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.
Start Your Search: Change the term length and amount to see more CD rates.
- Institution
- Term
- Rate
- APY
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Min. To
Earn APY - Details
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3 Mo.
6 Mo.
9 Mo.
-
0.74%
1.13%
1.08%
-
0.74%
1.14%
1.09%
-
$0
$0
$0
- Get our best rate with the Ally Ten Day Best Rate Guarantee.
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- Rates as of 9/5/2010
- See More Rates
- FDIC Insured
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6 Mo.
1 Yr.
1.5 Yr.
-
1.00%
1.40%
1.45%
-
1.01%
1.41%
1.46%
-
$2,500
$2,500
$2,500
- FDIC insured with no market risk. Open an account online or by phone!
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-
- Rates as of 9/5/2010
- See More Rates
- FDIC Insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Sovereign Bank Rates as of Sep. 3rd | 6 month | 2.00% | $2,500 | 6 Month CD - Limited Time Save and Invest Offer - To receive this rate you must open both this 6 Month Special CD and a 36 Month Investment CD with equal opening deposit amounts - Must be opened in person at a branch - Rate collected within: 60625 (IL) | |
| Americas Credit Union Rates as of Sep. 3rd | 6 month | 1.50% | 1.51% | $100 | Promotional CD-Veterans Family Fund Certificate-This program provides a way for anyone to assist servicemen and women by purchasing an insured six-month CD that directs half of its earned interest to benefit veterans and their families. Investors receive the other half of the interest and a tax deduction for their contribution. |
| Connexus Credit Union Rates as of Sep. 3rd | 6 month | 1.50% | $0 | 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 | |
| Fort Knox Credit Union Rates as of Sep. 3rd | 6 month | 1.40% | $500 | Membership is available, but not limited to select employer groups or those who live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria. | |
| Country Bank Rates as of Sep. 3rd | 6 month | 1.34% | 1.35% | $1,000 | Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit |
| Alerus Financial Rates as of Sep. 3rd | 6 month | 1.25% | 1.26% | $1,000 | Alerus Life CD - Alerus Life checking account with auto deposit or withdrawal required. Minimum deposit of $1,000. Automatic renewal after six months. Must be age 50 or better. |
| TriState Capital Bank Rates as of Sep. 3rd | 6 month | 1.24% | 1.25% | $25,000 | 6 - 11 month term |
| Clinton State Bank Rates as of Sep. 3rd | 6 month | 1.25% | 1.25% | $2,500 | |
| New Dominion Bank Rates as of Sep. 3rd | 6 month | 1.24% | 1.25% | $3,000 | Fixed Rate CD |
| The Stockton National Bank Rates as of Sep. 3rd | 6 month | 1.25% | 1.25% | $1,000 | |
| Mountain View Bank of Commerce Rates as of Sep. 3rd | 6 month | 1.20% | 1.21% | $1,000 | For balances under $100,000 - must sign account documents in branch - Colorado market area |
| Aurora Bank FSB Rates as of Sep. 3rd | 6 month | 1.18% | 1.19% | $1,000 | Rates effective on balances up to $4,999 |
| First Mariner Bank Rates as of Sep. 3rd | 6 month | 1.17% | 1.18% | $500 | |
| Ascencia Bank Rates as of Sep. 3rd | 6 month | 1.16% | 1.17% | $500 | |
| Nexity Bank Rates as of Sep. 3rd | 6 month | 1.17% | $1,000 | ||
| Goldwater Bank Rates as of Sep. 3rd | 6 month | 1.16% | 1.16% | $50,000 | |
| Interstate Net Bank Rates as of Sep. 3rd | 6 month | 1.15% | 1.16% | $1,000 | |
| Virtual Bank Rates as of Sep. 3rd | 6 month | 1.15% | 1.16% | $10,000 | eCD rates for online account only |
| TriState Capital Bank Rates as of Sep. 3rd | 6 month | 1.14% | 1.15% | $100,000 | Jumbo CD 6 - 11 month term |
| Black River Country Bank Rates as of Sep. 3rd | 6 month | 1.15% | 1.15% | $1,000 | |
| Bank of Oakfield Rates as of Sep. 3rd | 6 month | 1.14% | 1.15% | $500 | 6-month CD |
| Ally Bank Rates as of Sep. 3rd | 6 month | 1.13% | 1.14% | $1 | High-Yield CD |
| Giantbank Rates as of Sep. 3rd | 6 month | 1.10% | 1.11% | $2,500 | Giant Personal CD |
