Find the Best Rates on Long Term CDs
Typically, the longer the term of the certificate of deposit, the higher the rate. Rates for certificates of deposit (CDs) are set by the issuing bank and updated daily. Please note that CD rates are fixed for the term of the CD and that you may be penalized for withdrawing funds before your certificate of deposit matures. Bank CDs are FDIC-insured up to $250,000 per depositor. To find best rates on CDs with maturity of over one year, use our interactive table below to select specific term and amount.
Start Your Search: Change the term length and amount to see more CD rates.
Featured Rates
| Institution | Term | Rate | APY | Min. To Earn APY | Details |

- 1.5 Yr.
2 Yr.
3 Yr. - 1.92%
2.18%
2.52% - 1.94%
2.20%
2.55% - $0
$0
$0 - Competitive rates. No monthly fees. Member FDIC.
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- Competitive rates. No monthly fees. Member FDIC.
- Rates as of Nov. 20th
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- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Discover Bank Rates as of Nov. 20th | 10 year | 3.63% | 3.70% | $2,500 | |
| Broadway Federal (CA) Rates as of Nov. 20th | 6 year | 3.50% | 3.56% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| Goldwater Bank Rates as of Nov. 20th | 5 year | 3.50% | 3.55% | $50,000 | |
| Acacia Federal Savings Bank Online Rates as of Nov. 20th | 5 year | 3.44% | 3.50% | $500 | Internet Only |
| Discover Bank Rates as of Nov. 20th | 7 year | 3.39% | 3.45% | $2,500 | |
| State Bank of India Rates as of Nov. 20th | 5 year | 3.39% | $5,000 | 5 years and above | |
| Intervest National Bank Rates as of Nov. 20th | 10 year | 3.32% | 3.37% | $2,500 | |
| DimeDirect.com Rates as of Nov. 20th | 5 year | 3.35% | $500 | ||
| Discover Bank Rates as of Nov. 20th | 5 year | 3.30% | 3.35% | $2,500 | |
| Intervest National Bank Rates as of Nov. 20th | 8 year | 3.28% | 3.33% | $2,500 | |
| Intervest National Bank Rates as of Nov. 20th | 7 year | 3.26% | 3.31% | $2,500 | |
| OneWest Bank Rates as of Nov. 20th | 5 year | 3.25% | 3.30% | $1,000 | Branch and Call Center CD Rates |
| First Internet Bank Rates as of Nov. 20th | 5 year | 3.25% | 3.30% | $1,000 | |
| Intervest National Bank Rates as of Nov. 20th | 5 year | 3.22% | 3.27% | $2,500 | |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 5 year | 3.20% | 3.25% | $500 | |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 5 year | 3.20% | 3.25% | $500 | Rate effective 11/23/2009 |
| La Jolla Bank Rates as of Nov. 20th | 5 year | 3.20% | 3.25% | $10,000 | Online account |
| E-Loan Rates as of Nov. 20th | 6 year | 3.20% | 3.25% | $10,000 | |
| Third Federal S&L Rates as of Nov. 20th | 6 year | 3.25% | $500 | ||
| OneWest Bank Rates as of Nov. 20th | 5 year | 3.15% | 3.20% | $5,000 | Online Fixed Rate CD |
| Nationwide Bank Rates as of Nov. 20th | 5 year | 3.20% | $100,000 | ||
| Nationwide Bank Rates as of Nov. 20th | 5 year | 3.15% | $500 | ||
| Ally Bank Rates as of Nov. 20th | 5 year | 3.05% | 3.10% | $1 | High-Yield CD |
| AIG Bank Rates as of Nov. 20th | 5 year | 3.00% | 3.05% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Broadway Federal (CA) Rates as of Nov. 20th | 5 year | 3.00% | 3.05% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| Interstate Net Bank Rates as of Nov. 20th | 5 year | 3.00% | 3.05% | $1,000 | |
| Centennial Bank Rates as of Nov. 20th | 5 year | 3.00% | 3.04% | $10,000 | from CentennialBank.com |
| Imperial Capital Bank Rates as of Nov. 20th | 5 year | 2.97% | 3.01% | $2,000 | iCD |
| Acacia Federal Savings Bank Online Rates as of Nov. 20th | 4 year | 2.96% | 3.00% | $500 | |
| Park National Bank Rates as of Nov. 20th | 59 month | 3.00% | 3.00% | $1,000 | Special CD - Rates may vary by location. Rates stated here are from the Chicago, IL area. |
| Colorado Federal Savings Bank Rates as of Nov. 20th | 5 year | 2.96% | 3.00% | $5,000 | Online CD |
| EverBank Rates as of Nov. 20th | 5 year | 2.96% | 3.00% | $1,500 | Yield Pledge CD |
| iGOBanking Rates as of Nov. 20th | 5 year | 2.96% | 3.00% | $1,000 | |
| Fulton Bank Rates as of Nov. 20th | 50 month | 2.96% | 3.00% | $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 |
