Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

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.

 Account Type

2 Yr. Term
$25000 Minimum to earn APY


Rates as of 12/19/2014
FDIC Insured

Advertiser Comments

  • Member FDIC
  • Synchrony Bank was formerly GE Capital Retail Bank
  • Balances from $2,000-$24,999 earn 1.20% APY; $25,000-$49,999 earn 1.25% APY; $50,000+ earn 1.30% APY

See more rates

2 Yr. Term
$0 Minimum to earn APY


Rates as of 12/19/2014
FDIC Insured

Advertiser Comments

  • Get our best rate with the Ally Ten Day Best Rate Guarantee.
  • Open and fund with any amount.
  • Member FDIC.

See more rates

Full List of Banks

InstitutionTermRateAPYMin. To
Earn APY
Melrose Credit Union
Rates as of Dec. 16th
2 year1.40%1.41%$5,000Share Certificate - contact Melrose CU for opening paperwork - Must be a member
CIT Bank
Rates as of Dec. 17th
2 year1.35%$25,000Ramp-Up Plus CD - Option to increase your rate once during CD term - The maximum deposit to RampUp accounts with an original maturity of more than two years is $250,000 - Apply online
Nationwide Bank
Rates as of Dec. 16th
2 year1.33%$50024 Month CD - for balances in Tier $0-$9,999
California First National Bank
Rates as of Dec. 17th
2 year1.29%1.30%$5,000none
Connexus Credit Union
Rates as of Dec. 17th
2 year1.30%$10,000Rate 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
Colorado Federal Savings Bank
Rates as of Dec. 17th
2 year1.24%1.25%$5,000Online CD
Ally Bank
Rates as of Dec. 17th
2 year1.24%1.25%$0Raise Your Rate CD - Option to raise your rate once if Ally's rates go up during term of CD - Apply online - Rate collected within: CA
First Internet Bank
Rates as of Dec. 17th
2 year1.24%1.25%$1,00024 month CD
CIT Bank
Rates as of Dec. 17th
2 year1.25%$1,000Term CD - Apply online
Virtual Bank
Rates as of Dec. 17th
2 year1.15%1.16%$10,000eCD rates for online account only
Rates as of Dec. 17th
2 year1.14%1.15%$024 Month Online CD
Discover Bank
Rates as of Dec. 17th
2 year1.14%1.15%$2,50024 Month CD
Rates as of Dec. 16th
2 year1.10%1.11%$2,500Giant Personal CD
Country Heritage Credit Union
Rates as of Dec. 17th
2 year1.10%1.11%$1,00024 month CD - Rates negotiable for balances over $100K-Membership open to those working in the agricultural fields or living in an agricultural community. See website for details.
Biscayne Bank
Rates as of Dec. 17th
2 year1.10%$20,00024 Month CD Time Deposit Account - APY for balances between $20,000 to $99,999 - Miami-Dade County, Florida market area only
Alliant Credit Union
Rates as of Dec. 17th
2 year1.09%1.10%$1,000Share 24-35 Month CD - Tier Up To $24,999 - must be a member - credit union located in IL, CA, CO
Geauga Savings Bank
Rates as of Dec. 16th
2 year1.05%1.05%$1,000Local funds only, contact retail offices in Ohio
AloStar Bank of Commerce
Rates as of Dec. 17th
2 year1.05%$1,000APY for balances $1,000 - $49,999 - apply online
Rates as of Dec. 17th
2 year1.02%1.03%$1,500Yield Pledge CD
Transportation Alliance Bank
Rates as of Dec. 17th
2 year1.00%1.01%$1,00024 Month CD
State Bank of India
Rates as of Dec. 17th
2 year1.00%$5,000Certificate of Deposit Accounts, New York Branch
OneWest Bank
Rates as of Dec. 16th
2 year1.00%1.00%$1,000Online CD
Country Bank
Rates as of Dec. 17th
2 year1.00%1.00%$500none
Rates as of Dec. 17th
2 year1.00%1.00%$10,000none
