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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Advertiser Comments
- Exceptional rates, exceptional service
- Open CD online or by mail
- Division of Doral Bank, Member FDIC
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Full List of Banks
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Navy Federal Credit Union Rates as of Jun. 19th | 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 $300 - See site for membership eligibility details. |
| Northwest Savings Bank Rates as of Jun. 19th | 1 year | 1.20% | $500 | Promotion CD - only available to existing Northwest Savings Bank customers, limited to local western New York market area | |
| Farmers and Merchants National Bank Rates as of Jun. 19th | 1 year | 0.20% | 1.20% | $1,000 | 12 Month CD |
| First Mariner Bank Rates as of Jun. 19th | 1 year | 0.99% | 1.00% | $500 | Not available to residents of NY, NV, or OR - apply online |
| Doral Direct Rates as of Jun. 19th | 1 year | 0.96% | 0.96% | $500 | 12-Month CD - Internet only bank - apply online or by mail - product available to all 50 states |
| State Bank of India Rates as of Jun. 19th | 1 year | 0.95% | $5,000 | none | |
| Colorado Federal Savings Bank Rates as of Jun. 12th | 1 year | 0.95% | 0.95% | $5,000 | Online CD |
| OneWest Bank Rates as of Jun. 19th | 1 year | 0.95% | 0.95% | $1,000 | Online CD |
| Ally Bank Rates as of Jun. 19th | 1 year | 0.94% | 0.94% | $1 | High-Yield CD - Apply online |
| CIT Bank Rates as of Jun. 19th | 1 year | 0.90% | $1,000 | Term CD - apply online | |
| AloStar Bank of Commerce Rates as of Jun. 19th | 1 year | 0.90% | $1,000 | APY for balances $1,000 - $49,999 - apply online | |
| Barclays Rates as of Jun. 12th | 1 year | 0.90% | $0 | 12 Month Online CD | |
| The National Republic Bank of Chicago Rates as of Jun. 19th | 1 year | 0.90% | 0.90% | $1,000 | Online CD. |
| Nationwide Bank Rates as of Jun. 19th | 1 year | 0.90% | $500 | CD Tier $0-$9,999 | |
| Sallie Mae Bank Rates as of Jun. 19th | 1 year | 0.90% | $2,500 | Nationwide - apply online | |
| California First National Bank Rates as of Jun. 19th | 1 year | 0.87% | 0.87% | $5,000 | none |
| OneWest Bank Rates as of Jun. 19th | 1 year | 0.85% | 0.85% | $1,000 | Branch and Call Center CD Rates/Southern CA residents only |
| Discover Bank Rates as of Jun. 19th | 1 year | 0.85% | 0.85% | $2,500 | none |
| Melrose Credit Union Rates as of Jun. 19th | 1 year | 0.85% | 0.85% | $5,000 | Share Certificate - contact Melrose CU for opening paperwork |
| G E Capital Retail Bank Rates as of Jun. 19th | 1 year | 0.85% | $2,000 | CD - APY for balances between $2,000 - $14,999 | |
| First National Bank Rates as of Jun. 19th | 1 year | 0.80% | 0.80% | $1,000 | 12 Month CD - Located in Oklahoma |
| Ascencia Bank Rates as of Jun. 12th | 1 year | 0.80% | 0.80% | $500 | none |
| Amboy Direct Rates as of Jun. 19th | 1 year | 0.75% | 0.75% | $100 | eSavings CD - Earn 0.75% APY for 12 months if you maintain $10,000 balance, $100 to open |
| USAA Bank Rates as of Jun. 19th | 1 year | 0.71% | $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. | |
| Beal Bank, USA Rates as of Jun. 12th | 1 year | 0.71% | 0.71% | $1,000 | Rate may vary by location. Rate collected within: 94104 (CA) |
| Beal Bank Rates as of Jun. 12th | 1 year | 0.71% | 0.71% | $1,000 | Must be opened online to get this rate. Rate may vary by location. Rate collected within: 94104 (CA) Beal Bank, SSB |
| Transportation Alliance Bank Rates as of Jun. 19th | 1 year | 0.65% | 0.65% | $1,000 | none |
| Mile High Banks Rates as of Jun. 19th | 1 year | 0.65% | 0.65% | $1,000 | Available in Colorado Market area only |
| Grand Bank Rates as of Jun. 19th | 1 year | 0.65% | 0.65% | $1,000 | none |
| Rhinebeck Savings Bank Rates as of Jun. 19th | 1 year | 0.65% | 0.65% | $2,000 | APY on balances of $10,000 or more. |
| First State Bank of Wyoming Rates as of Jun. 19th | 1 year | 0.65% | 0.65% | $1,000 | 12 Month Relationship CD - requires a First State Bank of Wyoming checking account |
| Wings Financial Credit Union Rates as of Jun. 12th | 1 year | 0.65% | 0.65% | $500 | Quarterly APY, membership is limited to employees of the Air Transportation Industry, as well as those who live or work in select counties of the Minneapolis/St. Paul, MN, metro area |
| AmTrust Direct Rates as of Jun. 12th | 1 year | 0.60% | 0.60% | $1,000 | none |
| NewDominion Bank Rates as of Jun. 19th | 1 year | 0.59% | 0.60% | $1,000 | none |