| 1st National Bank (fnbscott.com) Rates as of Sep. 3rd | 6 month | 1.10% | 1.11% | $250 | |
| Crossroads Bank (crossroadsbank.com) Rates as of Sep. 3rd | 6 month | 1.10% | 1.10% | $1,000 | Account must be opened in person in Effingham, IL |
| OneWest Bank Rates as of Sep. 3rd | 6 month | 1.09% | 1.10% | $1,000 | Branch and Call Center CD Rates/Southern CA residents only |
| OneWest Bank Rates as of Sep. 3rd | 6 month | 1.09% | 1.10% | $1,000 | Online CD |
| Excel National Bank Rates as of Sep. 3rd | 6 month | 1.09% | 1.10% | $10,000 | Personal CD - APY for balances under 100K |
| Valley Bank of Ronan Rates as of Sep. 3rd | 6 month | 1.05% | 1.06% | $1,000 | |
| Cashmere Valley Bank Rates as of Sep. 3rd | 6 month | 1.05% | 1.05% | $100 | |
| Brunswick State Bank Rates as of Sep. 3rd | 6 month | 1.05% | 1.05% | $2,500 | Limited to local Nebraska market area |
| Nationwide Bank Rates as of Sep. 3rd | 6 month | 1.05% | $500 | ||
| Cascade Bank Rates as of Sep. 3rd | 6 month | 1.05% | 1.05% | $1,000 | 6 month CD-tier $1,000 |
| Geauga Savings Bank Rates as of Sep. 3rd | 6 month | 1.05% | 1.05% | $1,000 | Local funds only, contact retail offices in Ohio |
| Weymouth Bank Rates as of Sep. 2nd | 6 month | 1.00% | 1.02% | $5,000 | Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area |
| AIG Bank Rates as of Sep. 3rd | 6 month | 1.00% | 1.01% | $2,500 | High Yield CD - FDIC insured with no market risk. Open an account online or by phone! |
| First State Bank of Forrest Rates as of Sep. 3rd | 6 month | 1.00% | $1,000 | 182 Day CD | |
| Discover Bank Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $2,500 | |
| Savers Bank Rates as of Sep. 3rd | 6 month | 0.98% | 1.00% | $2,500 | |
| Country Bank Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $500 | |
| First National Community Bank (FNCB) Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $1,000 | |
| North American Savings Bank Rates as of Sep. 3rd | 6 month | 0.99% | 1.00% | $1,000 | 6 - 11 Month CD |
| H&R Block Bank Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $250 | |
| The Palladian Private Bank Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $10,000 | |
| Community Bank (cbbristow.com) Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $2,500 | Located in Bristow, OK |
| The National Republic Bank of Chicago Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $1,000 | |
| Ultima Bank Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $1,000 | |
| Citizens State Bank of Paola Rates as of Sep. 3rd | 6 month | 1.00% | 1.00% | $500 | |
| Metz Banking Company Rates as of Sep. 3rd | 6 month | 0.90% | 0.90% | $2,000 | Missouri market area - must open account in person. |
| Roma Bank Rates as of Sep. 3rd | 6 month | 0.89% | 0.90% | $1,000 | Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania |
| Bellevue State Bank Rates as of Sep. 3rd | 6 month | 0.90% | 0.90% | $500 | |
| Bank of the Commonwealth Rates as of Sep. 3rd | 6 month | 0.85% | $1,000 | 6 Month Special CD - $1,000 and above | |
| Hillcrest Bank Rates as of Sep. 3rd | 6 month | 0.84% | 0.85% | $1,000 | |
| Acacia Federal Savings Bank Rates as of Sep. 3rd | 6 month | 0.85% | 0.85% | $500 | Rates effective 08/30/2010 |
| National Exchange Bank and Trust Rates as of Sep. 3rd | 6 month | 0.80% | 0.80% | $1,000 | |
| Geddes Federal Savings and Loan Association Rates as of Sep. 3rd | 6 month | 0.80% | 0.80% | $500 | Central New York market area only |
| MetroBank Rates as of Sep. 3rd | 6 month | 0.80% | 0.80% | $500 | |
| Tennessee Commerce Bank Rates as of Sep. 3rd | 6 month | 0.80% | 0.80% | $2,500 | Account available nationwide. Application available online - contact bank for more details. |
| Boiling Springs Savings Bank Rates as of Sep. 3rd | 6 month | 0.80% | 0.80% | $1,000 | 182 day CD |
| First Federal Savings Bank of Elizabethtown Rates as of Sep. 3rd | 6 month | 0.76% | 0.76% | $500 | |
| Charter Bank Rates as of Sep. 3rd | 6 month | 0.76% | 0.76% | $1,000 | |