| JPMorgan Chase Rates as of Nov. 20th | 5 year | 3.00% | $10,000 | Chase CD Special - qualifying Chase personal checking accout required, rate may vary by location | |
| Third Federal S&L Rates as of Nov. 20th | 5 year | 3.00% | $500 | ||
| Intervest National Bank Rates as of Nov. 20th | 4 year | 2.91% | 2.95% | $2,500 | |
| Heritage Bank Rates as of Nov. 20th | 5 year | 2.90% | 2.93% | $5,000 | Located in Arizona |
| First Internet Bank Rates as of Nov. 20th | 4 year | 2.86% | 2.90% | $1,000 | |
| OneWest Bank Rates as of Nov. 20th | 4 year | 2.86% | 2.90% | $1,000 | Branch and Call Center CD Rates |
| Nationwide Bank Rates as of Nov. 20th | 4 year | 2.90% | $100,000 | ||
| Virtual Bank Rates as of Nov. 20th | 5 year | 2.85% | 2.89% | $10,000 | eCD rates for online account only |
| Virtual Bank Rates as of Nov. 20th | 4 year | 2.85% | 2.89% | $10,000 | eCD rates for online account only |
| Bank of Internet Rates as of Nov. 20th | 5 year | 2.81% | 2.85% | $1,000 | |
| Nationwide Bank Rates as of Nov. 20th | 4 year | 2.85% | $500 | ||
| Acacia Federal Savings Bank Rates as of Nov. 20th | 4 year | 2.81% | 2.85% | $500 | Rate effective 11/23/2009 |
| Capital One Direct Banking Rates as of Nov. 20th | 4 year | 2.81% | 2.85% | $100,000 | Jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 4 year | 2.81% | 2.85% | $5,000 | Non-jumbo CD |
| E-Loan Rates as of Nov. 20th | 4 year | 2.76% | 2.80% | $10,000 | |
| Broadway Federal (CA) Rates as of Nov. 20th | 4 year | 2.75% | 2.79% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| Centennial Bank Rates as of Nov. 20th | 4 year | 2.75% | 2.78% | $10,000 | from CentennialBank.com |
| Ultima Bank Rates as of Nov. 20th | 5 year | 2.75% | 2.77% | $1,000 | |
| National Bank of Kansas City Rates as of Nov. 20th | 3 year | 2.71% | 2.75% | $1 | Personal CD 36 - 47 Month - open online, $5,000 to open |
| Ally Bank Rates as of Nov. 20th | 4 year | 2.71% | 2.75% | $1 | High-Yield CD |
| Third Federal S&L Rates as of Nov. 20th | 4 year | 2.75% | $500 | ||
| Discover Bank Rates as of Nov. 20th | 4 year | 2.71% | 2.75% | $2,500 | |
| DimeDirect.com Rates as of Nov. 20th | 3 year | 2.75% | $500 | ||
| Alliance Bank Rates as of Nov. 20th | 3 year | 2.72% | 2.75% | $1,000 | APY for balances up to $9,999 |
| Acacia Federal Savings Bank Online Rates as of Nov. 20th | 3 year | 2.71% | 2.75% | $500 | |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 4 year | 2.71% | 2.75% | $500 | |
| Dime Savings Bank Rates as of Nov. 20th | 3 year | 2.71% | 2.75% | $500 | |
| Salem Five Bank Rates as of Nov. 20th | 5 year | 2.72% | 2.75% | $10,000 | 60 Month Relationship CD - Gold Star Checking Account Required |
| Salem Five Bank Rates as of Nov. 20th | 5 year | 2.72% | 2.75% | $25,000 | 5 Year Callable CD - 12 Month Rate Guarantee |
| PNC Bank Rates as of Nov. 20th | 5 year | 2.72% | 2.75% | $10,000 | 60 Month Callable CD only - Promotional Rate, rate may vary by location |
| Fulton Bank Rates as of Nov. 20th | 50 month | 2.71% | 2.75% | $500 | Regular CD, rates vary by geographic location |
| Kaiser Federal Bank Rates as of Nov. 20th | 5 year | 2.71% | 2.75% | $1,000 | |
| Citibank Rates as of Nov. 20th | 5 year | 2.71% | 2.75% | $500 | Rate applys only to accounts opened online. To receive the premium rate, you must have a linked checking account in the Citigold Account Package, and the checking account must be your primary account. |
| First Trade Union Bank Rates as of Nov. 20th | 5 year | 2.72% | 2.75% | $500 | |
| US Bank Rates as of Nov. 20th | 59 month | 2.71% | 2.75% | $1,000 | CD Rate Special - Services, rates and products vary by geographic location |
| Principal Bank Rates as of Nov. 20th | 33 month | 2.70% | 2.73% | $5,000 | Special CD |
| Geauga Savings Bank Rates as of Nov. 20th | 4 year | 2.70% | 2.70% | $1,000 | Local funds only, contact retail offices in Ohio |
| Tennessee Commerce Bank Rates as of Nov. 20th | 5 year | 2.67% | 2.70% | $2,500 | |
| Umbrella Bank Rates as of Nov. 20th | 4 year | 2.66% | 2.70% | $1,000 | |
| OneWest Bank Rates as of Nov. 20th | 4 year | 2.66% | 2.70% | $5,000 | Online CD |
| Bank Mutual Rates as of Nov. 20th | 59 month | 2.70% | $25,000 | ||
| Intervest National Bank Rates as of Nov. 20th | 3 year | 2.65% | 2.68% | $2,500 | |
