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.

 

Filter Search Results

 
  • Account Type
  • Term
  • Amount
  • Institution
  • Term
  • Rate
  • APY
  • Min. To
    Earn APY
  • Details
TermRateAPYMin. To Earn APYDetails
2 year2.43%2.45%$500Membership 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.
2 year2.13%2.15%$1,000
2 year2.08%2.10%$1,000
2 year1.98%2.00%$50024 month Relationship CD-must maintain $1,000 monthly average balance in CBS checking account and have monthly direct deposit into any CBS account.
2 year1.98%2.00%$1,00024-35 month account - rate for balances up to $24,999 - must be a member - credit union located in IL, CA, CO
2 year1.90%1.91%$1,000
2 year1.90%1.90%$1,00024 month special, expires September 2nd
2 year1.87%1.89%$1,000Term 24 to 35 months
2 year1.78%1.80%$5,000Online CD
2 year1.78%1.80%$2,500
2 year1.78%1.80%$500Rates effective 08/30/2010
2 year1.80%1.80%$1,000Local funds only, contact retail offices in Ohio
2 year1.80%$100,000
2 year1.77%1.79%$1,000Rates effective on balances up to $4,999
2 year1.76%1.78%$1Raise Your Rate CD - option to raise your rate once if Ally's rates go up during term of CD
2 year1.75%1.77%$10,000eCD rates for online account only
2 year1.75%1.76%$5,000Share Certificate - contact Melrose CU for opening paperwork
2 year1.75%1.76%$500Membership 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.
2 year1.75%1.76%$500Account must be opened in person in Effingham, IL
2 year1.75%$500
2 year1.75%1.75%$1,000
2 year1.75%$500Membership limited to those working in healthcare fields in the Saginaw, MI area, see website for details.
2 year1.74%1.75%$1,000Renewable CD
2 year1.74%1.75%$100,000Jumbo CD
2 year1.72%1.73%$2,500
2 year1.70%1.71%$2,500
2 year1.70%1.71%$1,000
2 year1.70%1.71%$2,500Limited to local Nebraska market area
2 year1.69%1.70%$5,000
2 year1.69%1.70%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
2 year1.65%1.66%$2,500Giant Personal CD
2 year1.65%$2,500Rate/APY may vary by location
2 year1.64%1.65%$500Fixed Rate
2 year1.65%1.65%$1,000Collected within Oklahoma
2 year1.65%$500(23 Month Term)Promotion CD - only available to existing customers, limited to local western New York market area
2 year1.64%1.65%$1,000Branch and Call Center CD Rates/Southern CA residents only
2 year1.64%1.65%$1,500Yield Pledge CD
2 year1.64%1.65%$500
2 year1.64%1.65%$500Central New York market area only
2 year1.64%1.65%$25,000
2 year1.64%1.65%$1,000Online CD
2 year1.64%1.65%$500Relationship 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
2 year1.60%1.61%$1,000
2 year1.59%1.60%$500
2 year1.59%1.60%$1,000
2 year1.57%$1,000
2 year1.56%$1,00024 Month CD
2 year1.50%1.51%$1,000
2 year1.51%$5,000
2 year1.49%1.50%$500
2 year1.50%$5002 Year Plus CD - Rate collected within: 10025 (NY)