| Vist Financial Rates as of Jun. 19th | 1 year | 0.60% | 0.60% | $500 | 12-24 month CD |
| Brunswick State Bank Rates as of Jun. 12th | 1 year | 0.60% | 0.60% | $1,000 | 12 Month CD - Limited to local Nebraska market area |
| Quantum National Bank Rates as of Jun. 19th | 1 year | 0.60% | 0.60% | $1,000 | Relationship CD - Limited to Georgia customers only |
| Metropolitan National Bank Rates as of Jun. 19th | 1 year | 0.60% | $1,000 | Rate/APY may vary by location | |
| EverBank Rates as of Jun. 19th | 1 year | 0.60% | 0.60% | $1,500 | Yield Pledge CD |
| Monument Bank Rates as of Jun. 19th | 1 year | 0.60% | 0.60% | $500 | none |
| First City Bank (firstcitybank.com) Rates as of Jun. 19th | 1 year | 0.60% | 0.60% | $1,000 | 12-17 Month CD - Located in Florida |
| First Southern State Bank Rates as of Jun. 19th | 1 year | 0.60% | 0.60% | $500 | 12 Month CD |
| Black River Country Bank Rates as of Jun. 12th | 1 year | 0.60% | 0.60% | $1,000 | none |
| Alliance Bank (alliancebank.us) Rates as of Jun. 19th | 1 year | 0.57% | 0.57% | $500 | 12 Month CD - Located in Wisconsin |
| Bank of Internet Rates as of Jun. 12th | 1 year | 0.55% | 0.55% | $1,000 | 12 Month CD |
| First National Bank of Crystal Falls Rates as of Jun. 19th | 1 year | 0.55% | 0.55% | $1,000 | 12 - 17 month CD |
| Goldwater Bank Rates as of Jun. 19th | 1 year | 0.55% | 0.55% | $5,000 | Rate collected in Arizona |
| American Express Rates as of Jun. 12th | 1 year | 0.55% | $0 | Bank by phone or online only | |
| Giantbank Rates as of Jun. 19th | 1 year | 0.55% | 0.55% | $2,500 | Giant Personal CD |
| OneUnited Bank Rates as of Jun. 19th | 1 year | 0.55% | 0.55% | $1,000 | UNITY Gold One Year E-CD - Tier $1,000 - $99,999.99 - Available Online only |
| First Community Bank of Hillsboro Rates as of Jun. 19th | 1 year | 0.55% | 0.55% | $1,000 | none |
| Hudson City (Rate in NY) Rates as of Jun. 19th | 1 year | 0.49% | 0.50% | $500 | Rate collected within: NY |
| Security State Bank Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | Rate for balances up to $100,000 - add 0.10% APY for balances of $100,000 or over - limited to Northwest Iowa market area |
| First State Bank (firststatebankky.com) Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $100 | 12 Month CD - Located in Kentucky |
| First State Bank of Wyoming Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | 12 Month CD |
| Atlas Bank Rates as of Jun. 12th | 1 year | 0.50% | 0.50% | $2,500 | Must open account in person - NY market area |
| Hudson City (Rate in CT) Rates as of Jun. 19th | 1 year | 0.49% | 0.50% | $500 | Rate collected within: CT |
| Hudson City (Rate in NJ) Rates as of Jun. 19th | 1 year | 0.49% | 0.50% | $500 | Rate collected within: NJ |
| Cathay Bank Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $2,500 | 1 Year to 23 Month CD Tier $2,500 - $49,999-Rate collected within NY |
| Beneficial Bank Rates as of Jun. 12th | 1 year | 0.50% | $500 | none | |
| South LaFourche Bank Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | 1 Year Auto Renew CD |
| Bellevue State Bank Rates as of Jun. 12th | 1 year | 0.50% | 0.50% | $2,500 | none |
| Opus Bank Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | 12 Month CD - Tiered Rates $1,000-$9,999 - Rate collected within: 94115 (CA) |
| Lytle State Bank Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $500 | none |
| First National Bank of Moose Lake Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | none |
| Pentagon Federal Credit Union Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | Money Market CD-membership is open to U.S. military |
| Geddes Federal Savings and Loan Association Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $500 | Central New York market area only |
| Union Center National Bank Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | none |
| Mountain View Bank of Commerce Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | For balances under $100,000 - must sign account documents in branch - Colorado market area |
| East Boston Savings Bank Rates as of Jun. 19th | 1 year | 0.50% | 0.50% | $1,000 | 12 month CD |
| Neighbors Credit Union Rates as of Jun. 19th | 1 year | 0.46% | 0.46% | $1,000 | none |
| Bank Gloucester Rates as of Jun. 12th | 1 year | 0.45% | 0.46% | $500 | Rate effective for balances $500 - $49,999.99 - must open account in person. |
| Community Bank (cbbristow.com) Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $2,500 | Located in Bristow, OK |
| Middlesex Savings Bank Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $250 | Penalties for early withdrawal may apply. |