| Heritage Bank Rates as of Nov. 20th | 4 year | 2.64% | 2.67% | $5,000 | Located in Arizona |
| First Internet Bank Rates as of Nov. 20th | 3 year | 2.62% | 2.65% | $1,000 | |
| State Bank of India Rates as of Nov. 20th | 3 year | 2.63% | $5,000 | ||
| Discover Bank Rates as of Nov. 20th | 3 year | 2.57% | 2.60% | $2,500 | |
| New Dominion Bank Rates as of Nov. 20th | 3 year | 2.52% | 2.56% | $3,000 | |
| Ally Bank Rates as of Nov. 20th | 3 year | 2.52% | 2.55% | $1 | High-Yield CD |
| Centennial Bank Rates as of Nov. 20th | 3 year | 2.50% | 2.53% | $10,000 | from CentennialBank.com |
| Broadway Federal (CA) Rates as of Nov. 20th | 3 year | 2.50% | 2.53% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| Virtual Bank Rates as of Nov. 20th | 3 year | 2.50% | 2.53% | $10,000 | eCD rates for online account only |
| Ultima Bank Rates as of Nov. 20th | 4 year | 2.50% | 2.52% | $1,000 | |
| E-Loan Rates as of Nov. 20th | 3 year | 2.48% | 2.51% | $10,000 | |
| Imperial Capital Bank Rates as of Nov. 20th | 3 year | 2.48% | 2.51% | $2,000 | iCD |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 10 year | 2.47% | 2.50% | $20,000 | 10 Year Callable CD |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $500 | Rate effective 11/23/2009 |
| Colorado Federal Savings Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $5,000 | Online CD |
| AIG Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Emigrant Direct Rates as of Nov. 20th | 5 year | 2.50% | $1,000 | MyWay CD Internet Special - 5 year term to 10 year term available | |
| Tennessee Commerce Bank Rates as of Nov. 20th | 4 year | 2.47% | 2.50% | $2,500 | |
| H&R Block Bank Rates as of Nov. 20th | 3 year | 2.48% | 2.50% | $250 | |
| Fulton Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $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 |
| TriState Capital Bank Rates as of Nov. 20th | 3 year | 2.48% | 2.50% | $100,000 | Jumbo CD |
| Chesapeake Bank - Clear Sky Accounts Rates as of Nov. 20th | 30 month | 2.47% | 2.50% | $5,000 | |
| La Jolla Bank Rates as of Nov. 20th | 3 year | 2.42% | 2.45% | $10,000 | Online account |
| Heritage Bank Rates as of Nov. 20th | 3 year | 2.43% | 2.45% | $5,000 | Located in Arizona |
| Nationwide Bank Rates as of Nov. 20th | 3 year | 2.45% | $100,000 | ||
| Umbrella Bank Rates as of Nov. 20th | 3 year | 2.42% | 2.45% | $1,000 | |
| Capital One Direct Banking Rates as of Nov. 20th | 7 year | 2.37% | 2.40% | $100,000 | Jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 10 year | 2.37% | 2.40% | $100,000 | Jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 10 year | 2.37% | 2.40% | $5,000 | Non-jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 5 year | 2.37% | 2.40% | $5,000 | Non-jumbo CD |
| Transportation Alliance Bank Rates as of Nov. 20th | 5 year | 2.37% | 2.40% | $1,000 | |
| Valley Community Bank (IL) Rates as of Nov. 20th | 5 year | 2.38% | 2.40% | $1,000 | |
| Capital One Direct Banking Rates as of Nov. 20th | 5 year | 2.37% | 2.40% | $100,000 | Jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 7 year | 2.37% | 2.40% | $5,000 | Non-jumbo CD |
| Nationwide Bank Rates as of Nov. 20th | 3 year | 2.40% | $500 | ||
| Stonebridge Bank Rates as of Nov. 20th | 3 year | 2.40% | $500 | ||
| First Trade Union Bank Rates as of Nov. 20th | 3 year | 2.33% | 2.35% | $500 | |
| Hyde Park Savings Bank Rates as of Nov. 20th | 3 year | 2.32% | 2.35% | $500 | |
| Silvergate Bank Rates as of Nov. 20th | 5 year | 2.30% | 2.32% | $2,500 | |
| Tennessee Commerce Bank Rates as of Nov. 20th | 3 year | 2.28% | 2.30% | $2,500 | |
| La Jolla Bank Rates as of Nov. 20th | 2 year | 2.28% | 2.30% | $10,000 | Online account |
| Canandaigua National Bank and Trust Rates as of Nov. 20th | 33 month | 2.29% | $500 | Long-Term CD Special with Optimum Checking Account | |
| State Bank of India Rates as of Nov. 20th | 2 year | 2.27% | $5,000 | ||
| EverBank Rates as of Nov. 20th | 4 year | 2.23% | 2.25% | $1,500 | Yield Pledge CD |
| TriState Capital Bank Rates as of Nov. 20th | 2 year | 2.23% | 2.25% | $100,000 | Jumbo CD |
| Colorado Federal Savings Bank Rates as of Nov. 20th | 2 year | 2.23% | 2.25% | $5,000 | Online CD |