2 year1.50%$500Membership is limited to select employer groups. See website for complete list of eligible employers.
2 year1.49%1.50%$10,000
2 year1.49%1.50%$1,000
2 year1.50%$1,000Money Market CD-membership is open to U.S. military
2 year1.50%1.50%$1,000
2 year1.49%1.50%$1,000
2 year1.49%1.50%$1,000
2 year1.49%1.50%$50024-35 month CD
2 year1.49%1.50%$1,000Rates and terms specific to accounts opened online
2 year1.49%1.50%$25,00025 Month CD-New money only, limited to local New York market area
2 year1.49%1.50%$1,000iCertificate of Deposit
2 year1.47%1.48%$1,000
2 year1.45%1.46%$1,00024 Month CD
2 year1.45%1.46%$500
2 year1.45%1.46%$300
2 year1.44%1.45%$500
2 year1.45%$25,000APY for balances up to $49,999
2 year1.40%1.41%$1,000
2 year1.40%1.41%$500Rate effective for balances up to $10,000 - tiered rates apply
2 year1.40%1.40%$500
2 year1.39%1.40%$500Regular CD, rates vary by geographic location. Rate collected within 10025
2 year1.34%1.35%$5,000CD Special, must open in person at branch.
2 year1.30%1.31%$2,500Rate for balances up to $99,999
2 year1.30%$15,000APY for balances up to $24,999
2 year1.29%1.30%$500
2 year1.25%1.26%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account. Located in CA.
2 year1.25%1.26%$2,50024-35 month term. $24,999 max deposit
2 year1.24%1.25%$500Available in Rhode Island and Massachusetts
2 year1.24%1.25%$1,000Located in Tennessee
2 year1.24%1.25%$1,000
2 year1.24%1.25%$1,000
2 year1.25%$10,000Bank by Mail CD
2 year1.20%1.21%$1,000Rate effective for balances up to $99,999.99 - tiered rates apply thereafter.
2 year1.19%1.20%$1,000
2 year1.20%$500Online Banking
2 year1.13%1.15%$1,000Regular CD - South Shore Massachusetts market area
2 year1.10%1.11%$2,5002 Year-35 months CD Tier $2,500 - $49,999
2 year1.09%1.10%$1,000Accounts can be opened with an Allstate agent or by online application
2 year1.10%$1Orange CD
2 year1.05%1.05%$500
2 year1.00%1.00%$500
2 year1.50%1.00%$1,00024 - 29 month CD
2 year1.00%$1,0002 plus year term - Limited to New York and Pennsylvania market area.
2 year1.00%1.00%$1,000Tier $1,000 - $9,999 - Located in New York
2 year0.90%0.90%$50024 month CD
2 year0.90%0.90%$500
2 year0.75%0.75%$100,000Jumbo CD - Rate collected within: 60625 (IL)
2 year0.75%0.75%$5,000Non-Jumbo CD - Rate collected within: 60625 (IL)
2 year0.75%0.75%$100,000Jumbo CD - Rate collected within: 10025 (NY)
2 year0.75%0.75%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
2 year0.75%0.75%$5,000Non-Jumbo CD - Rate collected within: 10025 (NY)
2 year0.75%0.75%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
2 year0.75%0.75%$100,000Jumbo CD - Rate collected within: 94115 (CA)
2 year0.50%$1,0002 to 4 Years Less 1 Day - Stated rate is for accounts opened at an HSBC branch or by phone
2 year0.50%$10Online only
2 year0.50%0.50%$50,000