| Watertown Savings Bank (wsbny.com) Rates as of Sep. 3rd | 6 month | 0.74% | 0.75% | $500 | Limited to Jefferson County NY |
| Eureka Homestead Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | Eureka serves customers in the metropolitan New Orleans, Louisiana area |
| The Jacksonville Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | Rates and terms specific to accounts opened online |
| Quantum National Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | Relationship CD - Limited to Georgia cutomers only |
| USAA Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | 182 Day Fixed Rate CD Tier $1,000 - $94,999 - 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. |
| Hudson City Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $500 | Rate collected within: NY |
| Legacy Bank Rates as of Sep. 3rd | 6 month | 0.75% | $10,000 | ||
| Doral Bank Direct Rates as of Sep. 3rd | 6 month | 0.74% | 0.75% | $1,000 | |
| Coppermark Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | 180 day CD-Rates Collected within Oklahoma |
| EverBank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,500 | Yield Pledge CD |
| Bank of Internet Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | Term 6 to 11 months |
| Presidential Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | 182 day term, Internet CD |
| East Boston Savings Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $2,500 | |
| Tompkins Trust Company Rates as of Sep. 3rd | 6 month | 0.75% | $1,000 | 6 - 8 month CD, limited to local New York market area | |
| Flagstar Bank Rates as of Sep. 3rd | 6 month | 0.75% | $500 | 180 - 364 Day CD - Rate collected within: 49201 (MI) | |
| Fulton Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $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 |
| Pentagon Federal Credit Union Rates as of Sep. 3rd | 6 month | 0.75% | $1,000 | Money Market CD-membership is open to U.S. military | |
| ING Direct Rates as of Sep. 3rd | 6 month | 0.75% | $1 | Orange CD | |
| First Dakota National Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | |
| First Internet Bank Rates as of Sep. 3rd | 6 month | 0.75% | 0.75% | $1,000 | |
| State Bank of India Rates as of Sep. 3rd | 6 month | 0.75% | $5,000 | ||
| Intervest National Bank Rates as of Sep. 3rd | 6 month | 0.73% | 0.73% | $2,500 | |
| Cathay Bank Rates as of Sep. 3rd | 6 month | 0.70% | 0.70% | $2,500 | 180 - 364 Day CD Tier $2,500 - $49,999 |
| Third Federal S&L Rates as of Sep. 3rd | 6 month | 0.70% | $500 | ||
| Think Mutual Bank Rates as of Sep. 3rd | 6 month | 0.70% | 0.70% | $250 | Located in MN |
| Vist Financial Rates as of Sep. 3rd | 6 month | 0.70% | 0.70% | $500 | |
| Atlantic Coast Bank Rates as of Sep. 3rd | 6 month | 0.65% | 0.65% | $1,000 | iCertificate of Deposit |
| Provident Bank (myprovident.com) Rates as of Sep. 3rd | 6 month | 0.65% | $1,000 | Time Deposit Tier $1,000 - $9,999 - Located in CA | |
| Union Center National Bank Rates as of Sep. 3rd | 6 month | 0.65% | 0.65% | $1,000 | |
| Beal Bank Rates as of Sep. 3rd | 6 month | 0.61% | 0.61% | $10,000 | Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location. |
| FultDirect.com Rates as of Sep. 3rd | 6 month | 0.60% | 0.60% | $10,000 | |
| Lake City Federal Bank Rates as of Sep. 3rd | 6 month | 0.60% | 0.60% | $1,000 | Lake City considers its trade area to be within a 30 mile radius of Lake City, MN and reserves the right to reject any deposit or application outside the trade area. |
| Sterling Bank and Trust Rates as of Sep. 3rd | 6 month | 0.60% | $500 | eCD - APY's may vary by state | |
| Happy State Bank Rates as of Sep. 3rd | 6 month | 0.60% | 0.60% | $1,000 | 180 Day CD - Tier $1,000 - $10,999 - Located in TX |
| Community Bank of Trenton Rates as of Sep. 3rd | 6 month | 0.60% | 0.60% | $1,000 | |
| The First Rates as of Sep. 3rd | 6 month | 0.60% | 0.60% | $500 | |
| E-Loan Rates as of Sep. 3rd | 6 month | 0.55% | 0.55% | $10,000 | |
