Best CD Rates (Updated!)
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FacebookWith online savings accounts interest rates falling lower by the minute, I decided to put together a list of the best certificate of deposit (CD) rates. Based upon my experiences and reader feedback, I’ve put together a list of the best / most popular cd rates (certificate of deposit rates) in my original post below. I’ll continue to update that list.
But you can also compare the highest cd rates in this table which displays the highest interest rates across 200+ banks. This table is updated daily.
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Navy Federal Credit Union Rates as of Sep. 8th |
1 year | 2.90% | $50 | Special Easy Start Certificate-$3,000 maximum balance-must have direct deposit of net pay-Navy FCU checking and monthly automatic deposit of at least $15-See site for membership eligibility details. | |
| First Community Federal Credit Union Rates as of Sep. 8th |
1 year | 1.59% | 1.60% | $500 | Membership 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. |
| Sallie Mae Bank Rates as of Sep. 8th |
1 year | 1.55% | $1 | ||
| Quantum National Bank Rates as of Sep. 8th |
1 year | 1.54% | 1.55% | $1,000 | Relationship CD – Limited to Georgia cutomers only |
| Flagstar Bank Rates as of Sep. 8th |
1 year | 1.55% | $500 | Online CD with Loyalty Checking Account – Must maintain primary checking with Flagstar Bank, average of 15 transactions or $250 recurring ACH transactions per month | |
| Corridor State Bank Rates as of Sep. 8th |
1 year | 1.54% | 1.55% | $1,000 | |
| Hopkins Federal Savings Bank Rates as of Sep. 9th |
1 year | 1.50% | 1.51% | $5,000 | New accounts available for Maryland residents only – must open in person |
| New Dominion Bank Rates as of Sep. 8th |
1 year | 1.49% | 1.51% | $3,000 | Fixed Rate CD |
| Iowa State Bank Rates as of Sep. 8th |
1 year | 1.50% | 1.51% | $1,000 | 12 Month CD |
| First Southern State Bank Rates as of Sep. 8th |
1 year | 1.50% | 1.51% | $500 | 12 Month CD |
| First National Bank Rates as of Sep. 8th |
1 year | 1.50% | 1.51% | $1,000 | 12 Month CD – Located in Oklahoma |
| First National Bank in Philip Rates as of Sep. 8th |
1 year | 1.50% | 1.51% | $1,000 | |
| Mountain View Bank of Commerce Rates as of Sep. 8th |
1 year | 1.50% | 1.51% | $1,000 | For balances under $100,000 – must sign account documents in branch – Colorado market area |
| Melrose Credit Union Rates as of Sep. 8th |
1 year | 1.50% | 1.51% | $5,000 | Share Certificate – contact Melrose CU for opening paperwork |
| The Baldwin State Bank Rates as of Sep. 8th |
1 year | 1.50% | 1.51% | $20,000 | Tiered rates apply, APY valid for balances $20,000 and over |
| First City Bank (firstcitybank.com) Rates as of Sep. 8th |
1 year | 1.50% | 1.50% | $1,000 | 12-17 Month CD – Located in Florida |
| FNBT.COM Bank Rates as of Sep. 8th |
1 year | 1.49% | 1.50% | $1,000 | |
| Ascencia Bank Rates as of Sep. 8th |
1 year | 1.49% | 1.50% | $500 | |
| H&R Block Bank Rates as of Sep. 9th |
1 year | 1.49% | 1.50% | $250 | |
| Georgia Primary Bank Rates as of Sep. 9th |
1 year | 1.49% | 1.50% | $1,000 | |
| Clinton State Bank Rates as of Sep. 8th |
1 year | 1.49% | 1.50% | $500 | |
| Bank of Internet Rates as of Sep. 8th |
1 year | 1.47% | 1.48% | $1,000 | Term 12 to 23 months |
| NorthSide Bank Rates as of Sep. 7th |
1 year | 1.46% | $1,000 | 12 Month CD | |
| Black River Country Bank Rates as of Sep. 8th |
1 year | 1.45% | 1.46% | $1,000 | |