| MetLife Bank Rates as of Nov. 20th | 2 year | 2.25% | $25,000 | ||
| MetLife Bank Rates as of Nov. 20th | 5 year | 2.25% | $25,000 | ||
| EverBank Rates as of Nov. 20th | 30 month | 2.23% | 2.25% | $1,500 | Yield Pledge CD |
| MetLife Bank Rates as of Nov. 20th | 4 year | 2.25% | $25,000 | ||
| Discover Bank Rates as of Nov. 20th | 2 year | 2.23% | 2.25% | $2,500 | |
| EverBank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $1,500 | Yield Pledge CD |
| Bank of Internet Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $1,000 | Term 36 to 47 months |
| OneWest Bank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $5,000 | Online CD |
| OneWest Bank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $1,000 | Branch and Call Center CD Rates |
| MetLife Bank Rates as of Nov. 20th | 3 year | 2.25% | $25,000 | ||
| Park National Bank Rates as of Nov. 20th | 42 month | 2.25% | 2.25% | $1,000 | Special CD - Specials and rates may vary by location. Rates stated here are from the Chicago, IL area. |
| Third Federal S&L Rates as of Nov. 20th | 3 year | 2.25% | $500 | ||
| Fulton Bank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $500 | Regular CD, rates vary by geographic location |
| Centennial Bank Rates as of Nov. 20th | 2 year | 2.20% | 2.22% | $10,000 | from CentennialBank.com |
| Imperial Capital Bank Rates as of Nov. 20th | 2 year | 2.20% | 2.22% | $2,000 | iCD |
| Nexity Bank Rates as of Nov. 20th | 2 year | 2.21% | $1,000 | ||
| Capital One Direct Banking Rates as of Nov. 20th | 2 year | 2.18% | 2.20% | $100,000 | Jumbo CD |
| Greystone Bank Rates as of Nov. 20th | 3 year | 2.20% | $50,000 | ||
| AIG Bank Rates as of Nov. 20th | 2 year | 2.18% | 2.20% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Ally Bank Rates as of Nov. 20th | 2 year | 2.18% | 2.20% | $1 | High-Yield CD |
| Transportation Alliance Bank Rates as of Nov. 20th | 4 year | 2.18% | 2.20% | $1,000 | |
| Capital One Direct Banking Rates as of Nov. 20th | 2 year | 2.18% | 2.20% | $5,000 | Non-jumbo CD |
| Umbrella Bank Rates as of Nov. 20th | 2 year | 2.18% | 2.20% | $1,000 | |
| Silvergate Bank Rates as of Nov. 20th | 2 year | 2.15% | 2.17% | $2,500 | |
| E-Loan Rates as of Nov. 20th | 2 year | 2.14% | 2.16% | $10,000 | |
| Nationwide Bank Rates as of Nov. 20th | 2 year | 2.15% | $100,000 | ||
| First Internet Bank Rates as of Nov. 20th | 2 year | 2.13% | 2.15% | $1,000 | |
| MetLife Bank Rates as of Nov. 20th | 18 month | 2.15% | $25,000 | ||
| Bank of Internet Rates as of Nov. 20th | 4 year | 2.13% | 2.15% | $1,000 | Term 48 to 59 months |
| TriState Capital Bank Rates as of Nov. 20th | 2 year | 2.13% | 2.15% | $25,000 | |
| Pacific Mercantile Bank Rates as of Nov. 20th | 3 year | 2.12% | 2.14% | $10,000 | |
| Pacific Mercantile Bank Rates as of Nov. 20th | 5 year | 2.12% | 2.14% | $10,000 | |
| Pacific Mercantile Bank Rates as of Nov. 20th | 2 year | 2.12% | 2.14% | $10,000 | |
| Zions Bank Rates as of Nov. 20th | 5 year | 2.10% | 2.12% | $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. |
| Giantbank Rates as of Nov. 20th | 2 year | 2.09% | 2.11% | $2,500 | Giant Personal CD |
| Umbrella Bank Rates as of Nov. 20th | 18 month | 2.08% | 2.10% | $1,000 | |
| EverBank Rates as of Nov. 20th | 2 year | 2.08% | 2.10% | $1,500 | Yield Pledge CD |
| Third Federal S&L Rates as of Nov. 20th | 30 month | 2.10% | $500 | ||
| Nationwide Bank Rates as of Nov. 20th | 2 year | 2.10% | $500 | ||
| Metropolitan National Bank Rates as of Nov. 20th | 2 year | 2.05% | $2,500 | Rate/APY may vary by location | |
| Colorado Federal Savings Bank Rates as of Nov. 20th | 18 month | 2.03% | 2.05% | $5,000 | Online CD |
| Tennessee Commerce Bank Rates as of Nov. 20th | 2 year | 2.03% | 2.05% | $2,500 | |
| Geauga Savings Bank Rates as of Nov. 20th | 2 year | 2.05% | 2.05% | $1,000 | Local funds only, contact retail offices in Ohio |
| Century Bank Direct Rates as of Nov. 20th | 20 month | 2.05% | $1,000 | Online CD Rate | |
| Hyde Park Savings Bank Rates as of Nov. 20th | 18 month | 2.03% | 2.05% | $10,000 | Bump Rate CD Limited offer. For current rate and Bump Rate option must have mimimum of three withdrawals per statement cycle in a Triangle Interest Checking Account |
| Intervest National Bank Rates as of Nov. 20th | 2 year | 2.03% | 2.05% | $2,500 | |
