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.







Term Rate APY Min. To Earn APY Details
  • 1.5 Yr.
    2 Yr.
    2.5 Yr.
  • 2.28%
    2.47%
    2.57%
  • 2.30%
    2.50%
    2.60%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.
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  • Rates as of Jun. 30th
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  • FDIC insured

  • 1.5 Yr.
    2 Yr.
    3 Yr.
  • 2.23%
    2.38%
    2.87%
  • 2.26%
    2.41%
    2.91%
  • $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 Jul. 3rd
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  • FDIC insured

TermRateAPYMin. To Earn APYDetails
5 year3.73%3.80%$500
10 year3.64%3.70%$2,500
7 year3.59%3.65%$1
8 year3.59%3.65%$2,500
5 year3.59%3.65%$5,000Online Only
5 year3.59%3.65%$2,500
5 year3.65%$5,0005 years and above
5 year3.59%3.65%$500
7 year3.58%3.64%$2,500
5 year3.56%3.62%$2,500
6 year3.54%3.60%$10,000
5 year3.50%3.56%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
4 year3.49%3.55%$2,500
5 year3.47%3.51%$50,000
5 year3.44%3.50%$1,000
5 year3.44%3.50%$0Classic CD
5 year3.44%3.50%$10,000
5 year3.50%$500
4 year3.40%3.45%$2,500
5 year3.35%3.41%$2,500FDIC insured with no market risk. Open an account online or by phone!
5 year3.40%$500
4 year3.34%3.40%$500
4 year3.25%3.30%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
4 year3.20%3.25%$500
4 year3.20%3.25%$500
4 year3.15%3.20%$1
3 year3.10%3.15%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
5 year3.15%$500
3 year3.10%3.15%$500
5 year3.05%3.10%$10,000
3 year3.05%3.10%$2,500
3 year3.06%3.10%$2,500
3 year3.06%3.10%$1
2 year3.00%3.05%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
5 year3.00%3.05%$500
5 year3.00%3.05%$1,000
5 year3.00%3.04%$10,000from CentennialBank.com
3 year3.03%$5,000
59 month3.00%$25,000
5 year3.00%$1,000MyWay CD Internet Special
5 year2.96%3.00%$1,000
4 year2.96%3.00%$0Classic CD
4 year3.00%$500
3 year2.96%3.00%$500
3 year2.96%3.00%$500
5 year3.00%$1,000
10 year2.96%3.00%$20,00010 Year Callable CD
5 year2.92%2.95%$5,000Located in Arizona
5 year2.87%2.91%$2,000
3 year2.87%2.91%$2,500FDIC insured with no market risk. Open an account online or by phone!
4 year2.90%2.90%$1,000Geauga Savings Bank is currently not accepting non-local funds for deposit. For more information please contact retail office serving Geauga County and Eastern Cuyahoga County in Ohio.
4 year2.86%2.90%$10,000
5 year2.85%2.89%$10,000eCD rates for online account only
4 year2.85%2.89%$10,000eCD rates for online account only
4 year2.81%2.85%$1,000
2 year2.81%2.85%$10,000
6 year2.81%2.85%$1,000
4 year2.85%$500
3 year2.81%2.85%$0Classic CD
5 year2.81%2.85%$1,000
5 year2.81%2.85%$1,000
3 year2.76%2.80%$2,500
4 year2.74%2.77%$5,000Located in Arizona
4 year2.71%2.75%$1,000
4 year2.72%2.75%$1,000
5 year2.72%2.75%$10,00060 Month Relationship CD
5 year2.72%2.75%$25,0005 Year Callable CD - 12 Month Rate Guarantee
4 year2.70%2.73%$10,000from CentennialBank.com
3 year2.67%2.70%$5,000
3 year2.66%2.70%$1,000
2 year2.62%2.65%$2,500
3 year2.62%2.65%$10,000Online account
2 year2.63%$5,000
3 year2.60%2.63%$10,000from CentennialBank.com
4 year2.60%2.62%$1,000
2 year2.57%2.60%$100,000
3 year2.52%2.55%$2,000
3 year2.55%$500
3 year2.52%2.55%$10,000
5 year2.50%2.53%$1,000Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. (Located in Utah)
3 year2.50%2.53%$10,000eCD rates for online account only
3 year2.49%2.51%$5,000Located in Arizona
2 year2.48%2.50%$25,000
2 year2.47%2.50%$1
3 year2.47%2.50%$1,000
2 year2.50%2.50%$1,000Geauga Savings Bank is currently not accepting non-local funds for deposit. For more information please contact retail office serving Geauga County and Eastern Cuyahoga County in Ohio.
2 year2.47%2.50%$2,500
5 year2.48%2.50%$250
5 year2.48%2.50%$1,000
3 year2.50%$500
3 year2.47%2.50%$500
2 year2.47%2.50%$10,000Online account
33 month2.45%2.48%$5,000
3 year2.44%2.47%$1,000
2 year2.44%2.47%$10,000
2 year2.42%2.45%$5,000Online 2 Year Flexible CD - one time rate increase 365 days into term if the 1 year CD rate is higher than the 2 year CD rate. The CD will earn the higher rate the day following the change.