| Weymouth Bank Rates as of Sep. 2nd | 6 month | 0.50% | 0.51% | $5,000 | Regular CD - South Shore Massachusetts market area |
| M and T Bank Rates as of Sep. 3rd | 6 month | 0.50% | $1,000 | Select Promo 6 Month CD - Open with new money - Requires an M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY) | |
| First Bank of Colorado (Rate in CO) Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $500 | Time Deposit Account - 182 Days- Interest rate is fixed of the term for the account - Rate collected within CO |
| First Bank of Colorado (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $500 | Time Deposit Account - 182 Days- Interest rate is fixed for the term of the account - Rate collected in CA |
| Farmington Bank Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $500 | |
| First National Bank of Chester County Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $1,000 | |
| Galion Building Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $1,000 | |
| NOVA Bank Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $500 | Fixed Rate |
| Washington Federal Bank for Savings Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $1,000 | |
| Bryn Mawr Trust Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $1,000 | Regular CD - Can open Online - Bank Located in PA |
| Merchants Bank (mbvt.com) Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $500 | 6-11 Month CD - Located in Vermont |
| Silvergate Bank Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $2,500 | Rate for balances up to $99,999 |
| AmTrust Direct Rates as of Sep. 3rd | 6 month | 0.50% | 0.50% | $1,000 | |
| First Bank of Colorado (Rate in AZ) Rates as of Sep. 4th | 6 month | 0.50% | 0.50% | $500 | Time Deposit Account - 182 Days- Interest rate is fixed for the term of the account – Rate collected within AZ |
| State Farm Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.47% | 0.47% | $500 | 6 Month CD - Less than $100,000 - Rate collected within: 60625 (IL) |
| State Farm Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.47% | 0.47% | $500 | 6 Month CD - Less than $100,000 - Rate collected within: 10025 (NY) |
| State Farm Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.47% | 0.47% | $500 | 6 Month CD - Less than $100,000 - Rate collected within: 94115 (CA) |
| Amegy Bank of Texas Rates as of Sep. 3rd | 6 month | 0.45% | 0.45% | $10,000 | Personal Internet CD - open online |
| American Bank of Texas Rates as of Sep. 3rd | 6 month | 0.45% | 0.45% | $1,000 | 182 Day CD Tier $1,000 - $9,999 - Apply online or at branch |
| TD Bank (Rate in DC) Rates as of Sep. 3rd | 6 month | 0.45% | $250 | No Catch 6 Month CD - Rate collected within: Washington DC | |
| TD Bank (Rate in FL) Rates as of Sep. 3rd | 6 month | 0.45% | $250 | No Catch 6 Month CD - Rate collected within: Florida (FL) | |
| First National Bank of St. Louis Rates as of Sep. 3rd | 6 month | 0.45% | $1,000 | 270 to 364 day CD | |
| Republic Bank of Chicago Rates as of Sep. 3rd | 6 month | 0.45% | $1,000 | ||
| TD Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.45% | $250 | No Catch 6 Month CD - Rate collected within: New York NY | |
| Alliance Bank (alliancebankna.com) Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | Tier $1,000 - $9,999 - Located in New York |
| MetLife Bank Rates as of Sep. 3rd | 6 month | 0.40% | $2,000 | APY for balances up to $14,999 | |
| North Dallas Bank and Trust Co. Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | Regular CD - Under $100,000 |
| Provident Bank (providentbanking.com) Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $500 | Regular CD - Limited to New York market area |
| Skylands Community Bank Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | Enter a new note |
| First Chicago Bank and Trust Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | |
| BBVA Compass (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $500 | 6 Month CD - Rate collected within Northern CA |
| BBVA Compass (Rate in FL) Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $500 | Rate collected within Jacksonville, FL |