| Choice Financial Rates as of Nov. 20th | 13 month | 2.05% | $5,000 | RateBuilder CD - New money only. | |
| Weymouth Bank Rates as of Nov. 20th | 5 year | 2.00% | 2.05% | $1,000 | Regular CD - South Shore Massachusetts market area |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 30 month | 2.03% | 2.05% | $500 | Rate effective 11/23/2009 |
| Virtual Bank Rates as of Nov. 20th | 2 year | 2.00% | 2.02% | $10,000 | eCD rates for online account only |
| Broadway Federal (CA) Rates as of Nov. 20th | 2 year | 2.00% | 2.02% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| Alerus Financial Rates as of Nov. 20th | 31 month | 2.01% | $2,500 | CD Special | |
| MetLife Bank Rates as of Nov. 20th | 5 year | 2.00% | $15,000 | ||
| Fulton Bank Rates as of Nov. 20th | 2 year | 1.98% | 2.00% | $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 |
| Bank of Internet Rates as of Nov. 20th | 2 year | 1.98% | 2.00% | $1,000 | Term 24 to 35 months |
| Valley Community Bank (IL) Rates as of Nov. 20th | 4 year | 1.99% | 2.00% | $1,000 | |
| HSBC Direct Rates as of Nov. 20th | 4 year | 2.00% | $10 | Online CD | |
| Salem Five Bank Rates as of Nov. 20th | 3 year | 1.98% | 2.00% | $25,000 | 3 Year Callable CD - 6 Month Rate Guarantee |
| Hyde Park Savings Bank Rates as of Nov. 20th | 16 month | 1.98% | 2.00% | $1,000 | Internet CD limited Offer |
| Citizens Bank Rates as of Nov. 20th | 3 year | 2.00% | $1,000 | Circle Gold Banking - relationship CD must have checking and savings for higher rate - contact bank for combined balance requirement. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT. | |
| MetLife Bank Rates as of Nov. 20th | 4 year | 2.00% | $15,000 | ||
| MetLife Bank Rates as of Nov. 20th | 2 year | 2.00% | $15,000 | ||
| OneWest Bank Rates as of Nov. 20th | 2 year | 1.98% | 2.00% | $1,000 | Branch and Call Center CD Rates |
| MetLife Bank Rates as of Nov. 20th | 3 year | 2.00% | $15,000 | ||
| OneWest Bank Rates as of Nov. 20th | 2 year | 1.98% | 2.00% | $5,000 | Online CD |
| Capital One Direct Banking Rates as of Nov. 20th | 3 year | 1.98% | 2.00% | $100,000 | Jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 3 year | 1.98% | 2.00% | $5,000 | Non-jumbo CD |
| Carthage Savings and Loan Association Rates as of Nov. 20th | 31 month | 1.95% | 2.00% | $500 | One time rate change option. Limited to local New York market area. |
| Valley Community Bank (IL) Rates as of Nov. 20th | 26 month | 1.98% | 2.00% | $1,000 | CD Special - $99,000 maximum, automatically renewable to 24 months |
| Bank Mutual Rates as of Nov. 20th | 13 month | 1.95% | $25,000 | 13-23 month | |
| AIG Bank Rates as of Nov. 20th | 18 month | 1.93% | 1.95% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Transportation Alliance Bank Rates as of Nov. 20th | 3 year | 1.93% | 1.95% | $1,000 | |
| Waterfield Bank Rates as of Nov. 20th | 6 year | 1.93% | 1.95% | $100,000 | |
| OnBank Rates as of Nov. 20th | 5 year | 1.95% | $500 | ||
| Discover Bank Rates as of Nov. 20th | 18 month | 1.93% | 1.95% | $2,500 | |
| Ally Bank Rates as of Nov. 20th | 18 month | 1.92% | 1.94% | $1 | High-Yield CD |
| Ultima Bank Rates as of Nov. 20th | 2 year | 1.90% | 1.91% | $1,000 | |
| Chemung Canal Trust Company Rates as of Nov. 20th | 25 month | 1.89% | 1.90% | $25,000 | New money only, limited to local New York market area |
| Century Bank Direct Rates as of Nov. 20th | 15 month | 1.90% | $1,000 | Online CD Rate | |
| TriState Capital Bank Rates as of Nov. 20th | 18 month | 1.89% | 1.90% | $25,000 | 18 - 23 month term |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 2 year | 1.88% | 1.90% | $500 | Rate effective 11/23/2009 |
| California First National Bank Rates as of Nov. 20th | 3 year | 1.88% | 1.90% | $5,000 | |
| Waterfield Bank Rates as of Nov. 20th | 5 year | 1.88% | 1.90% | $100,000 | |
| MetLife Bank Rates as of Nov. 20th | 18 month | 1.85% | $15,000 | ||
| E-Loan Rates as of Nov. 20th | 18 month | 1.83% | 1.85% | $10,000 | |
| Advanta Bank Corp Rates as of Nov. 20th | 5 year | 1.83% | 1.85% | $2,500 | If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500. |
| Zions Bank Rates as of Nov. 20th | 4 year | 1.80% | 1.81% | $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. |