| Giantbank Rates as of Sep. 9th |
1 year | 1.45% | 1.46% | $2,500 | Giant Personal CD |
| Colorado Federal Savings Bank Rates as of Sep. 8th |
1 year | 1.44% | 1.45% | $5,000 | Online CD |
| Nationwide Bank Rates as of Sep. 8th |
1 year | 1.45% | $500 | ||
| Discover Bank Rates as of Sep. 8th |
1 year | 1.44% | 1.45% | $2,500 | |
| Ally Bank Rates as of Sep. 8th |
1 year | 1.43% | 1.44% | $1 | High-Yield CD |
| Aurora Bank FSB Rates as of Sep. 8th |
1 year | 1.42% | 1.43% | $1,000 | Rates effective on balances up to $4,999 |
| First Mariner Bank Rates as of Sep. 8th |
1 year | 1.41% | 1.42% | $500 | |
| 1st National Bank (fnbscott.com) Rates as of Sep. 8th |
1 year | 1.40% | 1.41% | $250 | |
| Brunswick State Bank Rates as of Sep. 8th |
1 year | 1.40% | 1.41% | $2,500 | Limited to local Nebraska market area |
| AIG Bank Rates as of Sep. 8th |
1 year | 1.40% | 1.41% | $2,500 | High Yield CD – FDIC insured with no market risk. Open an account online or by phone! |
| Virtual Bank Rates as of Sep. 8th |
1 year | 1.40% | 1.41% | $10,000 | eCD rates for online account only |
| Cashmere Valley Bank Rates as of Sep. 8th |
1 year | 1.39% | 1.40% | $100 | |
| Alliance Bank (alliancebank.us) Rates as of Sep. 8th |
1 year | 1.38% | 1.39% | $500 | 12 Month CD – Located in Wisconsin |
| The National Republic Bank of Chicago Rates as of Sep. 8th |
1 year | 1.35% | 1.36% | $1,000 | |
| Interstate Net Bank Rates as of Sep. 7th |
1 year | 1.35% | 1.36% | $1,000 | |
| Excel National Bank Rates as of Sep. 8th |
1 year | 1.34% | 1.35% | $10,000 | Personal CD – APY for balances under 100K |
| East Boston Savings Bank Rates as of Sep. 8th |
1 year | 1.34% | 1.35% | $1,000 | 12 month CD |
| Hillcrest Bank Rates as of Sep. 9th |
1 year | 1.35% | 1.35% | $1,000 | |
| Peoples State Bank Rates as of Sep. 8th |
1 year | 1.35% | 1.35% | $500 | Interest compounds at maturity |
| First National Bank in Cimarron Rates as of Sep. 8th |
1 year | 1.35% | 1.35% | $500 | Rate effective for balances up to $9,999.99 – tiered rates apply |
| First State Bank (firststatebankky.com) Rates as of Sep. 8th |
1 year | 1.35% | 1.35% | $100 | 12 Month CD – Located in Kentucky |
| Geauga Savings Bank Rates as of Sep. 9th |
1 year | 1.35% | 1.35% | $1,000 | Local funds only, contact retail offices in Ohio |
| American Trust Bank Rates as of Sep. 8th |
1 year | 1.31% | 1.32% | $1,000 | 12 Month CD |
| First State Bank of Harvey Rates as of Sep. 8th |
1 year | 1.30% | 1.31% | $1,000 | |
| Citizens State Bank Norwood Young America Rates as of Sep. 8th |
1 year | 1.30% | 1.31% | $500 | 12 Month CD |
| Acacia Federal Savings Bank Rates as of Sep. 8th |
1 year | 1.29% | 1.30% | $500 | Rates effective 09/06/2010 |
| SuffolkFirst Bank Rates as of Aug. 30th |
1 year | 1.30% | $500 | ||
| Community Bank (cbbristow.com) Rates as of Sep. 8th |
1 year | 1.29% | 1.30% | $2,500 | Located in Bristow, OK |
| OneWest Bank Rates as of Sep. 8th |
1 year | 1.29% | 1.30% | $1,000 | Branch and Call Center CD Rates/Southern CA residents only |
| Ultima Bank Rates as of Sep. 8th |
1 year | 1.30% | 1.30% | $1,000 | |
| Southeast Financial Credit Union Rates as of Sep. 8th |
1 year | 1.30% | $500 | Membership is limited to select employer groups. See website for complete list of eligible employers. | |
| OneWest Bank Rates as of Sep. 8th |
1 year | 1.29% | 1.30% | $1,000 | Online CD |
| Nexity Bank Rates as of Sep. 8th |
1 year | 1.29% | $1,000 | ||
| Citizens Bank of Rogersville Rates as of Sep. 8th |