| Gate City Bank Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | 182 Day Regular CD - Rate collected within: Fargo ND |
| Transportation Alliance Bank Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | |
| BBVA Compass Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $500 | 6 Month CD - Rate collected within: Northern CA |
| Webster Bank Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $2,500 | 6 Month CD Tier $2,500 - $19,999 |
| Monroe Bank and Trust Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | |
| BBVA Compass (Rate in AL) Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $500 | Rate collected within Birmingham, AL |
| CoreFirst Bank and Trust Rates as of Sep. 3rd | 6 month | 0.40% | 0.40% | $1,000 | 180 day CD |
| First Savings Bank Northwest Rates as of Sep. 3rd | 6 month | 0.35% | 0.36% | $1,000 | tier $1,000 to $4,999 |
| Pacific Mercantile Bank Rates as of Sep. 3rd | 6 month | 0.36% | 0.36% | $10,000 | |
| Fox Chase Bank (Rate in PA) Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $500 | 182 Day CD - Rate collected within PA |
| Astoria Federal Savings Bank Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $500 | |
| Valley National Bank Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $500 | 6 Month CD |
| Susquehanna Bank Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $1,000 | 6 - 11 Month Fixed Rate CD Tier $1,000 - $49,999 |
| Bank of America (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $1,000 | Standard CD 6 - 11 Months - Tier Less than $10,000 - Rate collected within: IL |
| First Federal Savings and Loan Association of Lakewood Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $500 | |
| Peoples Bank (peoplesbank-wa.com) Rates as of Sep. 3rd | 6 month | 0.35% | $500 | Rate collected within Whatcom County | |
| Fox Chase Bank (Rate in NJ) Rates as of Sep. 4th | 6 month | 0.35% | 0.35% | $500 | 182 Day CD - Rate collected within NJ |
| Bank of America (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $1,000 | Standard 180 to 364 Day CD - Tier Less than $10,000 - Rate collected within: CA |
| Citibank Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $500 | 6 Month CD - Tier below $10,000 - Online account only |
| Bank of America (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $1,000 | Standard 6-11 Month CD - Tier Less than $10,000 - Rate collected within: NY |
| American Bank Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $1,000 | Located in TX, Fixed Rate-Money Market CD with limited check writing privileges. |
| Allstate Bank Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $1,000 | Accounts can be opened with an Allstate agent or by online application |
| North Shore Community Bank and Trust Company Rates as of Sep. 3rd | 6 month | 0.35% | 0.35% | $1,000 | |
| Southern Bank and Trust Company Rates as of Sep. 3rd | 6 month | 0.30% | 0.30% | $500 | 182-364 day CD - tier $500 to $9,999 |
| Union Bank Rates as of Sep. 3rd | 6 month | 0.30% | 0.30% | $350 | 180-364 Day CD, Tier $350 - $999 |
| MB Financial (Rate in PA) Rates as of Sep. 3rd | 6 month | 0.30% | 0.30% | $1,000 | Accounts under $100,000 - Rate collected within Philadelphia, PA |
| Banterra Bank Rates as of Sep. 3rd | 6 month | 0.30% | 0.30% | $1,000 | Rate collected within: IL |
| Libertyville Bank and Trust Rates as of Sep. 3rd | 6 month | 0.30% | 0.30% | $1,000 | |
| First Tennessee Bank Rates as of Sep. 3rd | 6 month | 0.30% | $1,000 | Regular 180 Day CD - Open online | |
| MB Financial (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.30% | 0.30% | $1,000 | Accounts under $100,000 - Rate collected within Chicago, IL |
| Capital One Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $100,000 | Jumbo CD - Rate collected within: 94115 (CA) |
| Capital One Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $100,000 | Jumbo CD - Rate collected within: 60625 (IL) |