| Waterfield Bank Rates as of Nov. 20th | 6 year | 1.79% | 1.81% | $25,000 | |
| Valley Community Bank (IL) Rates as of Nov. 20th | 3 year | 1.79% | 1.80% | $1,000 | |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 18 month | 1.78% | 1.80% | $500 | Rate effective 11/23/2009 |
| Kaiser Federal Bank Rates as of Nov. 20th | 2 year | 1.78% | 1.80% | $1,000 | Available term 2 Year to <3 Year |
| Weymouth Bank Rates as of Nov. 20th | 4 year | 1.75% | 1.79% | $1,000 | Regular CD - South Shore Massachusetts market area |
| Greystone Bank Rates as of Nov. 20th | 2 year | 1.76% | $50,000 | ||
| First Internet Bank Rates as of Nov. 20th | 18 month | 1.74% | 1.75% | $1,000 | |
| Valley Community Bank (IL) Rates as of Nov. 20th | 17 month | 1.74% | 1.75% | $1,000 | CD Special - $99,000 maximum, automatically renewable to 18 months |
| Fulton Bank Rates as of Nov. 20th | 2 year | 1.73% | 1.75% | $500 | Regular CD, rates vary by geographic location |
| Beverly National Bank Rates as of Nov. 20th | 2 year | 1.74% | 1.75% | $1,000 | |
| Third Federal S&L Rates as of Nov. 20th | 18 month | 1.75% | $500 | ||
| Waterfield Bank Rates as of Nov. 20th | 4 year | 1.74% | 1.75% | $100,000 | |
| Waterfield Bank Rates as of Nov. 20th | 5 year | 1.74% | 1.75% | $25,000 | |
| ING Direct Rates as of Nov. 20th | 4 year | 1.75% | $1 | ||
| Citizens Bank Rates as of Nov. 20th | 3 year | 1.75% | $1,000 | Circle Banking - relationship CD must have checking and savings for higher rate - contact bank for combined balance requirement. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT. | |
| OneWest Bank Rates as of Nov. 20th | 18 month | 1.69% | 1.70% | $1,000 | Branch and Call Center CD Rates |
| California First National Bank Rates as of Nov. 20th | 2 year | 1.69% | 1.70% | $5,000 | |
| iGOBanking Rates as of Nov. 20th | 2 year | 1.69% | 1.70% | $1,000 | |
| OneWest Bank Rates as of Nov. 20th | 18 month | 1.69% | 1.70% | $5,000 | Online CD |
| Weymouth Bank Rates as of Nov. 20th | 2 year | 1.63% | 1.66% | $1,000 | Regular CD - South Shore Massachusetts market area |
| Ultima Bank Rates as of Nov. 20th | 18 month | 1.65% | 1.66% | $1,000 | |
| EverBank Rates as of Nov. 20th | 18 month | 1.64% | 1.65% | $1,500 | Yield Pledge CD |
| Silvergate Bank Rates as of Nov. 20th | 15 month | 1.60% | 1.61% | $10,000 | CD Special |
| Principal Bank Rates as of Nov. 20th | 14 month | 1.60% | 1.61% | $5,000 | Special CD |
| Transportation Alliance Bank Rates as of Nov. 20th | 2 year | 1.59% | 1.60% | $1,000 | |
| Advanta Bank Corp Rates as of Nov. 20th | 4 year | 1.59% | 1.60% | $2,500 | If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500. |
| Waterfield Bank Rates as of Nov. 20th | 5 year | 1.49% | 1.50% | $1,000 | |
| Legacy Bank Rates as of Nov. 20th | 18 month | 1.50% | $10,000 | 18 Month Step-Up - one time option if rate goes up during term of CD you may step up to the new rate | |
| Legacy Bank Rates as of Nov. 20th | 18 month | 1.50% | $1,000 | ||
| Citizens Bank Rates as of Nov. 20th | 3 year | 1.50% | $1,000 | Standard CD - rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT | |
| 1st Source Bank Rates as of Nov. 20th | 4 year | 1.50% | $500 | Online Banking | |
| Fulton Bank Rates as of Nov. 20th | 18 month | 1.49% | 1.50% | $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 |
| ING Direct Rates as of Nov. 20th | 2 year | 1.50% | $1 | ||
| Chesapeake Bank - Clear Sky Accounts Rates as of Nov. 20th | 13 month | 1.49% | 1.50% | $5,000 | |
| Carthage Savings and Loan Association Rates as of Nov. 20th | 15 month | 1.47% | 1.50% | $500 | Limited to local New York market area |
| The Adirondack Trust Company Rates as of Nov. 20th | 2 year | 1.49% | 1.50% | $500 | |
| First Niagara Rates as of Nov. 20th | 30 month | 1.49% | 1.50% | $5,000 | eCD - open online |
| 1st Source Bank Rates as of Nov. 20th | 6 year | 1.50% | $500 | Online Banking | |
| ING Direct Rates as of Nov. 20th | 3 year | 1.50% | $1 | ||
| 1st Source Bank Rates as of Nov. 20th | 5 year | 1.50% | $500 | Online Banking | |
| Advanta Bank Corp Rates as of Nov. 20th | 42 month | 1.44% | 1.45% | $2,500 | If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500. |
