jul. 2nd | 1 year | 2.00% | $500 | ||
| HSBC Direct Rates as of Jul. 3rd | 1 year | 2.00% | $0 | Online CD | |
| E-Loan Rates as of Jul. 2nd | 1 year | 1.93% | 1.95% | $10,000 | |
| The Palladian Private Bank Rates as of Jul. 2nd | 6 month | 1.94% | 1.95% | $10,000 | |
| Silvergate Bank Rates as of Jul. 2nd | 1 year | 1.93% | 1.94% | $2,500 | |
| TriState Capital Bank Rates as of Jul. 2nd | 6 month | 1.89% | 1.90% | $100,000 | 6 - 11 month term |
| OneWest Bank (formerly IndyMac) Rates as of Jul. 3rd | 6 month | 1.88% | 1.90% | $5,000 | Online Only |
| California First National Bank Rates as of Jul. 2nd | 1 year | 1.88% | 1.90% | $5,000 | |
| Ascencia Bank Rates as of Jul. 2nd | 6 month | 1.84% | 1.86% | $500 | |
| New Dominion Bank Rates as of Jul. 2nd | 6 month | 1.83% | 1.85% | $3,000 | |
| Corus Bank Rates as of Jul. 2nd | 6 month | 1.83% | 1.85% | $10,000 | |
| AIG Bank Rates as of Jul. 3rd | 6 month | 1.79% | 1.81% | $2,500 | FDIC insured with no market risk. Open an account online or by phone! |
| Giantbank Rates as of Jul. 2nd | 6 month | 1.79% | 1.81% | $2,500 | |
| Ally Bank (formerly GMAC Bank) Rates as of Jul. 3rd | 6 month | 1.78% | 1.80% | $0 | Classic CD |
| Country Bank Rates as of Jul. 2nd | 6 month | 1.79% | 1.80% | $500 | |
| TriState Capital Bank Rates as of Jul. 2nd | 6 month | 1.79% | 1.80% | $25,000 | 6 - 11 month term |
| Imperial Capital Bank Rates as of Jul. 2nd | 6 month | 1.77% | 1.78% | $2,000 | |
| Virtual Bank Rates as of Jul. 2nd | 1 year | 1.75% | 1.77% | $10,000 | eCD rates for online account only |
| Ultima Bank Rates as of Jul. 2nd | 1 year | 1.75% | 1.76% | $1,000 | |
| Silvergate Bank Rates as of Jul. 2nd | 7 month | 1.75% | 1.76% | $10,000 | |
| eBank Rates as of Jul. 2nd | 6 month | 1.73% | 1.75% | $1,000 | |
| Third Federal S&L Rates as of Jul. 2nd | 1 year | 1.75% | $500 | ||
| OneWest Bank (formerly IndyMac) Rates as of Jul. 3rd | 9 month | 1.73% | 1.75% | $5,000 | Online Only |
| Fulton Bank Rates as of Jul. 2nd | 5 month | 1.74% | 1.75% | $500 | |
| Metropolitan National Bank Rates as of Jul. 2nd | 1 year | 1.75% | $2,500 | Rate/APY may vary by location | |
| OneUnited Bank Rates as of Jul. 2nd | 1 year | 1.75% | 1.75% | $10,000 | Unity Gold One Year E-CD |
| Presidential Bank Rates as of Jul. 2nd | 6 month | 1.75% | $1,000 | Internet CD | |
| Excel National Bank Rates as of Jul. 2nd | 6 month | 1.73% | 1.75% | $10,000 | |
| Sovereign Bank Rates as of Jul. 2nd | 1 year | 1.75% | $500 | With Premier Checking | |
| Astoria Federal Savings Bank Rates as of Jul. 2nd | 1 year | 1.73% | 1.75% | $500 | |
| Bankfirst Rates as of Jul. 2nd | 1 year | 1.73% | 1.75% | $10,000 | |
| Ally Bank (formerly GMAC Bank) Rates as of Jul. 3rd | 9 month | 1.73% | 1.75% | $0 | Classic CD |
| Bank USA Rates as of Jul. 2nd | 6 month | 1.75% | 1.75% | $1,000 | |
| Geauga Savings Bank Rates as of Jul. 2nd | 1 year | 1.75% | 1.75% | $1,000 | Geauga Savings Bank is currently not accepting non-local funds for deposit. For more information please contact retail office serving Geauga County and Eastern Cuyahoga County in Ohio. |
| Acacia Federal Savings Bank Rates as of Jul. 2nd | 9 month | 1.69% | 1.70% | $500 | |
| Flagstar Bank Rates as of Jul. 2nd | 1 year | 1.70% | $500 | 12-14 Month Internet Promotional CD. | |
| Bank of Internet Rates as of Jul. 2nd | 1 year | 1.69% | 1.70% | $1,000 | |