Security Service Federal Credit Union
Rates as of Dec. 17th
2 year0.95%0.95%$500Tiered interest rate - balances between $500 and $25,000 - must be a member and reside in Texas, Colorado or Utah - apply online - Rate collected within: 78203 (TX)
Pacific Mercantile Bank
Rates as of Dec. 17th
2 year0.93%0.93%$1,000none
Rates as of Dec. 17th
2 year0.91%$1,0003 Year 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.
The Jacksonville Bank
Rates as of Dec. 17th
2 year0.90%0.90%$1,00024-35 Month Terms-Rates and terms specific to accounts opened online
Gulf Winds Federal Credit Union
Rates as of Dec. 16th
2 year0.90%0.90%$50024 Month Term Share Certificate
Brunswick State Bank
Rates as of Dec. 17th
2 year0.85%0.85%$1,00024 Month CD - Limited to local Nebraska market area
Washington Federal
Rates as of Dec. 17th
2 year0.85%0.85%$1,00024-35 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
Black River Country Bank
Rates as of Dec. 17th
2 year0.80%0.80%$1,000none
Pentagon Federal Credit Union
Rates as of Dec. 17th
2 year0.80%0.80%$1,000Money Market Certificates - membership is open to U.S. military
Blue Hills Bank
Rates as of Dec. 17th
2 year0.80%0.80%$5002 Year CD - $10 minimum to earn stated APY - Apply online - must live or work in Eastern Massachusetts
Ultima Bank
Rates as of Dec. 17th
2 year0.80%0.80%$1,00024 month
Atlantic Coast Bank
Rates as of Dec. 17th
2 year0.76%0.76%$1,000iCertificate of Deposit
Metropolitan National Bank
Rates as of Dec. 16th
2 year0.75%$1,00024 Month CD - Rate/APY may vary by location
American Eagle Bank of Chicago
Rates as of Dec. 17th
2 year0.75%$1,000Standard CD - Account available to local market area of Chicago, IL
Merrimac Savings Bank
Rates as of Dec. 16th
2 year0.75%0.75%$50024 month CD
Bank of Internet
Rates as of Dec. 17th
2 year0.70%0.70%$1,00024 Month CD
Southeast Financial Credit Union
Rates as of Dec. 17th
2 year0.70%$500Membership is limited to select employer groups. See website for complete list of eligible employers.
Cathay Bank
Rates as of Dec. 17th
2 year0.70%0.70%$2,5002 Year to 35 Month CD - Tier $2,500 - $49,999-Rate collected within NY
American Express
Rates as of Dec. 17th
2 year0.70%$024 month CD. Bank by phone or online only
The Cecilian Bank
Rates as of Dec. 17th
2 year0.60%0.60%$1,000Fixed 2-year certificate - Limited to local Kentucky market area
Geddes Federal Savings and Loan Association
Rates as of Dec. 16th
2 year0.60%0.60%$500Central New York market area only
Wildfire Credit Union
Rates as of Dec. 17th
2 year0.60%0.60%$2,00024-35 Month CD - For Balances of $100,000 or more contact credit union for rates. Membership is open to those who live, work, worship or attend college in one of the following Michigan counties: Saginaw, Bay, Midland, Genesee, Gratiot, Shiawassee and Tuscola.
Citizens State Bank of Paola
Rates as of Dec. 17th
2 year0.60%0.60%$50024 - Month Certificate
Avon Co-Operative Bank
Rates as of Dec. 17th
2 year0.60%0.60%$1,00024 Month CD - Located in Avon, MA
Saginaw Medical Federal Credit Union
Rates as of Dec. 17th
2 year0.60%0.60%$50024 month CD. Membership limited to those working in healthcare fields in the Saginaw, MI area, see website for details.
First Bank of Missouri
Rates as of Dec. 17th
2 year0.60%0.60%$50024-35 month CD - must open account in person
TheBANK of Edwardsville