| BBVA Compass (Rate in CA) Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $500 | 12 month Regular CD - Rate collected within: Northern CA |
| Warsaw Federal Savings and Loan Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $1,000 | none |
| BBVA Compass (Rate in FL) Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $500 | 12 Month Regular CD - Rate collected within: Jacksonville, FL |
| First Dakota National Bank Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $1,000 | none |
| M and T Bank (Rate in NY) Rates as of Jun. 19th | 1 year | 0.45% | $1,000 | Select Promo 12 Month CD - Requires an M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY) | |
| First State Bank of Harvey Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $1,000 | none |
| Viking Savings Bank Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $500 | 12 month CD |
| First Community Federal Credit Union Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $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. |
| Main Bank Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $1,000 | 12 Month CD |
| Sterling Bank and Trust Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $500 | CD - Rates for California and Michigan market area |
| Atlantic Coast Bank Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $1,000 | iCertificate of Deposit |
| Plains Capital Bank Rates as of Jun. 19th | 1 year | 0.45% | 0.45% | $1,000 | 1 year fixed and variable rate. A fee will be imposed for early withdrawals from CDs. Early withdrawal fees on CDs will reduce earnings. On variable rate CDs, the rate may change after the account is opened. CD rates are compounded QUARTERLY on maturities of one year or greater. CD rates under one year are compounded on maturity. |
| Ridgewood Bank Rates as of Jun. 19th | 1 year | 0.44% | 0.45% | $500 | none |
| BBVA Compass (Rate in AL) Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $500 | 12 month Regular CD - Rate collected within: Birmingham, AL |
| Citizens State Bank of Paola Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $500 | none |
| MetroBank Rates as of Jun. 19th | 1 year | 0.45% | $500 | $500 - $24,999 | |
| Boiling Springs Savings Bank Rates as of Jun. 12th | 1 year | 0.45% | 0.45% | $1,000 | 12 Month CD - Apply at a branch |
| Citizens State Bank (csbtx.com) Rates as of Jun. 12th | 1 year | 0.45% | $1,000 | Located in Texas | |
| First Savings Bank Northwest Rates as of Jun. 19th | 1 year | 0.40% | 0.41% | $1,000 | 12 month CD - tier $1,000 to $4,999 |
| Washington Savings Bank Rates as of Jun. 12th | 1 year | 0.40% | 0.41% | $500 | Must maintain a balance of at least $10 to earn the stated APY |
| Citizens Bank of Rogersville Rates as of Jun. 12th | 1 year | 0.40% | 0.40% | $1,000 | none |
| First National Bank in Cimarron Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $500 | Rate effective for balances up to $9,999.99 - tiered rates apply |
| Capital One 360 Rates as of Jun. 19th | 1 year | 0.40% | $1 | CD - 12 Month | |
| First Bank Des Moines Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $500 | 12-23 Month CD - Limited to Iowa residents only, other restrictions may apply |
| Bank of Botetourt Rates as of Jun. 12th | 1 year | 0.40% | 0.40% | $500 | none |
| The Cecilian Bank Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $1,000 | Fixed 12-month certificate - Limited to local Kentucky market area |
| Wakefield Co-operative Bank Rates as of Jun. 12th | 1 year | 0.40% | 0.40% | $500 | none |
| Ultima Bank Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $1,000 | none |
| The Jacksonville Bank Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $1,000 | 12-23 Month Terms-Rates and terms specific to accounts opened online |
| Cashmere Valley Bank Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $100 | Account must be opened at a branch - rates are for existing customers - Limited to Washington market area |
| Coppermark Bank Rates as of Apr. 24th | 1 year | 0.40% | 0.40% | $1,000 | Rate collected within Oklahoma |
| First National Bank in Philip Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $1,000 | none |
| Geauga Savings Bank Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $1,000 | Local funds only, contact retail offices in Ohio |
| American Bank and Trust Rates as of Jun. 12th | 1 year | 0.40% | 0.40% | $500 | none |
| Chemical Bank Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $100 | 12 Month Add-On - additional deposits of at least $100 allowed until maturity date |
