Find the Best Rates on Short Term CDs

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. Usually, rates for shorter term CDs are lower than rates for longer term CDs. Bank CDs are FDIC-insured up to $250,000 per depositor. To find best rates on CDs with maturity of one year or shorter, 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

  • Rates as of Nov. 6th
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  • FDIC insured

  • 3 Mo.
    6 Mo.
    9 Mo.
  • 0.75%
    1.00%
    1.24%
  • 0.75%
    1.00%
    1.25%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.
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  • Rates as of Nov. 6th
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  • FDIC insured

  • 6 Mo.
    1 Yr.
    1.5 Yr.
  • 1.49%
    1.88%
    1.94%
  • 1.50%
    1.90%
    1.96%
  • $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 Nov. 6th
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  • FDIC insured

TermRateAPYMin. To Earn APYDetails
6 month2.25%$1Deposits up to $25,000, additions allowed at any time - New local clients only - Main Office located in St Charles, IL
1 year2.08%2.10%$1,000
1 year2.10%2.10%$10,000eSavings CD - Earn 2.10% APY for 12 months if you maintain $10,000 balance. Only $100 to open.
10 month2.09%$1,000Online CD Rate
1 year2.03%2.05%$1,000Relationship CD - Limited to Georgia cutomers only
1 year2.02%$1,000Internet CD - California only
1 year2.00%2.02%$1,000
1 year2.00%2.02%$1,000Term 12 to 23 months
1 year1.98%2.00%$3,000
1 year2.00%$25,000
1 year1.99%2.00%$250
1 year1.98%2.00%$500
1 year1.96%$5,000
1 year1.93%1.95%$1High-Yield CD
6 month1.91%$1,000Alerus Life CD - Alerus Life checking account with auto deposit or withdrawal required. Minimum deposit of $1,000. Automatic renewal after six months. Must be age 50 or better.
1 year1.88%1.90%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.90%$500
1 year1.88%1.90%$2,500
1 year1.84%1.86%$2,500Giant Personal CD
1 year1.83%1.85%$500
1 year1.85%$500Online CD with Loyalty Checking Account - Must maintain primary checking with Flagstar Bank, average of 15 transactions or $250 recurring ACH transactions per month
1 year1.83%1.85%$10,000Online account
6 month1.84%1.85%$1,000Relationship CD - must maintain $1,000 monthly average balance, and monthly direct deposit
1 year1.83%$1,000
1 year1.78%1.80%$1,000
1 year1.80%$10,000
1 year1.76%1.78%$10,000Internet CD
1 year1.75%1.77%$10,000eCD rates for online account only
10 month1.74%1.75%$50010 month special - Internet
1 year1.74%1.75%$10,000
9 month1.75%$25,000
1 year1.73%1.75%$10,000
1 year1.75%$1
1 year1.75%$15,000
1 year1.69%1.70%$1,000Custom Term CD - Branch Rate
1 year1.70%1.70%$1,000Unity Gold One Year E-CD - Available Online only
1 year1.69%1.70%$1,500Yield Pledge CD
5 month1.70%$1,000Online CD Rate
1 year1.65%1.66%$1,000
1 year1.64%1.65%$50,000
1 year1.64%1.65%$5,000Online Fixed Rate CD
1 year1.65%$500
9 month1.65%$25,000
6 month1.62%1.63%$500
6 month1.60%1.62%$3,000
1 year1.60%1.61%$10,000from CentennialBank.com
6 month1.60%$10,000
6 month1.59%1.60%$500
1 year1.59%1.60%$2,500
6 month1.59%1.60%$10,000
9 month1.55%$15,000
1 year1.54%1.55%$2,500Relationship Banking CD - 12 Month Variable Rate - $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
1 year1.55%1.55%$1,000Local funds only, contact retail offices in Ohio
10 month1.55%1.55%$1,000New money only
9 month1.54%1.55%$500Serving Central New York area
6 month1.54%1.55%$10,000Online account
11 month1.55%$2,500CD Special
9 month1.55%1.55%$20,000CD Special - New money required, rates may vary by location
9 month1.50%1.53%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
6 month1.51%1.52%$10,000
6 month1.51%$1,000
6 month1.51%$5,000
1 year1.50%1.51%$2,500
6 month1.50%1.51%$1,000
6 month1.50%1.51%$2,500Giant Personal CD
6 month1.50%$10,000
6 month1.49%1.50%$5006 Month Special - checking and direct deposit required, limited to local New York market area
9 month1.49%1.50%$500
9 month1.50%1.50%$1,000
6 month1.49%1.50%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.50%$10,000Must be opened online with new money to get this rate.
1 year1.50%$500Rate may vary by location, market areas FL, NY, MA, NJ, VT
1 year1.50%$500
1 year1.49%1.50%$1,000
1 year1.49%1.50%$5,000
1 year1.50%$1,000Internet CD
1 year1.50%$10Online 12-month CD, debit card, pay electronically
1 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
9 month1.48%1.49%$1No Penalty CD - Open with $0, no fees, daily compounded interest, no fee early withdrawal after the first 6 days of funding your CD
6 month1.45%1.46%$1,000
6 month1.45%1.46%$2,000iCD
9 month1.44%1.45%$1High-Yield CD
9 month1.44%1.45%$1,000Custom Term CD - Branch Rate
6 month1.44%1.45%$1,000Custom Term CD - Branch Rate
9 month1.44%1.45%$10,000
6 month1.44%1.45%$1High-Yield CD
1 year1.39%1.40%$1,000
6 month1.39%1.40%$10,000
1 year1.40%$500
1 year1.39%1.40%$10,000
1 year1.39%1.40%$25,00012 - 17 month term
6 month1.39%1.40%$10,000
7 month1.35%1.36%$10,000CD Special
1 year1.35%$1,000Select Promo CD - open with new money, personal account only, must have M and T checking account, geographic restrictions, rate and products may vary by location
7 month1.30%1.31%$5,000Special CD
6 month1.30%1.31%$1,000
1 year1.29%1.30%$10,000Personal Internet CD
6 month1.29%1.30%$500
1 year1.30%$2,500Rate/APY may vary by location
6 month1.30%1.30%$1,000Local funds only, contact retail offices in Ohio
6 month1.30%$500
1 year1.29%1.30%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location
6 month1.25%1.28%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
1 year1.25%1.28%$1,000Regular CD - South Shore Massachusetts market area
9 month1.25%1.26%$10,000eCD rates for online account only
1 year1.25%1.26%$10,0001 Year Renewable Once CD - renew once at the same rate or higher, limited to local New York market area
6 month1.25%1.26%$10,000eCD rates for online account only
1 year1.25%1.26%$1,000Must be opened online to get this rate.
6 month1.24%1.25%$1,500Yield Pledge CD
9 month1.24%1.25%$1,500Yield Pledge CD
9 month1.24%1.25%$5,000Online Fixed Rate CD
6 month1.25%$10,000Must be opened online with new money to get this rate.
5 month1.24%1.25%$1,000New money only, must have CCTC checking, will roll into 6 month product unless otherwise directed, limited to local New York market area
1 year1.24%1.25%$500
6 month1.25%$1,000Internet CD
6 month1.24%1.25%$1,000
6 month1.25%$1
6 month1.19%1.20%$1,000
1 year1.20%$500With Premier Checking
6 month1.20%$500
6 month1.19%1.20%$1,000Term 6 to 11 months
1 year1.15%1.16%$1,000Internet CD
1 year1.15%1.16%$1,000Limited to local New York market area
6 month1.15%1.16%$50,000
5 month1.14%1.15%$500
6 month1.14%1.15%$5,000Online Fixed Rate CD
1 year1.14%1.15%$500
6 month1.08%1.10%$500Limited to Jefferson County in New York
6 month1.09%1.10%$500Regular CD - Limited to New York market area
1 year1.09%1.10%$5,000High Yield Promotional CD - 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.
6 month1.05%1.05%$500APY's stated may vary between states due to market condition
3 month1.05%1.05%$1,000Local funds only, contact retail offices in Ohio
9 month1.05%$250Basic CD - Rate may vary by location. Market area from Maine to Florida
1 year1.05%$50,000
6 month1.04%1.05%$2,500
6 month1.05%1.05%$500
6 month1.00%1.02%$5,000Regular CD - South Shore Massachusetts market area
6 month1.00%1.00%$10,000
6 month0.99%1.00%$250
1 year1.00%1.00%$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
6 month1.00%1.00%$2,500
6 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
9 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
1 year1.00%1.00%$1,000
1 year0.99%1.00%$25,000
6 month1.00%1.00%$1,000
6 month1.00%1.00%$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
6 month0.95%0.95%$10,000Personal Internet CD
9 month0.90%$10Online CD
6 month0.90%0.90%$25,0006 - 11 month term
9 month0.85%0.85%$500
6 month0.85%0.85%$2,500
1 year0.80%0.80%$1,000
6 month0.75%0.75%$500
1 year0.70%0.70%$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.
6 month0.65%0.65%$1,000
6 month0.50%$10Online CD
See all bank rate listings