2 year2.42%2.45%$500
3 year2.45%2.45%$1,000Geauga Savings Bank is currently not accepting non-local funds for deposit. For more information please contact retail office serving Geauga County and Eastern Cuyahoga County in Ohio.
2 year2.38%2.41%$2,500FDIC insured with no market risk. Open an account online or by phone!
18 month2.38%2.40%$10,000
4 year2.37%2.40%$10,000
2 year2.38%2.40%$500Rate only available when you open account online
2 year2.37%2.40%$5,000
2 year2.37%2.40%$0Classic CD
3 year2.37%2.40%$3,000
2 year2.38%2.40%$10,000
2 year2.35%2.38%$2,000
3 year2.35%2.36%$1,000
3 year2.32%2.35%$500Internet CD
18 month2.32%2.35%$10,000Bump 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
5 year2.30%2.32%$2,500
2 year2.30%2.32%$10,000from CentennialBank.com
5 year2.25%2.31%$1,000
3 year2.30%$500
2 year2.27%2.30%$500
5 year2.27%2.30%$50,000
18 month2.23%2.26%$2,500FDIC insured with no market risk. Open an account online or by phone!
4 year2.23%2.25%$1,000
2 year2.25%$500
13 month2.25%$25,00013-23 month
15 month2.23%2.25%$50015 month special - Internet
2 year2.23%2.25%$1,000
18 month2.23%2.25%$500
2 year2.25%$500
3 year2.23%2.25%$25,0003 Year Callable CD - 6 Month Rate Guarantee
2 year2.20%2.22%$2,500
2 year2.19%2.21%$2,500
5 year2.18%2.20%$1,000
2 year2.20%$500Online CD
5 year2.20%$500Online Banking.
6 year2.20%$500Online Banking.
4 year2.13%2.15%$1,000
2 year2.13%2.15%$2,500
18 month2.13%2.15%$500
3 year2.12%2.14%$10,000
5 year2.12%2.14%$10,000
2 year2.10%2.12%$1,000
4 year2.10%2.12%$1,000Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
4 year2.10%$500Online Banking.
18 month2.08%2.10%$1,000
2 year2.05%2.07%$10,000
18 month2.04%2.06%$10,000
3 year2.03%2.05%$1,000
4 year2.00%2.05%$1,000
2 year2.00%2.02%$10,000eCD rates for online account only
2 year2.00%2.01%$1,000
2 year1.99%2.00%$1,000CD Special with a SuccessYes Account (Checking Account)
2 year1.98%2.00%$10,000
2 year1.98%2.00%$1,000
19 month1.98%2.00%$5,000
5 year1.98%2.00%$2,500If 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.
2 year1.98%2.00%$1,000
5 year1.95%$500
2 year1.88%1.92%$1,000
14 month1.90%1.92%$5,000
2 year1.88%1.90%$500
3 year1.88%1.90%$50,000
18 month1.75%1.76%$1,000
4 year1.73%1.75%$2,500If 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.
4 year1.75%$1
20 month1.71%$1,000Online CD Rate
13 month1.69%1.70%$5,000
15 month1.61%$1,000Online CD Rate
3 year1.60%1.61%$1,000Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
42 month1.59%1.60%$2,500If 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.
2 year1.57%1.58%$50,000
4 year1.49%1.50%$5,000
18 month1.49%1.50%$2,500
5 year1.49%1.50%$5,000
5 year1.50%$100,000
10 year1.49%1.50%$100,000
5 year1.49%1.50%$100,000
7 year1.49%1.50%$5,000
4 year1.49%1.50%$500
3 year1.49%1.50%$2,500If 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.
4 year1.50%$100,000
3 year1.50%$1
2 year1.50%$1
7 year1.49%1.50%$100,000
4 year1.49%1.50%$100,000
10 year1.49%1.50%$5,000
2 year1.45%$500Online Banking.
5 year1.39%1.40%$1,000
4 year1.35%1.36%$1,000Must be opened online to get this rate.
2 year1.35%1.36%$1,000Must be opened online to get this rate.
2 year1.35%$25,000
3 year1.35%$25,000
2 year1.24%1.25%$500
2 year1.20%1.21%$1,000Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
3 year1.00%1.01%$100,000
3 year1.00%1.01%$5,000
18 month1.00%1.01%$100,000
30 month1.00%1.01%$100,000
2 year1.00%1.01%$5,000
18 month1.00%1.01%$5,000
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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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4 Responses to "Best CD rates found by users like you"

1Renee says on June 29, 2009
(Atlanta, GA)

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

2amy 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

3Randy 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%

4Ronn 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!

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