| Coleman County State Bank Rates as of Jun. 12th | 1 year | 0.40% | 0.40% | $1,000 | Rate effective for balances up to $99,999.99 - tiered rates apply thereafter. |
| First Bank of Missouri Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $500 | 12-23 month CD - must open account in person |
| Southeast Financial Credit Union Rates as of Jun. 19th | 1 year | 0.40% | $500 | Membership is limited to select employer groups. See website for complete list of eligible employers. | |
| Think Mutual Bank Rates as of Jun. 19th | 1 year | 0.40% | 0.40% | $250 | Located in MN |
| First National Community Bank (FNCB) Rates as of Jun. 19th | 1 year | 0.37% | 0.37% | $1,000 | 12 month CD - Apply online |
| Citizens State Bank Norwood Young America Rates as of Jun. 12th | 1 year | 0.35% | 0.35% | $500 | 12 Month CD - contact bank for eligibility requirements |
| Washington Federal Rates as of Jun. 12th | 1 year | 0.35% | 0.35% | $1,000 | 12-17 month term-Balances of $1000-$89,999-account must be opened in branch. Accounts are available within: WA, OR, ID, UT, AZ, NV, TX and NM |
| Fulton Bank Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $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 |
| Zions Bank Rates as of Jun. 12th | 1 year | 0.35% | 0.35% | $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. |
| First Enterprise Bank Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $1,000 | 12 Month CD |
| Flagstar Bank Rates as of Jun. 19th | 1 year | 0.35% | $500 | 12 - 17 Month CD - Apply online - Rate collected within: 49201 (MI) | |
| Fox Chase Bank (Rate in NJ) Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $500 | 12 Month CD - Rate collected within NJ |
| West Milton State Bank Rates as of Jun. 12th | 1 year | 0.35% | 0.35% | $500 | none |
| Fulton Bank Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $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 |
| Intrust Bank Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $500 | Withdrawals will reduce earnings. Substantial penalty for early withdrawal. |
| Fox Chase Bank (Rate in PA) Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $500 | 12 Month CD - Rate collected within PA |
| First State Bank of Colfax Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $1,000 | none |
| UnionState Bank Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $500 | Alabama and Florida market area only - open in branch |
| First Green Bank Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $1,000 | Renewable CD |
| NorthSide Bank Rates as of Jun. 19th | 1 year | 0.35% | $1,000 | 12 Month CD | |
| Citizens Federal Savings and Loan Association Rates as of Jun. 12th | 1 year | 0.35% | 0.35% | $500 | 12 Month CD - Open in branch - Ohio |
| First National Bank of Groton Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $1,000 | Limited to local New York market area |
| Fort Jennings State Bank Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $500 | 12 Month CD |
| First State Bank of Forrest Rates as of Jun. 19th | 1 year | 0.35% | 0.35% | $1,000 | 12 Month CD |
| The First Bank and Trust Company of Murphysboro Rates as of Jun. 19th | 1 year | 0.31% | $1,000 | none | |
| First Community Bank (fcbwky.com) Rates as of Jun. 19th | 1 year | 0.31% | $500 | 12 Month CD - Located in Kentucky | |
| The First Central National Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $1,000 | none |
| Happy State Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $1,000 | 365 Day CD - Tier $1,000 - $10,999 - Located in TX |
| Farmington Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | Available to residents of Connecticut |
| Peoples Bank (peoplesbank-wa.com) Rates as of Jun. 19th | 1 year | 0.30% | $500 | Rate collected within: Whatcom County, WA | |
| State Farm Bank (Rate in NY) Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | 12 Month CD - Less than $100,000 - Rate collected within: 10025 (NY) |
| American Bank of Texas Rates as of Jun. 12th | 1 year | 0.30% | 0.30% | $1,000 | 12 Month CD Tier $1,000 - $9,999 - Apply online or at branch |
| Merchants Bank (mbvt.com) Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | 12-23 Month CD - Vermont market area only |
| Tompkins Trust Company Rates as of Jun. 19th | 1 year | 0.30% | $1,000 | 12-24 month CD - limited to local New York market area | |
| First Federal Savings and Loan Association of Lakewood Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | Long Term Accounts |
| Hopkins Federal Savings Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $5,000 | New accounts available for Maryland residents only - must open in person |