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:

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

1steve 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

2Lucretia 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.

3james 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!

4Dave 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

5Dave W says on August 25, 2009
(Hinsdale, IL)

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

6william ignatowski says on August 25, 2009
(chicago, IL)

2.20 % for 1 year Park National Bank

7Washington 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).

8Shel Ferdman says on August 15, 2009
(Los Angeles, CA)

Check out Citibank 60mo. CD Rate

9Nancy McIntyre says on August 13, 2009
(Camp Hill, PA)

Check Susquehanna Valley Federal Credit Union

10James Leonard says on August 12, 2009
(Placentia, CA)

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

11royal 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.

12Jack Brink says on August 03, 2009
(oregon city, OR)

Bank of the west

13Ann Mine says on July 25, 2009
(Roseville, CA)

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

14Pamela Stratton says on July 17, 2009
(Arlington, VA)

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

15Shelley 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....

16mary says on July 14, 2009
(Ashburn, VA)

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

17Karen 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.

18Pete 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.

19Judy 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.

20S T says on July 03, 2009
(Washington, DC)

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

21White Chocolate says on July 03, 2009
(, NJ)

Amboy Direct One Year CD Rate @ 2.35%

22Arnie says on July 02, 2009
(, )

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

23Barry 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.

24Renee says on June 29, 2009
(Atlanta, GA)

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

25Ross says on June 29, 2009
(East Lyme, CT)

Looking for rates up to 1 year, not longer.

26DONNA WIGHT says on June 28, 2009
(ft. thomas, KY)

highest interest rates for saving and cd rate

27Connie Mavity says on June 28, 2009
(St. Maries, ID)

Looking for highest cd rate in idaho banks.

28Erno Balogh says on June 27, 2009
(Westminster, MD)

Best ratea in local banks.

29David Rothman says on June 26, 2009
(Encino, CA)

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

30Ray says on June 25, 2009
(Mason Ohio 45040, OH)

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

31John 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.

32Mary Klugh says on June 22, 2009
(Greenville, NC)

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

33Everett Davidson says on June 21, 2009
(Prescott, AZ)

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

34amy 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

35Randy 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%

36Ronn 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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    FDIC-insured certificates of deposit with terms from 7 days to one year.
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