1 year | 1.25% | 1.26% | $1,000 | |
| The Bank of Southern Connecticut Rates as of Sep. 8th |
1 year | 1.25% | 1.26% | $1,000 | |
| Pentagon Federal Credit Union Rates as of Sep. 8th |
1 year | 1.26% | $1,000 | Money Market CD-membership is open to U.S. military | |
| First Federal Savings Bank of Elizabethtown Rates as of Sep. 8th |
1 year | 1.25% | 1.26% | $500 | |
| South LaFourche Bank Rates as of Sep. 8th |
1 year | 1.25% | 1.26% | $1,000 | Non-auto renew 1 Year CD |
| Citizens State Bank (csbtx.com) Rates as of Sep. 8th |
1 year | 1.26% | $1,000 | Located in Texas | |
| Citizens State Bank of Paola Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $500 | |
| Community Bank (nevadacb.com) Rates as of Sep. 8th |
1 year | 1.25% | 1.25% | $1,000 | Located in Iowa |
| First State Bank of Colfax Rates as of Sep. 8th |
1 year | 1.25% | 1.25% | $1,000 | |
| Rhinebeck Savings Bank Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $10,000 | |
| First National Community Bank (FNCB) Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $1,000 | 12 month CD |
| First Green Bank Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $1,000 | Renewable CD |
| National Bank of Kansas City Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $1 | Personal CD 12 – 23 Month – open online, $5,000 to open |
| Think Mutual Bank Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $250 | Located in MN |
| Bank of Oakfield Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $500 | 12 Month CD |
| First Capital Bank of Kentucky Rates as of Sep. 8th |
1 year | 1.25% | $500 | ||
| Monument Bank Rates as of Sep. 8th |
1 year | 1.24% | 1.25% | $500 | |
| The First National Bank of Pawnee Rates as of Sep. 8th |
1 year | 1.20% | 1.21% | $1,000 | Single Maturity CD |
| Hanmi Bank Rates as of Sep. 9th |
1 year | 1.21% | $1,000 | Internet CD – California only | |
| First Enterprise Bank Rates as of Sep. 8th |
1 year | 1.20% | 1.21% | $1,000 | 12 Month CD |
| California First National Bank Rates as of Sep. 8th |
1 year | 1.19% | 1.20% | $5,000 | |
| Northwest Savings Bank Rates as of Sep. 8th |
1 year | 1.20% | $500 | Promotion CD – only available to existing customers, limited to local western New York market area | |
| Doral Bank Direct Rates as of Sep. 8th |
1 year | 1.19% | 1.20% | $1,000 | |
| United Valley Bank Rates as of Sep. 8th |
1 year | 1.20% | 1.20% | $500 | |
| Roma Bank Rates as of Sep. 8th |
1 year | 1.18% | 1.20% | $1,000 | Download a Certificate by Mail application form to open account – must reside in New Jersey or in Bucks County, Pennsylvania |
| Grand Bank Rates as of Sep. 9th |
1 year | 1.19% | 1.20% | $1,000 | |
| Rockland Savings Bank, FSB Rates as of Sep. 8th |
1 year | 1.19% | 1.20% | $500 | |
| Bank of Botetourt Rates as of Sep. 8th |
1 year | 1.15% | 1.16% | $500 | |
| EverBank Rates as of Sep. 8th |
1 year | 1.14% | 1.15% | $1,500 | Yield Pledge CD |
| Cascade Bank Rates as of Sep. 8th |
1 year | 1.14% | 1.15% | $1,000 | 12 month CD – tier $1,000 |
| State Bank of India Rates as of Sep. 8th |
1 year | 1.15% | $5,000 | ||
| Bellevue State Bank Rates as of Sep. 8th |
1 year | 1.15% | 1.15% | $2,500 | |
| Farmers and Merchants State Bank Rates as of Sep. 8th |
1 year | 1.15% | 1.15% | $10,000 | 12 Month CD Tier $10,000 – $99,999 |
| Tennessee Commerce Bank Rates as of Sep. 8th |
1 year | 1.14% | 1.15% | $2,500 | Account available nationwide. Application available online – contact bank for more details. |
| First Dakota National Bank Rates as of Sep. 8th |