| Superior Savings Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | 12 Month CD - Wisconsin market area only |
| Fulton Bank of New Jersey Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | Rate collected within: 08034 (NJ) |
| Wells River Savings Rates as of Jun. 12th | 1 year | 0.30% | 0.30% | $200 | 12 Month CD |
| FNBT.COM Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $1,000 | none |
| Weymouth Bank Rates as of Jun. 12th | 1 year | 0.30% | 0.30% | $5,000 | Regular CD - South Shore Massachusetts market area |
| Avon Co-Operative Bank Rates as of Jun. 12th | 1 year | 0.30% | 0.30% | $1,000 | 12 month CD |
| First National Bank of St. Louis Rates as of Jun. 19th | 1 year | 0.30% | $1,000 | 12 month CD | |
| H&R Block Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $250 | none |
| Hillcrest Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | none |
| Allied First Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | none |
| National Bank of Kansas City Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $1 | Personal CD 12 - 23 Month - open online, $5,000 to open |
| Simsbury Bank Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $500 | 1 Year Regular CD - No minimum balance required to earn stated APY |
| Citizens Savings Bank Rates as of Jun. 12th | 1 year | 0.30% | 0.30% | $1,000 | 12 Month CD - Located in Pennsylvania |
| Central Bank Illinois Rates as of Jun. 19th | 1 year | 0.30% | 0.30% | $1,000 | 12 Month CD - less than $10,000-Rates collected in Princeton region |
| Middletown Valley Bank Rates as of May. 29th | 1 year | 0.25% | 0.25% | $1,000 | none |
| Commonwealth Community Bank Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $500 | 12 Month CD |
| Community Bank of Trenton Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $1,000 | none |
| Bank of Blue Valley Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $500 | 12-17 month CD |
| The Bank of Southern Connecticut Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | none |
| North American Savings Bank Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | 12 - 23 Month CD |
| TheBANK of Edwardsville Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | IL market area only |
| American Bank Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $1,000 | Money Market CD - Located in TX |
| United Valley Bank Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $500 | none |
| Villa Grove State Bank Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $500 | none |
| Kirkwood Bank and Trust Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | Open in branch - North Dakota |
| Third Federal Savings and Loan Rates as of Jun. 19th | 1 year | 0.25% | $500 | Apply online - Rate collected within: Adams County, Ohio | |
| Clinton State Bank Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $500 | none |
| North Dallas Bank and Trust Co. Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | Regular CD - Under $100,000 |
| Texas Capital Bank Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | none |
| Frost Bank Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | CD available online - APY for balances between $1,000 - $99,999 |
| National Exchange Bank and Trust Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | none |
| First National Bank of McConnelsville Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $500 | none |
| Northbrook Bank and Trust Company Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | 12-month fixed rate certificate - Rate effective for tier $1,000 - $49,000 |
| Zions Bank Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $1,000 | Regular CD |
| First Capital Bank of Kentucky Rates as of Jun. 19th | 1 year | 0.25% | $500 | none | |
| Commerce Bank (Rate in IL) Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $1,000 | 1 Year CD Tier - Up to $9,999 - Rate collected within: 60625 (IL) |
| Cornhusker Bank Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $1,000 | 12 Month CD |
| The First Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $500 | 12 Month CD |
| Poplar Grove State Bank Rates as of Jun. 19th | 1 year | 0.25% | 0.25% | $1,000 | none |
| Windsor Federal Savings and Loan Association Rates as of Jun. 12th | 1 year | 0.25% | 0.25% | $1,000 | none |
| The Antwerp Exchange Bank Rates as of Jun. 19th | 1 year | 0.21% | 0.21% | $500 | 12 Month CD |
| Standing Stone National Bank Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | For deposits of less than $5,000.00, interest is paid quarterly. For deposits of $5,000.00 or more, interest is paid monthly |