Rates as of Dec. 17th
2 year0.55%0.55%$1,00024 Month CD. IL market area only
Intervest National Bank
Rates as of Dec. 16th
2 year0.55%0.55%$2,500Limited to New York and Florida market area
Astoria Bank
Rates as of Dec. 17th
2 year0.55%0.55%$500Apply at a branch - New York
West Milton State Bank
Rates as of Dec. 17th
2 year0.50%0.50%$500none
Crossroads Bank (crossroadsbank.com)
Rates as of Dec. 17th
2 year0.50%0.50%$50024 Month CD. Account must be opened in person in Effingham, IL
Seacoast Commerce Bank
Rates as of Dec. 17th
2 year0.50%0.50%$10,000Premium Certificate
Merchants Bank (mbvt.com)
Rates as of Dec. 16th
2 year0.50%0.50%$50024-59 Month Special CD - Vermont market area only
Allied First Bank
Rates as of Dec. 17th
2 year0.50%0.50%$50024 Month CD
Valley Bank of Ronan
Rates as of Dec. 17th
2 year0.45%0.45%$1,00024 Month CD
Zions Bank
Rates as of Dec. 17th
2 year0.45%0.45%$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 - Rate collected within: UT
Fulton Bank
Rates as of Dec. 17th
2 year0.45%0.45%$1,0002 Year Regular CD - rates vary by geographic location. Rate collected within 17602 (PA)
Kasson State Bank
Rates as of Dec. 16th
2 year0.45%0.45%$30024 Month CD
Capital One 360
Rates as of Dec. 17th
2 year0.40%$1CD - 24 Month
Coleman County State Bank
Rates as of Dec. 17th
2 year0.40%0.40%$1,000Rate effective for balances up to $99,999.99 - tiered rates apply thereafter.
People's United Bank
Rates as of Dec. 17th
2 year0.40%$5002 yr Plus CD - People's United linked personal checking account required - Must reside in: Connecticut, New York, Massachusetts, Vermont, Maine or New Hampshire - Rate collected within: 10025 (NY)
The Adirondack Trust Company
Rates as of Dec. 17th
2 year0.35%0.35%$500none
Bank of Blue Valley
Rates as of Dec. 17th
2 year0.35%0.35%$50024-35 month CD
Community Bank of Trenton
Rates as of Dec. 17th
2 year0.35%0.35%$1,00024 Month CD
Zions Bank
Rates as of Dec. 17th
2 year0.35%0.35%$1,000Regular CD - Rate collected within: UT
Arvest Bank
Rates as of Dec. 17th
2 year0.30%0.30%$1,000Tier $1,000-$9,999 - Rates collected within: Fort Smith, Arkansas
Bank of The Valley
Rates as of Dec. 17th
2 year0.30%0.30%$50024 Month CD - Tier $500 - $4,999
Northwest Savings Bank
Rates as of Dec. 16th
2 year0.30%$50024 - 29 Months Certificates of Deposit - Rate collected within: 16365 (PA)
1st Source Bank
Rates as of Dec. 17th
2 year0.22%$500Online CDs
Admirals Bank
Rates as of Dec. 17th
2 year0.20%0.20%$500Available in Rhode Island and Massachusetts - Open in person
Haskell National Bank
Rates as of Dec. 16th
2 year0.20%0.20%$50024 Month CD
Community Bank, NA
Rates as of Dec. 17th
2 year0.20%$1,0002 Plus year term - Limited to New York and Pennsylvania market area.
Wells Fargo Bank (Rate in NY)
Rates as of Dec. 17th
2 year0.16%$2,500Step Rate CD 24 Month - Rate collected within: NY, 10025
American Savings Bank
Rates as of Dec. 17th
2 year0.15%$1,00024-up to 36 months - Apply online
Bank of America (Rate in NY)
Rates as of Dec. 17th
2 year0.10%0.10%$1,000Standard Fixed Term 24-35 Month CD - Tier Less than $10,000 - Rate collected within: NY
Rates as of Dec. 16th
2 year0.10%0.10%$1,0002 to 4 Years Less 1 Day - Stated rate is for accounts opened by phone
HSBC Advance
Rates as of Dec. 16th
2 year0.05%0.05%$1,000Online 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.