1 year | 1.15% | 1.15% | $1,000 | |
| Fulton Bank Rates as of Sep. 8th |
1 year | 1.14% | 1.15% | $2,500 | Relationship 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. Rate collected within 10025 |
| The Jacksonville Bank Rates as of Sep. 8th |
1 year | 1.14% | 1.15% | $1,000 | Rates and terms specific to accounts opened online |
| State Farm Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 1.10% | 1.11% | $500 | 12 Month CD – Less than $100,000 – Rate collected within: 10025 (NY) |
| First National Bank of Groton Rates as of Sep. 8th |
1 year | 1.10% | 1.11% | $10,000 | 12-month renewable |
| State Farm Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 1.10% | 1.11% | $500 | 12 Month CD – Less than $100,000 – Rate collected within: 60625 (IL) |
| State Farm Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 1.10% | 1.11% | $500 | 12 Month CD – Less than $100,000 – Rate collected within: 94115 (CA) |
| Central Bank Illinois Rates as of Sep. 8th |
1 year | 1.10% | 1.10% | $1,000 | 12 Month CD – less than $10,000 |
| Amboy Direct Rates as of Sep. 8th |
1 year | 1.10% | 1.10% | $10,000 | eSavings CD – Earn 1.10% APY for 12 months if you maintain $10,000 balance, $100 to open |
| First National Bank of Crystal Falls Rates as of Sep. 8th |
1 year | 1.10% | 1.10% | $1,000 | 12 – 17 month CD |
| First National Bank of Chester County Rates as of Sep. 8th |
1 year | 1.09% | 1.10% | $1,000 | 12 month CD |
| NOVA Bank Rates as of Sep. 8th |
1 year | 1.09% | 1.10% | $500 | Fixed Rate |
| Flagstar Bank Rates as of Sep. 8th |
1 year | 1.09% | $500 | 12 – 17 Month CD – Rate collected within: 49201 (MI) | |
| First State Bank of Forrest Rates as of Sep. 8th |
1 year | 1.05% | 1.06% | $1,000 | 12 Month CD |
| Charter Bank Rates as of Sep. 8th |
1 year | 1.06% | 1.06% | $1,000 | |
| Wells River Savings Rates as of Sep. 8th |
1 year | 1.05% | 1.06% | $200 | |
| Chicago Community Bank Rates as of Sep. 8th |
1 year | 1.04% | 1.05% | $5,000 | Promotional CD – New money only |
| First Merit Bank Rates as of Sep. 8th |
1 year | 1.05% | $1,000 | CD special – Rate collected within 60625 | |
| North American Savings Bank Rates as of Sep. 8th |
1 year | 1.04% | 1.05% | $1,000 | 12 – 23 Month CD |
| First State Bank of Wyoming Rates as of Sep. 8th |
1 year | 1.05% | 1.05% | $1,000 | 12 Month Relationship CD – requires a First State Bank of Wyoming checking account |
| Geddes Federal Savings and Loan Association Rates as of Sep. 9th |
1 year | 1.05% | 1.05% | $500 | Central New York market area only |
| Lafayette Savings Bank Rates as of Sep. 8th |
1 year | 1.05% | 1.05% | $500 | 12 Month CD |
| National Exchange Bank and Trust Rates as of Sep. 8th |
1 year | 1.05% | 1.05% | $1,000 | |
| The First Bank and Trust Company of Murphysboro Rates as of Sep. 8th |
1 year | 1.05% | $1,000 | ||
| Warsaw Federal Savings and Loan Rates as of Sep. 8th |
1 year | 1.03% | 1.05% | $1,000 | |
| USAA Bank Rates as of Sep. 8th |
1 year | 1.01% | 1.01% | $1,000 | Fixed Rate 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. |
| Beal Bank Rates as of Sep. 8th |
1 year | 1.01% | 1.01% | $10,000 | Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location. |
| First National Bank of Groton Rates as of Sep. 8th |
1 year | 1.00% | 1.01% | $1,000 | Limited to local New York market area |
| Investors Savings Bank Rates as of Sep. 8th |
1 year | 0.98% | 1.00% | $500 | Enter a new note |
| Hudson City (Rate in CT) Rates as of Sep. 9th |