| Monroe Bank and Trust Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $1,000 | none |
| Citibank Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | 1 Year CD - Tier below $10,000 - Online account only - Rate collected within; NY |
| TD Bank (Rate in NY) Rates as of Jun. 19th | 1 year | 0.20% | $250 | TD Bank No Catch CD - 12 Month CD - Rate collected within: New York City NY | |
| First Bank of Colorado (Rate in AZ) Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | Time Deposit Account - Interest rate is fixed of the term for the account - Rate collected within AZ |
| Merchants Bank (merchantsbank.com) Rates as of Jun. 19th | 1 year | 0.20% | $500 | Rate collected in Apply Valley, MN | |
| Stonebridge Bank Rates as of Jun. 19th | 1 year | 0.20% | $500 | none | |
| First National Bank Omaha Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | 12 Month Base CD - Higher rates available for checking customers |
| Bank of Charles Town Rates as of Jun. 12th | 1 year | 0.20% | 0.20% | $1,000 | 12 Month CD |
| KeyBank (Rate in OH) Rates as of Jun. 19th | 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) |
| First Shore Federal Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | 12 Month CD |
| Eastern Bank Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | 12-23 Month CD |
| First Bank of Colorado (Rate in CA) Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | Time Deposit Account - Interest rate is fixed of the term for the account - Rate collected within CA |
| Citizens Trust Bank Rates as of Jun. 12th | 1 year | 0.20% | 0.20% | $500 | New customers must open in branch-limited to Georgia |
| Rabobank America Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $2,500 | 1 year - 23 month CD Tier $1,000 - $49,999.99. |
| Union Bank Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $350 | 12 - 17 Month CD - Tier $350-$999 - Rate collected within: CA |
| First Bank of Colorado (Rate in CO) Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $500 | Time Deposit Account - Interest rate is fixed of the term for the account - Rate collected within CO |
| Gate City Bank Rates as of Jun. 19th | 1 year | 0.20% | 0.20% | $1,000 | Regular CD - Rate collected within: Fargo ND |
| KeyBank (Rate in NY) Rates as of Jun. 19th | 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) |
| KeyBank (Rate in WA) Rates as of Jun. 19th | 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) |
| PNC Bank (Rate in NY) Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | 12 Month Fixed Rate CD Only - for balances between $1,000.00-$9,999.99 - Rate collected within: 10017 (NY) |
| MB Financial (Rate in IL) Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | 12-17 Month CD - Accounts under $100,000 - Rate collected within Chicago, IL |
| Harris Bank (Rate in IL) Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | 12 Month CD - These rates apply to Illinois and Northwest Indiana locations only, excluding locations in South Beloit, Rockford and St. Clair County in Illinois - Rate collected within: 60625 (IL) |
| Raymond James Bank Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | none |
| S and T Bank Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $500 | Growth / Income CD Time Deposits |
| Arvest Bank Rates as of Jun. 12th | 1 year | 0.15% | 0.15% | $1,000 | Tier $1,000 - $9,999 - Rates collected within: Fort Smith, Arkansas |
| Dollar Bank Federal Savings Bank Rates as of Jun. 19th | 1 year | 0.15% | $2,500 | Traditional Term Certificate - Available in Pennsylvania and Ohio market area - Rate collected within: 15222 (PA) | |
| Libertyville Bank and Trust Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | 12 Month CD |
| North Shore Community Bank and Trust Company Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | Fixed Rate Category - Regular Rate |
| Bank of Oklahoma Rates as of Jun. 12th | 1 year | 0.15% | 0.15% | $1,000 | 1 Year CD - Less than $100,000 |
| FirstMerit Bank Rates as of Jun. 19th | 1 year | 0.15% | $1,000 | Open in branch - Rate collected within: 60625 (IL) Tier $1,000 - $9,999.99. | |
| Citizens First Bank Rates as of Jun. 12th | 1 year | 0.15% | 0.15% | $500 | 12 Month CD Tier $500 - $9999 - Located in Wisconsin |
| Susquehanna Bank Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $500 | 12 - 17 Month Fixed Rate CD - Tier $500 - $49,999 |
| Lafayette Savings Bank Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $500 | 12 Month CD |