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!

Submit your comment:

53 Responses to " Best CD rates found by users like you "

1Frank 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.

2cyrus 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

3ralph 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.

4Ali A. says on 2010-07-31
(Arlington, Virginia, VA)

Virginia Commerce Bank offers a one year CD at an APY oF 1.55%.

5Lynda says on 2010-06-21
(Los angeles, CA)

Union Bank current cd promotions two year 2% and three yer 2.5%

6Gene LaBert says on 2010-06-04
(Dallas, CA)

2% at OneWest (former LaJolla Bank) in Dallas as of 12-4-10.

7james antonucci says on 2010-05-08
(derry, NH)

soveriegn bank in nh 3% at 36 months. Can I get any better?

8mimi Shapiro says on 2010-04-23
(newport beach, CA)

2% at First Citizens bank in Corona CA

9dirk says on 2010-04-22
(palm city fl, FL)

Everbank 3.21 3.26 5 year

10steve 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

11Lucretia 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.

12james 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!

13Dave 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

14Dave W says on 2009-08-25
(Hinsdale, IL)

Park National Bank 12 month CD 2.20% APY. Minimum deposit 1,000.00.

15william ignatowski says on 2009-08-25
(chicago, IL)

2.20 % for 1 year Park National Bank

16Washington 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).

17robert purcell says on 2009-08-18
(Fairview, NJ)

looking for highest FDIC insured CD rates for 6months to 1 year

18jill jones says on 2009-08-18
(dallas, TX)

I would like to know the best rate around since my CD matures tomorrow!

19Shel Ferdman says on 2009-08-15
(Los Angeles, CA)

Check out Citibank 60mo. CD Rate

20joan grooms says on 2009-08-14
(columbia, SC)

3mo. and 6mo cd rates

21Nancy McIntyre says on 2009-08-13
(Camp Hill, PA)

Check Susquehanna Valley Federal Credit Union

22James Leonard says on 2009-08-12
(Placentia, CA)

Looking for the best 1 year CD for $25,000.

23royal 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.

24Sandra Carmen says on 2009-08-08
(Champaign, IL)

To invest about $170,000 for 3 months.

25ann peron says on 2009-08-08
(cumming, GA)

need ga.rate

26richard 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.

27Jack Brink says on 2009-08-03
(oregon city, OR)

Bank of the west

28John 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.

29Ann Mine says on 2009-07-25
(Roseville, CA)

Umpqua Bank, 2.5%apy, 13mos, 10k min. (umpquabank.com)

30Pamela Stratton says on 2009-07-17
(Arlington, VA)

2.65 APY at Washington First Bank in Great Falls, VA.

31Shelley 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....

32mary says on 2009-07-14
(Ashburn, VA)

3-month CD with First Fidelity Bank in Northern Virginia for 4.01%.

33Richman 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.

34Karen 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.

35Pete 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.

36Judy 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.

37S T says on 2009-07-03
(Washington, DC)

Quantum Bank is not offering CDs to anyone who lives outside Georgia. 7-3-09

38White Chocolate says on 2009-07-03

Amboy Direct One Year CD Rate @ 2.35%

39Arnie says on 2009-07-02

www.broadwayfederalbank.com/ Managers Special CD Rates 24 months 3.00 APR 3.05 APY

40Barry 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.

41Renee says on 2009-06-29
(Atlanta, GA)

American Trust Bank CD - 15month term $5,000

42Ross says on 2009-06-29
(East Lyme, CT)

Looking for rates up to 1 year, not longer.

43DONNA WIGHT says on 2009-06-28
(ft. thomas, KY)

highest interest rates for saving and cd rate

44Connie Mavity says on 2009-06-28
(St. Maries, ID)

Looking for highest cd rate in idaho banks.

45Erno Balogh says on 2009-06-27
(Westminster, MD)

Best ratea in local banks.

46David Rothman says on 2009-06-26
(Encino, CA)

U.S.Bank (formely Downey Savings) 4% five years Pentagon Federal Credit Union 4% five years.

47Ray says on 2009-06-25
(Mason Ohio 45040, OH)

What are the best rates as of 6/25/09

48John 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.

49Mary Klugh says on 2009-06-22
(Greenville, NC)

Looking for the best rate for a $10,000 for our condo owners association

50Everett Davidson says on 2009-06-21
(Prescott, AZ)

WHat are the best Rates for a FDIC insured CD in Arizona

51amy 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

52Randy 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%

53Ronn 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!

See all comments

Advertise here

Powered by MoneyRates.com


Basic Guides
See more basic guides >>
Quick Links
  • CD Rates - Short
    FDIC-insured certificates of deposit with terms from 7 days to one year.
  • CD Rates - Long
    FDIC-insured certificates of deposit with terms longer than one year.
  • Indexed CDs
    FDIC-insured certificates of deposit with rates which are variable during the term of the CD.