| Nexity Bank Rates as of Jul. 2nd | 6 month | 1.66% | $1,000 | ||
| Goldwater Bank Rates as of Jul. 2nd | 1 year | 1.59% | 1.60% | $50,000 | |
| EverBank Rates as of Jul. 3rd | 6 month | 1.59% | 1.60% | $1,500 | Yield Pledge CD |
| Ultima Bank Rates as of Jul. 2nd | 9 month | 1.60% | 1.60% | $1,000 | |
| Bank of America Rates as of Jul. 2nd | 1 year | 1.55% | $10,000 | Rate pertains to accounts opened via the internet only | |
| Weymouth Bank Rates as of Jul. 2nd | 1 year | 1.50% | 1.53% | $1,000 | |
| Pacific Mercantile Bank Rates as of Jul. 2nd | 6 month | 1.51% | 1.52% | $10,000 | |
| Principal Bank Rates as of Jul. 2nd | 7 month | 1.50% | 1.51% | $5,000 | |
| Century Bank Direct Rates as of Jul. 2nd | 10 month | 1.51% | $1,000 | Online CD Rate | |
| Zions Bank Rates as of Jul. 2nd | 1 year | 1.50% | 1.51% | $1,000 | Internet CD. |
| ING Direct Rates as of Jul. 2nd | 1 year | 1.50% | $1 | ||
| Third Federal S&L Rates as of Jul. 2nd | 6 month | 1.50% | $500 | ||
| Discover Bank Rates as of Jul. 3rd | 6 month | 1.49% | 1.50% | $1 | |
| Discover Bank Rates as of Jul. 3rd | 9 month | 1.49% | 1.50% | $1 | |
| Sterling Bank Rates as of Jul. 2nd | 1 year | 1.49% | 1.50% | $500 | |
| Beverly National Bank Online Rates as of Jul. 2nd | 6 month | 1.50% | $10,000 | Must be opened online to get this rate. | |
| Beverly National Bank Online Rates as of Jul. 2nd | 1 year | 1.50% | $10,000 | Must be opened online to get this rate. | |
| Beverly National Bank Rates as of Jul. 2nd | 1 year | 1.49% | 1.50% | $1,000 | |
| Astoria Federal Savings Bank Rates as of Jul. 2nd | 9 month | 1.49% | 1.50% | $500 | |
| MetLife Bank Rates as of Jul. 2nd | 1 year | 1.50% | $100,000 | ||
| Geauga Savings Bank Rates as of Jul. 2nd | 6 month | 1.44% | 1.45% | $1,000 | Geauga Savings Bank is currently not accepting non-local funds for deposit. For more information please contact retail office serving Geauga County and Eastern Cuyahoga County in Ohio. |
| Nationwide Bank Rates as of Jul. 2nd | 6 month | 1.45% | $500 | ||
| Amegy Bank of Texas Rates as of Jul. 2nd | 1 year | 1.44% | 1.45% | $10,000 | Internet CD |
| Century Bank Direct Rates as of Jul. 2nd | 5 month | 1.41% | $1,000 | Online CD Rate | |
| Interstate Net Bank Rates as of Jul. 2nd | 6 month | 1.40% | 1.41% | $1,000 | |
| OnBank Rates as of Jul. 2nd | 1 year | 1.40% | $500 | ||
| Ultima Bank Rates as of Jul. 2nd | 6 month | 1.40% | 1.40% | $1,000 | |
| Sovereign Bank Rates as of Jul. 2nd | 9 month | 1.40% | $500 | With Premier Checking | |
| Zions Bank Rates as of Jul. 2nd | 9 month | 1.35% | 1.36% | $1,000 | Internet CD. |
| Beal Bank Rates as of Jul. 2nd | 1 year | 1.35% | 1.36% | $1,000 | Must be opened online to get this rate. |
| Waterfield Bank Rates as of Jul. 2nd | 1 year | 1.34% | 1.35% | $1,000 | |
| Flagstar Bank Rates as of Jul. 2nd | 6 month | 1.30% | $500 | Online CD | |
| Intervest National Bank Rates as of Jul. 2nd | 6 month | 1.29% | 1.30% | $2,500 | |
| Weymouth Bank Rates as of Jul. 2nd | 6 month | 1.25% | 1.28% | $5,000 | |
| Virtual Bank Rates as of Jul. 2nd | 9 month | 1.25% | 1.26% | $10,000 | eCD rates for online account only |
| Virtual Bank Rates as of Jul. 2nd | 6 month | 1.25% | 1.26% | $10,000 | eCD rates for online account only |
| Tennessee Commerce Bank Rates as of Jul. 2nd | 6 month | 1.24% | 1.25% | $2,500 | |