| Waterfield Bank Rates as of Nov. 20th | 4 year | 1.39% | 1.40% | $1,000 | |
| Pioneer Bank Rates as of Nov. 20th | 18 month | 1.34% | 1.35% | $500 | Limited to New York market area |
| Advanta Bank Corp Rates as of Nov. 20th | 3 year | 1.34% | 1.35% | $2,500 | If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500. |
| 1st Source Bank Rates as of Nov. 20th | 3 year | 1.35% | $500 | Online Banking | |
| Waterfield Bank Rates as of Nov. 20th | 30 month | 1.34% | 1.35% | $100,000 | |
| Bank of America Rates as of Nov. 20th | 18 month | 1.34% | 1.35% | $10,000 | Opt Up CD - Option to increase your rate one time after six months. Rate offered applies to accounts opened online. Rates stated are New York Consumer rates, contact Bank of America for rates in your area. Some products may not be available in all states. |
| Waterfield Bank Rates as of Nov. 20th | 3 year | 1.34% | 1.35% | $1,000 | |
| Community Bank, NA Rates as of Nov. 20th | 2 year | 1.35% | $1,000 | 2 plus year term - Limited to New York and Pennsylvania market area. | |
| Waterfield Bank Rates as of Nov. 20th | 30 month | 1.29% | 1.30% | $25,000 | |
| HSBC Direct Rates as of Nov. 20th | 2 year | 1.30% | $10 | Online CD | |
| Beal Bank Rates as of Nov. 20th | 2 year | 1.25% | 1.26% | $1,000 | Must be opened online to get this rate. |
| Beal Bank Rates as of Nov. 20th | 4 year | 1.25% | 1.26% | $1,000 | Must be opened online to get this rate. |
| Capital One Direct Banking Rates as of Nov. 20th | 30 month | 1.24% | 1.25% | $5,000 | Non-jumbo CD |
| Waterfield Bank Rates as of Nov. 20th | 2 year | 1.24% | 1.25% | $100,000 | |
| Domestic Bank Rates as of Nov. 20th | 18 month | 1.24% | 1.25% | $500 | |
| Seacoast Commerce Bank Rates as of Nov. 20th | 2 year | 1.24% | 1.25% | $10,000 | Bank by Mail CD |
| Capital One Direct Banking Rates as of Nov. 20th | 30 month | 1.24% | 1.25% | $100,000 | Jumbo CD |
| HSBC Direct Rates as of Nov. 20th | 18 month | 1.25% | $10 | Online CD | |
| Washington Federal Bank for Savings Rates as of Nov. 20th | 13 month | 1.24% | 1.25% | $1,000 | |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 2 year | 1.24% | 1.25% | $500 | |
| Fulton Bank Rates as of Nov. 20th | 18 month | 1.24% | 1.25% | $500 | Regular CD, rates vary by geographic location |
| Zions Bank Rates as of Nov. 20th | 3 year | 1.20% | 1.21% | $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. |
| 1st Source Bank Rates as of Nov. 20th | 2 year | 1.20% | $500 | Online Banking | |
| Waterfield Bank Rates as of Nov. 20th | 2 year | 1.19% | 1.20% | $25,000 | |
| Bank USA Rates as of Nov. 20th | 2 year | 1.15% | 1.15% | $1,000 | Regular CD |
| Capital One Direct Banking Rates as of Nov. 20th | 18 month | 1.14% | 1.15% | $100,000 | Jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 18 month | 1.14% | 1.15% | $5,000 | Non-jumbo CD |
| E*Trade Bank Rates as of Nov. 20th | 5 year | 1.09% | 1.10% | $1,000 | Fixed-Rate CD |
| Advanta Bank Corp Rates as of Nov. 20th | 2 year | 1.09% | 1.10% | $2,500 | If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500 |
| Waterfield Bank Rates as of Nov. 20th | 2 year | 1.09% | 1.10% | $1,000 | |
| Waterfield Bank Rates as of Nov. 20th | 18 month | 1.09% | 1.10% | $100,000 | |
| Waterfield Bank Rates as of Nov. 20th | 18 month | 1.04% | 1.05% | $25,000 | |
| Bank USA Rates as of Nov. 20th | 18 month | 1.00% | 1.00% | $1,000 | Regular CD |
| E*Trade Bank Rates as of Nov. 20th | 4 year | 1.00% | 1.00% | $1,000 | Fixed-Rate CD |
| PNC Bank Rates as of Nov. 20th | 2 year | 1.00% | 1.00% | $1,000 | Fixed Rate CD only - rate may vary by location |
| KeyBank Rates as of Nov. 20th | 15 month | 0.90% | 0.90% | $2,500 | Key Tiered CD with Relationship Reward - you must maintain a Key Advantage, Key Privilege, or Key Privilege Select checking account. APY for balances up to $24,999.99. Rates may vary by location. Available in AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, WA |
| Zions Bank Rates as of Nov. 20th | 2 year | 0.85% | 0.85% | $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. |
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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36 Responses to "Best CD rates found by users like you"