| CoreFirst Bank and Trust Rates as of Jun. 12th | 1 year | 0.15% | 0.15% | $1,000 | none |
| Lee County Bank and Trust, NA Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | 12 Month CD |
| Haskell National Bank Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $500 | none |
| Umpqua Bank Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $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) |
| Stifel Bank and Trust Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | Open in branch |
| Bank of The Valley Rates as of Jun. 12th | 1 year | 0.15% | 0.15% | $500 | 12 Month CD - Tier $500 - $4,999 |
| Acacia Federal Savings Bank Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $500 | Apply online |
| Bryn Mawr Trust Rates as of Jun. 12th | 1 year | 0.15% | 0.15% | $1,000 | Regular CD - Can open Online - Bank Located in PA |
| PeoplesBank (bankatpeoples.com) Rates as of Jun. 19th | 1 year | 0.15% | 0.15% | $1,000 | Located in Massachusetts |
| Citizens First Bank (citizensfb.com) Rates as of Jun. 12th | 1 year | 0.14% | 0.14% | $2,500 | Available in Florida market area |
| First Tennessee Bank Rates as of Jun. 19th | 1 year | 0.12% | $1,000 | Regular 12 Month CD - Open online | |
| First Citizens Bank Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $500 | Fixed rate CDs |
| Provident Bank (providentbanking.com) Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $500 | Regular CD - Limited to New York market area |
| Somerset Hills Bank Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $1,000 | none |
| Fulton Bank Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $2,500 | Regular CD - 12 Month Variable Rate - rates vary by geographic location. Rate collected within 10025 |
| First Federal Savings Bank of Elizabethtown Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $500 | Rate collected within: 40201 (KY) |
| Union First Market Bank Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $1,000 | CDs from $10,000 - $100,000 may compound monthly or quarterly. |
| Valley National Bank Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $500 | 12 Month CD |
| KeyBank (Rate in WA) Rates as of Jun. 19th | 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) |
| Astoria Federal Savings Bank Rates as of Jun. 12th | 1 year | 0.10% | 0.10% | $500 | Apply at a branch - New York |
| Commercial Bank and Trust of Pennsylvania Rates as of Jun. 12th | 1 year | 0.10% | 0.10% | $500 | 12-23 Month CD |
| Comerica Bank (Rate in CA) Rates as of Jun. 12th | 1 year | 0.10% | $1,000 | 1 year Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 94115 (CA) | |
| Watertown Savings Bank (watertownsavings.com) Rates as of Jun. 12th | 1 year | 0.10% | 0.10% | $1,000 | Regular CD - Located in MA |
| Provident Bank (myprovident.com) Rates as of Jun. 19th | 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 | |
| The Huntington National Bank (Rate in OH) Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $1,000 | 365 days Standard Rate CD <100K - $1,000 - $9,999 - Rate collected within: 43215 (OH) |
| Southern Bank and Trust Company Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $500 | 12-17 month CD - tier $500 to $9,999 |
| American Savings Bank Rates as of Jun. 12th | 1 year | 0.10% | $1,000 | Apply online | |
| KeyBank (Rate in NY) Rates as of Jun. 19th | 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) |
| Regions Bank Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $500 | 12 - 17 Month CD - Relationship Rate collected within: 63102 (MO) |
| KeyBank (Rate in OH) Rates as of Jun. 19th | 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) |
| Amegy Bank of Texas Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $1,000 | Personal CD |
| Charles Schwab Bank Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $1,000 | 12 Month CD Tier $1,000 - $4,999 - apply by phone |
| Amegy Bank of Texas Rates as of Jun. 19th | 1 year | 0.10% | 0.10% | $1,000 | Personal Internet CD - apply online |
| Bank of America (Rate in CA) Rates as of Jun. 12th | 1 year | 0.09% | 0.09% | $1,000 | Fixed Term CD - 12-17 Month CD - Tier Less than $10,000 - Rate collected within: CA |
| First Hawaiian Bank Rates as of Jun. 19th | 1 year | 0.08% | $1,000 | Tier $1,000 - $14,999. A penalty may be imposed for early withdrawal. APYs shown do not apply to IRA CDs or Jumbo CDs. | |
| First Midwest Bank Rates as of Jun. 19th | 1 year | 0.06% | 0.06% | $1,000 | Tier $1,000- $24,999. Minimum balance to open is $1,000. Penalty may be imposed for early withdrawal. Fees may reduce account earnings. APY assumes monthly compounding |