| Waterfield Bank Rates as of Jul. 2nd | 9 month | 1.24% | 1.25% | $25,000 | |
| ING Direct Rates as of Jul. 1st | 6 month | 1.25% | $1 | ||
| Amegy Bank of Texas Rates as of Jul. 2nd | 6 month | 1.24% | 1.25% | $10,000 | Internet CD |
| Waterfield Bank Rates as of Jul. 2nd | 6 month | 1.24% | 1.25% | $25,000 | |
| Acacia Federal Savings Bank Rates as of Jul. 2nd | 6 month | 1.24% | 1.25% | $500 | |
| Doral Bank Direct Rates as of Jul. 2nd | 6 month | 1.24% | 1.25% | $1,000 | |
| Pacific Mercantile Bank Rates as of Jul. 2nd | 3 month | 1.20% | 1.21% | $10,000 | |
| Transportation Alliance Bank Rates as of Jul. 2nd | 6 month | 1.19% | 1.20% | $1,000 | |
| Goldwater Bank Rates as of Jul. 2nd | 6 month | 1.20% | 1.20% | $50,000 | |
| Fulton Bank Rates as of Jul. 2nd | 1 year | 1.14% | 1.15% | $2,500 | |
| KeyDirect Rates as of Jul. 2nd | 6 month | 1.14% | 1.15% | $2,500 | Rates not available to consumers in the following states: AK, CO, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT or WA. Contact bank to see what rates are available in your area. Not all accounts available in all states. |
| OneWest Bank (formerly IndyMac) Rates as of Jul. 3rd | 3 month | 1.14% | 1.15% | $5,000 | Online Only |
| Sterling Bank Rates as of Jul. 2nd | 6 month | 1.15% | 1.15% | $500 | |
| Earthstar Bank Rates as of Jul. 2nd | 6 month | 1.14% | 1.15% | $500 | |
| Zions Bank Rates as of Jul. 2nd | 6 month | 1.10% | 1.11% | $1,000 | Internet CD. |
| Astoria Federal Savings Bank Rates as of Jul. 2nd | 6 month | 1.09% | 1.10% | $500 | |
| Greystone Bank Rates as of Jul. 2nd | 1 year | 1.08% | 1.09% | $50,000 | |
| Zions Bank Rates as of Jul. 2nd | 1 year | 1.00% | 1.01% | $1,000 | Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. |
| Bankfirst Rates as of Jul. 2nd | 6 month | 1.00% | 1.00% | $10,000 | |
| FultDirect.com Rates as of Jul. 2nd | 6 month | 1.00% | 1.00% | $0 | |
| Discover Bank Rates as of Jul. 3rd | 3 month | 1.00% | 1.00% | $1 | |
| Fulton Bank Rates as of Jul. 2nd | 3 month | 1.00% | 1.00% | $2,500 | |
| Amegy Bank of Texas Rates as of Jul. 2nd | 3 month | 1.00% | 1.00% | $10,000 | Internet CD |
| Metropolitan National Bank Rates as of Jul. 2nd | 6 month | 1.00% | $2,500 | Rate/APY may vary by location | |
| First Internet Bank Rates as of Jul. 2nd | 6 month | 1.00% | 1.00% | $1,000 | |
| Fulton Bank Rates as of Jul. 2nd | 6 month | 1.00% | 1.00% | $2,500 | |
| Bank of America Rates as of Jul. 2nd | 6 month | 1.00% | $10,000 | Rate pertains to accounts opened via the internet only | |
| Zions Bank Rates as of Jul. 2nd | 6 month | 0.75% | 0.75% | $1,000 | Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. |
| Greystone Bank Rates as of Jul. 2nd | 6 month | 0.73% | 0.73% | $50,000 |
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!
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4 Responses to "Best CD rates found by users like you"
| 1 | Renee says on June 29, 2009 (Atlanta, GA) American Trust Bank CD - 15month term $5,000 |
| 2 | amy crist says on June 20, 2009 (pittsburgh, PA) 3.7 apy and yield for 5 year jumbo (80,0000 min) at ESB Bank. see rate listed on their website |
| 3 | Randy says on June 19, 2009 (Warner Robins, GA) 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% |
| 4 | Ronn says on June 18, 2009 (buford, GA) Look at the rates for Quantum National Bank in Suwanee, GA! They are higher than the rates posted here! |