1 year | 0.98% | 1.00% | $500 | Rate collected within: CT |
| Bank of Blue Valley Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $500 | 12-17 month CD |
| ING Direct Rates as of Sep. 8th |
1 year | 1.00% | $1 | Orange CD | |
| Hudson City (Rate in NJ) Rates as of Sep. 9th |
1 year | 0.98% | 1.00% | $500 | Rate collected within: NJ |
| Monroe Bank and Trust Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $1,000 | |
| Tompkins Trust Company Rates as of Sep. 8th |
1 year | 1.00% | $1,000 | 12-24 month CD | |
| Windsor Federal Savings and Loan Association Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $1,000 | |
| Hudson City (Rate in NY) Rates as of Sep. 9th |
1 year | 0.98% | 1.00% | $500 | Rate collected within: NY |
| Wakefield Co-operative Bank Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $500 | |
| Happy State Bank Rates as of Sep. 9th |
1 year | 1.00% | 1.00% | $1,000 | 365 Day CD – Tier $1,000 – $10,999 – Located in TX |
| Villa Grove State Bank Rates as of Sep. 8th |
1 year | 1.00% | $500 | ||
| Rome Savings Bank Rates as of Sep. 8th |
1 year | 0.99% | 1.00% | $500 | |
| Avon Co-Operative Bank Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $1,000 | |
| Gate City Bank Rates as of Sep. 9th |
1 year | 1.00% | 1.00% | $1,000 | Regular CD – Rate collected within: Fargo ND |
| Citizens Federal Savings Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $500 | 12 Month CD |
| Danversbank Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $500 | Limited time offer CD special. Bank located in Massachusetts |
| First National Bank of Moose Lake Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $1,000 | |
| OneUnited Bank Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $1,000 | Unity Gold One Year E-CD – Available Online only |
| Atlantic Coast Bank Rates as of Sep. 8th |
1 year | 1.00% | 1.00% | $1,000 | iCertificate of Deposit |
| Washington Savings Bank Rates as of Sep. 8th |
1 year | 0.95% | 0.97% | $500 | |
| Vist Financial Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $500 | |
| Metropolitan National Bank Rates as of Sep. 8th |
1 year | 0.95% | $2,500 | Rate/APY may vary by location | |
| Lytle State Bank Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $500 | |
| BBVA Compass Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $500 | 12 Month CD – Rate collected within: Northern CA |
| MetroBank Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $500 | Enter a new note |
| BBVA Compass (Rate in AL) Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $500 | 12 month CD – Rate collected within Birmingham, AL |
| Coppermark Bank Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $1,000 | Collected within Oklahoma |
| BBVA Compass (Rate in FL) Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $500 | 12 month CD – Rate collected within Jacksonville, FL |
| BBVA Compass (Rate in CA) Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $500 | 12 month CD – Rate collected within Northern CA |
| RiverWood Bank Rates as of Sep. 8th |
1 year | 0.95% | $10,000 | Tier rates apply, APY valid for opening deposits between $10,000 and $24,999 | |
| The First Central National Bank Rates as of Sep. 8th |
1 year | 0.95% | 0.95% | $1,000 | |
| Pacific Mercantile Bank Rates as of Sep. 8th |
1 year | 0.94% | 0.94% | $10,000 | |
| Cornhusker Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | 12 Month CD |
| Farmers and Merchants National Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | 12 Month CD |