| PNC Bank Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $1,000 | 6 Month Fixed Rate CD Only - Rate collected within: 10025 (NY) |
| Capital One Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $5,000 | Non-jumbo CD - Rate collected within: 10025 (NY) |
| PeoplesBank (bankatpeoples.com) Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $1,000 | Located in Massachusetts |
| Zions Bank Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $1,000 | Regular CD |
| Capital One Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $5,000 | Non-jumbo CD - Rate collected within: 60625 (IL) |
| Capital One Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $100,000 | Jumbo CD - Rate collected within: 10025 (NY) |
| Capital One Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.25% | 0.25% | $5,000 | Non-Jumbo CD - Rate collected within: 94115 (CA) |
| Comerica Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.20% | $1,000 | 180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA) | |
| Comerica Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.20% | $1,000 | 180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 60625 (IL). | |
| Comerica Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.20% | $1,000 | 180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 10025 (NY) | |
| Comerica Bank Rates as of Sep. 3rd | 6 month | 0.20% | $1,000 | 180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA) | |
| Charles Schwab Bank Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $1,000 | 6 Month CD Tier $1,000 - $4,999 |
| Chase (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $1,000 | 6 - 8 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA) |
| Chase (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $1,000 | 6 - 8 Month Standard CD - Non relationship rate - Rate collected within: 10025 (NY) |
| Watertown Savings Bank (watertownsavings.com) Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $1,000 | Regular CD - Located in MA |
| Commerce Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $2,500 | 6 Month CD Tier - Up to $9,999 - Rate collected within: 94115 (CA) |
| Commerce Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $2,500 | 6 Month CD Tier - Up to $9,999 - Rate collected within: 60625 (IL) |
| Bank of Oklahoma Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $1,000 | 180 Day CD - Less than $100,000 |
| Commerce Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $2,500 | 6 Month CD Tier - Up to $9,999 - Rate collected within: 10025 (NY) |
| Chase (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.20% | 0.20% | $1,000 | 6 - 8 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 (IL) |
| Wachovia Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.15% | $2,500 | Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: CA | |
| Wells Fargo Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.15% | $2,500 | Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: IL | |
| The Huntington National Bank (Rate in MI) Rates as of Sep. 4th | 6 month | 0.15% | 0.15% | $1,000 | 6 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 49120 (MI) |
| The Huntington National Bank (Rate in KY) Rates as of Sep. 4th | 6 month | 0.15% | 0.15% | $1,000 | 6 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 41017 (KY) |
| The Huntington National Bank (Rate in OH) Rates as of Sep. 4th | 6 month | 0.15% | 0.15% | $1,000 | 6 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 43215 (OH) |
| Wells Fargo Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.15% | $2,500 | Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: NY | |
| The Huntington National Bank Rates as of Sep. 3rd | 6 month | 0.15% | 0.15% | $1,000 | 6 Month CD Tier $1,000 - $9,999 - Rate collected within: 43215 (OH) |
| Wachovia Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.15% | $2,500 | Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: IL | |
| Wachovia Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.15% | $2,500 | Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: NY | |