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 125 comments | Add your comment
Heidi C

4 October 2014 at 9:28 am

Icon credit union in Idaho and Oregon has a 1.25% AYP for a one year term, minimum balance of five hundred dollars. No maximum balance. You must become a member if the credit Union, but don't need to be one at the time.


22 July 2014 at 10:20 am

The strategy of investing long-term and accepting a penalty for early withdrawal may work, but beware the fine print. Ensure that the institution states in writing, and without reservation, that early withdrawals will, as opposed to may, be permiited. The financial landscape changes frequently and what may suit any particular institution today may not suit it tomorrow, Beware, especially, sentences, usually buried in fine print, to the effect that the institution reserves the right to change any of its policies at any time.

Ann King

1 April 2014 at 6:31 am

Navy Federal Savings Bank is now at 2.71% for large deposits, but one must qualify for membership.


15 November 2013 at 5:50 am

State Bank of India NY interest rates can be found at https://www.statebank.com/cer_deposit.asp As far as I know, State Bank of India NY is a branch of State bank of India. State Bank of India CA is a subsidiary of State Bank of India. They act as two different banks, many times interest rates and other services are different.


8 November 2013 at 2:09 am

Hi Gary S., State Bank of India the New York Branch currently offers a CD for 5 Years and above at 2.05 percent APY. The minimum deposit is $5,000 for U.S. resident consumers. We confirmed the APY today by checking their website and calling the bank. Please note rates are subject to change at any time. Applications for new accounts are accepted by mail. As with any financial institution we recommend you contact the bank or check their online disclosure for account terms, fees and other related information before you apply. You can check the FDIC status and find out financial information of a bank with this link to the FDIC website http://www.fdic.gov/. We added the bank location to our notes section. We hope all this helps. Take care and we appreciate you contacting us.

Gary S

6 November 2013 at 2:40 pm

You report State Bank of India paying 2.05% APR for 5 year CD as of Oct. 30, 2013. Their office in California says it is now 1.3% APR, and has NOT been higher recently. What's with you? (Could you give a LINK to the bank, rather than me needing to do a Google search!)


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.


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+%.


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 ?


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.


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!


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?


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.


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.


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."


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.


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.


6 December 2011 at 5:42 pm

were do we go to find rates from foreign banks or non banks any ideas much appreciated.


2 December 2011 at 7:02 am

TCT Credit Union 3yr min. $1000 2.00% APY


27 November 2011 at 4:35 am

Doral Bank Direct http://www.doralbankdirect.com/cd_learn.asp 1.65% 3yr. CD's


21 November 2011 at 8:08 pm

Beal Bank APY 1.1% 12 month CD


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!


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


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)


17 July 2011 at 11:08 am

Midfirst Bank, Oklahoma City, OK 84 month callable CD APY 3.10 %


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


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


27 May 2011 at 2:24 pm



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.


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


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


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.


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


9 March 2011 at 2:18 am



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%


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


20 January 2011 at 12:33 pm

Looking to find a high cd rate for 6-8 months...deposit of $10,000.


19 January 2011 at 5:13 pm

Looking for best CD rate for $10K for 60 days if there is such an animal.


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.


9 January 2011 at 6:31 am

Looking for high rates as possible in the 5 to 7 year time w/ FDIC


13 December 2010 at 8:30 am



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.


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 $$$.


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


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.


19 September 2010 at 9:51 am

CDs up to 3.30% https://www.usaa.com/inet/ent_utils/McStaticPages?key=bank_cd_rates


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.


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%.


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


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


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....


14 July 2009 at 1:54 am

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


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.


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%


2 July 2009 at 5:04 am

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


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.


29 June 2009 at 2:22 pm

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


29 June 2009 at 8:41 am

Looking for rates up to 1 year, not longer.


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.


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


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%


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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