| Wells Fargo Bank (Rate in NY) Rates as of Jun. 12th | 1 year | 0.05% | $2,500 | Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: NY, 10025 | |
| HSBC Rates as of Jun. 19th | 1 year | 0.05% | 0.05% | $1,000 | 1 Year Plus 1 Day CD - Stated rate is for accounts opened by phone |
| Bremer Bank Rates as of Jun. 12th | 1 year | 0.05% | $500 | 12 Month CD Tier $500 - $9,999 - Apply by phone or at a branch | |
| Metro Bank (themetrobank.com) Rates as of Jun. 19th | 1 year | 0.05% | 0.05% | $500 | 1 Year CD |
| Nevada State Bank Rates as of Jun. 19th | 1 year | 0.05% | 0.05% | $1,000 | none |
| Bank of America (Rate in IL) Rates as of Jun. 12th | 1 year | 0.03% | 0.03% | $1,000 | Standard Fixed Term 12-17 Month CD - Tier Less than $10,000 - Rate collected within: IL |
| Bank of America (Rate in NY) Rates as of Jun. 12th | 1 year | 0.03% | 0.03% | $1,000 | Standard Fixed Term 12-17 Month CD - Tier Less than $10,000 - Rate collected within: NY |
| Chase (Rate in NY) Rates as of Jun. 19th | 1 year | 0.02% | 0.02% | $1,000 | 12 - 14 Month Standard CD - Non Relationship Rate - Rate collected within: 10025 (NY) |
| HSBC Advance Rates as of Jun. 19th | 1 year | 0.01% | 0.01% | $1,000 | Online only |
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 119 comments | Add your comment
Pat
7 April 2013 at 10:56 am
Checking Pentagon Federal CU website shows their 2, 3 and 7 year certificate rates are appreciably lower than you report; i.e., .99%, 1.20% and 1.50% respectively for the period 4/1-30/13.
bru
7 March 2013 at 10:17 am
Pentagon FCU CD Rates. 2y- 1.35 and 3y- 1.60
Ann King
1 January 2013 at 8:30 am
Pentagon Federal rate is actually about 2%, not 2.4+%.
Fred
24 September 2012 at 11:41 am
First National Bank of Kansas Rates as of Sep. 19th 5 year 1.99% 2.00% $500 noneWhat First National Bank of Kansas are you talking about? I have called two separate banks ( not branches ) that have this name and they don't know anything about this rate ?
Maria - MONEYRATES MODERATOR
9 September 2012 at 2:30 pm
Hi zaqxsw, Based on Doral Bank Direct's Web site the APY for the 3 year CD is 1.35% effective as of 9/9/2012. They also offer a 6 month CD earning 0.92% APY. Thank you for alerting us to the rate change, we have updated our site.
zaqxsw
9 September 2012 at 5:13 am
Doral Bank Direct 3 yr rate is incorrect. It should be 1.35% APY. Thanks for this site!
John
23 August 2012 at 7:42 pm
Used to like this website until they wasted screen space by putting this crappy facebook/twitter social bar.
Titanic Jack
9 July 2012 at 12:41 pm
Jorg Haider, Don't you mean to say 'Buy Gold and Farm property when the prices are low?' How many property owners have lost their pants recently?
S.Z.
24 May 2012 at 11:38 am
My friend has just opened a 1-year CD denominated in RMB (Chinese Currency) with Bank of China in New York, getting 2.50% APY. Minimum open balance is USD10,000 with no maximum. According to their website, the deposit is also FDIC insured.
Maria
6 April 2012 at 10:33 am
Hello S T, Thanks for bringing this to our attention. We have contacted OnBank for clarification regarding the availability of the 60 month CD. We will update the applicable product and rates as soon as we receive further information.
S T
29 March 2012 at 3:26 pm
OnBank is shown in the 5 year CD list, but, to quote the response i received, "OnBank is not opening new accounts at this time, therefore the product pages are not available."
S T
1 March 2012 at 7:47 pm
If the Monument Bank listed in 5-year CDs is the one in the Maryland-DC-Virginia area, the rates are lower than shown. As of March 1, the 60-month rate was 1.30%, not 1.98%. That discrepancy makes me think this must be another bank - where?
Aaron Burrniski
16 February 2012 at 7:28 am
The Cecilian Bank in Radcliff, Ky is offering great rates, and they are a 5 star Bauer rated bank. Yesterday, I got 2.30% on a 5 yr CD. They also offer 2.20 on 4 yr and 1.9% on 3 yr CDs. I opened locally, and don't know about the process through mail or online, but they have a website at www.thececilianbank.com with contact info.
S T Shapiro
6 February 2012 at 5:53 pm
Tennessee Commerce Bank is no more. The FDIC closed it on Jan 27. Republic Bank has taken it over, with low rates now offered.
jack
3 February 2012 at 1:16 pm
The 1 year CD rate for The Bank of the Internet is incorrect. The correct rate is .75
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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