| Wells Fargo Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.15% | $2,500 | Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: CA | |
| Bremer Bank Rates as of Sep. 3rd | 6 month | 0.10% | $500 | Tiered rates - Stated rate applies to balances $500 - $9,999 | |
| HSBC Advance Rates as of Sep. 3rd | 6 month | 0.10% | $10 | Online only | |
| HSBC Rates as of Sep. 3rd | 6 month | 0.10% | $1,000 | 6 to 9 Months Less 1 Day - Stated rate is for accounts opened at an HSBC branch or by phone | |
| KeyBank Rates as of Sep. 3rd | 6 month | 0.10% | 0.10% | $2,500 | 6 Month CD Tier $2,500 - $9,999 - Without Relationship - Rate collected within: 10025 (NY) |
| Stifel Bank and Trust Rates as of Sep. 3rd | 6 month | 0.09% | 0.09% | $1,000 | |
| Harris Bank (Rate in IL) Rates as of Sep. 3rd | 6 month | 0.05% | 0.05% | $1,000 | Rate collected within: 60625 (IL) |
| Harris Bank (Rate in CA) Rates as of Sep. 3rd | 6 month | 0.05% | 0.05% | $1,000 | Rate collected within: 94115 (CA) |
| Regions Bank Rates as of Sep. 3rd | 6 month | 0.05% | 0.05% | $500 | 6 - 11 Month CD - Rate collected within: 63102 (MO) |
| Fifth Third Bank Rates as of Sep. 3rd | 6 month | 0.05% | 0.05% | $5,000 | Standard 6-12 Month CD Tier - Less than $5,000 - Rate collected within: 60625 (IL) |
| First National Bank Omaha Rates as of Sep. 3rd | 6 month | 0.05% | 0.05% | $500 | 6 Month Base CD - Higher rates available for checking customers |
| Harris Bank (Rate in NY) Rates as of Sep. 3rd | 6 month | 0.05% | 0.05% | $1,000 | Rate collected within: 10025 (NY) |
See all bank rate listings
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. Rates are subject to change without notice and may not be the same at all branches. To promote rates as part of this rate table, contact adrates@moneyrates.com
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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53 Responses to " Best CD rates found by users like you "
| 1 | Frank says on 2010-08-24 (Newington, CT) 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. |
| 2 | cyrus says on 2010-08-17 (boothbay, NY) Tidelands Bank Mt Pleasant,SC 843-284-8446 2.02 apy 7-month CD $1000 minimum new deposits ONLY no other accounts required |
| 3 | ralph glorioso says on 2010-08-14 (SANTA ROSA, CA) 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. |
| 4 | Ali A. says on 2010-07-31 (Arlington, Virginia, VA) Virginia Commerce Bank offers a one year CD at an APY oF 1.55%. |
| 5 | Lynda says on 2010-06-21 (Los angeles, CA) Union Bank current cd promotions two year 2% and three yer 2.5% |
| 6 | Gene LaBert says on 2010-06-04 (Dallas, CA) 2% at OneWest (former LaJolla Bank) in Dallas as of 12-4-10. |
| 7 | james antonucci says on 2010-05-08 (derry, NH) soveriegn bank in nh 3% at 36 months. Can I get any better? |
| 8 | mimi Shapiro says on 2010-04-23 (newport beach, CA) 2% at First Citizens bank in Corona CA |
| 9 | dirk says on 2010-04-22 (palm city fl, FL) Everbank 3.21 3.26 5 year |
| 10 | steve smith says on 2009-10-14 (Quartz hill, CA) I called Hanmi Bank northridge CA - there CD is 2.10 for a 6 to 12 month time line with a $90,000 + deposit |
| 11 | Lucretia Coleman says on 2009-09-01 (Somerdale, NJ) 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. |
| 12 | james davis says on 2009-08-29 (LA, CA) 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! |
| 13 | Dave W says on 2009-08-25 (Hinsdale, IL) Park National Bank. Any branch. (Chicago area) 12 month CD 2.20% APY. Minimum deposit 1,000.00. In person only. 8/25/09 |
| 14 | Dave W says on 2009-08-25 (Hinsdale, IL) Park National Bank 12 month CD 2.20% APY. Minimum deposit 1,000.00. |
| 15 | william ignatowski says on 2009-08-25 (chicago, IL) 2.20 % for 1 year Park National Bank |
| 16 | Washington Federal Bank says on 2009-08-21 (Chicago, IL) 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). |
| 17 | robert purcell says on 2009-08-18 (Fairview, NJ) looking for highest FDIC insured CD rates for 6months to 1 year |