| 1 | steve smith says on October 14, 2009 (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 |
| 2 | Lucretia Coleman says on September 01, 2009 (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. |
| 3 | james davis says on August 29, 2009 (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! |
| 4 | Dave W says on August 25, 2009 (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 |
| 5 | Dave W says on August 25, 2009 (Hinsdale, IL) Park National Bank 12 month CD 2.20% APY. Minimum deposit 1,000.00. |
| 6 | william ignatowski says on August 25, 2009 (chicago, IL) 2.20 % for 1 year Park National Bank |
| 7 | Washington Federal Bank says on August 21, 2009 (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). |
| 8 | Shel Ferdman says on August 15, 2009 (Los Angeles, CA) Check out Citibank 60mo. CD Rate |
| 9 | Nancy McIntyre says on August 13, 2009 (Camp Hill, PA) Check Susquehanna Valley Federal Credit Union |
| 10 | James Leonard says on August 12, 2009 (Placentia, CA) Looking for the best 1 year CD for $25,000. |
| 11 | royal anthony tyler says on August 10, 2009 (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. |
| 12 | Jack Brink says on August 03, 2009 (oregon city, OR) Bank of the west |
| 13 | Ann Mine says on July 25, 2009 (Roseville, CA) Umpqua Bank, 2.5%apy, 13mos, 10k min. (umpquabank.com) |
| 14 | Pamela Stratton says on July 17, 2009 (Arlington, VA) 2.65 APY at Washington First Bank in Great Falls, VA. |
| 15 | Shelley Diamond says on July 14, 2009 (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.... |
| 16 | mary says on July 14, 2009 (Ashburn, VA) 3-month CD with First Fidelity Bank in Northern Virginia for 4.01%. |
| 17 | Karen A says on July 10, 2009 (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. |
| 18 | Pete Godbey says on July 07, 2009 (Beaufort, SC) Check churchextension.org, the Christian Church (Disciples of Christ) is offering a special CD at 4% rate on thier green account. |
| 19 | Judy S says on July 06, 2009 (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. |
| 20 | S T says on July 03, 2009 (Washington, DC) Quantum Bank is not offering CDs to anyone who lives outside Georgia. 7-3-09 |
| 21 | White Chocolate says on July 03, 2009 (, NJ) Amboy Direct One Year CD Rate @ 2.35% |
| 22 | Arnie says on July 02, 2009 (, ) www.broadwayfederalbank.com/ Managers Special CD Rates 24 months 3.00 APR 3.05 APY |
| 23 | Barry says on June 30, 2009 (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. |
| 24 | Renee says on June 29, 2009 (Atlanta, GA) American Trust Bank CD - 15month term $5,000 |
| 25 | Ross says on June 29, 2009 (East Lyme, CT) Looking for rates up to 1 year, not longer. |
| 26 | DONNA WIGHT says on June 28, 2009 (ft. thomas, KY) highest interest rates for saving and cd rate |
| 27 | Connie Mavity says on June 28, 2009 (St. Maries, ID) Looking for highest cd rate in idaho banks. |
| 28 | Erno Balogh says on June 27, 2009 (Westminster, MD) Best ratea in local banks. |
| 29 | David Rothman says on June 26, 2009 (Encino, CA) U.S.Bank (formely Downey Savings) 4% five years Pentagon Federal Credit Union 4% five years. |
| 30 | Ray says on June 25, 2009 (Mason Ohio 45040, OH) What are the best rates as of 6/25/09 |
| 31 | John Stevenson says on June 22, 2009 (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. |
| 32 | Mary Klugh says on June 22, 2009 (Greenville, NC) Looking for the best rate for a $10,000 for our condo owners association |
| 33 | Everett Davidson says on June 21, 2009 (Prescott, AZ) WHat are the best Rates for a FDIC insured CD in Arizona |
| 34 | amy crist says on June 20, 2009 (pittsburgh, PA) 3.7 apy and yield for 5 year jumbo (80,0000 min) at ESB Bank. see rate listed on their website |
| 35 | Randy says on June 19, 2009 (Warner Robins, GA) Robins Federal Credit Union is offering a 1 year CD Annual Percentage Yield is accurate as of June 18, 2009. Share Certificates & IRA Share Certificates Term Amounts Dividend Rate APY* 6 month $500 - $49,999.99 1.982% 2.000% 12 month $500 - $49,999.99 2.472% 2.500% |
| 36 | Ronn says on June 18, 2009 (buford, GA) Look at the rates for Quantum National Bank in Suwanee, GA! They are higher than the rates posted here! |