| 18 | jill jones says on 2009-08-18 (dallas, TX) I would like to know the best rate around since my CD matures tomorrow! |
| 19 | Shel Ferdman says on 2009-08-15 (Los Angeles, CA) Check out Citibank 60mo. CD Rate |
| 20 | joan grooms says on 2009-08-14 (columbia, SC) 3mo. and 6mo cd rates |
| 21 | Nancy McIntyre says on 2009-08-13 (Camp Hill, PA) Check Susquehanna Valley Federal Credit Union |
| 22 | James Leonard says on 2009-08-12 (Placentia, CA) Looking for the best 1 year CD for $25,000. |
| 23 | royal anthony tyler says on 2009-08-10 (gaithersburg, MD) 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. |
| 24 | Sandra Carmen says on 2009-08-08 (Champaign, IL) To invest about $170,000 for 3 months. |
| 25 | ann peron says on 2009-08-08 (cumming, GA) need ga.rate |
| 26 | richard says on 2009-08-07 (Miami, FL) 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. |
| 27 | Jack Brink says on 2009-08-03 (oregon city, OR) Bank of the west |
| 28 | John F. Anthony says on 2009-07-31 (West Chester, PA) 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. |
| 29 | Ann Mine says on 2009-07-25 (Roseville, CA) Umpqua Bank, 2.5%apy, 13mos, 10k min. (umpquabank.com) |
| 30 | Pamela Stratton says on 2009-07-17 (Arlington, VA) 2.65 APY at Washington First Bank in Great Falls, VA. |
| 31 | Shelley Diamond says on 2009-07-14 (san francisco, CA) 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.... |
| 32 | mary says on 2009-07-14 (Ashburn, VA) 3-month CD with First Fidelity Bank in Northern Virginia for 4.01%. |
| 33 | Richman says on 2009-07-11 (West Milford, NJ) 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. |
| 34 | Karen A says on 2009-07-10 (Pittsburgh, PA) 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. |
| 35 | Pete Godbey says on 2009-07-07 (Beaufort, SC) Check churchextension.org, the Christian Church (Disciples of Christ) is offering a special CD at 4% rate on thier green account. |
| 36 | Judy S says on 2009-07-06 (Austin, TX) 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. |
| 37 | S T says on 2009-07-03 (Washington, DC) Quantum Bank is not offering CDs to anyone who lives outside Georgia. 7-3-09 |
| 38 | White Chocolate says on 2009-07-03 Amboy Direct One Year CD Rate @ 2.35% |
| 39 | Arnie says on 2009-07-02 www.broadwayfederalbank.com/ Managers Special CD Rates 24 months 3.00 APR 3.05 APY |
| 40 | Barry says on 2009-06-30 (Somers, NY) 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. |
| 41 | Renee says on 2009-06-29 (Atlanta, GA) American Trust Bank CD - 15month term $5,000 |
| 42 | Ross says on 2009-06-29 (East Lyme, CT) Looking for rates up to 1 year, not longer. |
| 43 | DONNA WIGHT says on 2009-06-28 (ft. thomas, KY) highest interest rates for saving and cd rate |
| 44 | Connie Mavity says on 2009-06-28 (St. Maries, ID) Looking for highest cd rate in idaho banks. |
| 45 | Erno Balogh says on 2009-06-27 (Westminster, MD) Best ratea in local banks. |
| 46 | David Rothman says on 2009-06-26 (Encino, CA) U.S.Bank (formely Downey Savings) 4% five years Pentagon Federal Credit Union 4% five years. |
| 47 | Ray says on 2009-06-25 (Mason Ohio 45040, OH) What are the best rates as of 6/25/09 |
| 48 | John Stevenson says on 2009-06-22 (Sarasota, FL) 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. |
| 49 | Mary Klugh says on 2009-06-22 (Greenville, NC) Looking for the best rate for a $10,000 for our condo owners association |
| 50 | Everett Davidson says on 2009-06-21 (Prescott, AZ) WHat are the best Rates for a FDIC insured CD in Arizona |
| 51 | amy crist says on 2009-06-20 (pittsburgh, PA) 3.7 apy and yield for 5 year jumbo (80,0000 min) at ESB Bank. see rate listed on their website |
| 52 | Randy says on 2009-06-19 (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% |
| 53 | Ronn says on 2009-06-18 (buford, GA) Look at the rates for Quantum National Bank in Suwanee, GA! They are higher than the rates posted here! |