| West Milton State Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $500 | |
| Fort Jennings State Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $500 | 12 Month CD |
| Kirkwood Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | 12 Month CD |
| Boiling Springs Savings Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | |
| Community Business Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $10,000 | 1 Year CD – $10,000.01 – $50,000 |
| Union Center National Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | |
| North Penn Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | 12 Month CD |
| First Community Bank of Hillsboro Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | |
| Trustco Bank Rates as of Sep. 8th |
1 year | 0.90% | $500 | Rate collected in zip code 60625, rate may vary by location. | |
| Cathay Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $2,500 | 1 Year to 23 Month CD Tier $2,500 – $49,999 |
| Coleman County State Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | Rate effective for balances up to $99,999.99 – tiered rates apply thereafter. |
| Community Bank of Trenton Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | 12 Month CD |
| Fulton Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $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. Rate collected within 10025 |
| Fulton Bank Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $2,500 | Regular CD – 12 Month Variable Rate – rates vary by geographic location. Rate collected within 10025 |
| Bryn Mawr Trust Rates as of Sep. 8th |
1 year | 0.90% | 0.90% | $1,000 | Regular CD – Can open Online – Bank Located in PA |
| First Savings Bank Northwest Rates as of Sep. 8th |
1 year | 0.85% | 0.87% | $1,000 | 12 month CD – tier $1,000 to $4,999 |
| Allstate Bank Rates as of Sep. 8th |
1 year | 0.85% | 0.85% | $1,000 | Accounts can be opened with an Allstate agent or by online application |
| The Antwerp Exchange Bank Rates as of Sep. 8th |
1 year | 0.85% | 0.85% | $500 | 12 Month CD |
| M and T Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.85% | $1,000 | Select Promo 12 Month CD – Requires an M and T Select or Select with Interest checking account – Rate collected within: 60625 (IL) | |
| M and T Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.85% | $1,000 | Select Promo 12 Month CD – Requires an M and T Select or Select with Interest checking account – Rate collected within: 94115 (CA) | |
| M and T Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.85% | $1,000 | Select Promo 12 Month CD – Requires an M and T Select or Select with Interest checking account – Rate collected within: 10025 (NY) | |
| First National Bank of Kansas Rates as of Sep. 8th |
1 year | 0.85% | 0.85% | $500 | |
| AmTrust Direct Rates as of Sep. 8th |
1 year | 0.85% | 0.85% | $1,000 | |
| Merchants Bank (mbvt.com) Rates as of Sep. 8th |
1 year | 0.85% | 0.85% | $500 | 12-23 Month CD – Located in Vermont |
| E-Loan Rates as of Sep. 8th |
1 year | 0.85% | 0.85% | $10,000 | |
| Valley National Bank Rates as of Sep. 8th |
1 year | 0.80% | 0.80% | $500 | 12 Month CD |
| Citizens Savings Bank Rates as of Sep. 8th |
1 year | 0.80% | 0.80% | $1,000 | 12 Month CD – Located in Pennsylvania |
| Stonebridge Bank Rates as of Sep. 8th |
1 year | 0.80% | $500 | ||
| North Dallas Bank and Trust Co. Rates as of Sep. 8th |
1 year | 0.80% | 0.80% | $1,000 | Regular CD – Under $100,000 |
| Sterling Bank and Trust Rates as of Sep. 8th |
1 year | 0.80% | $500 | eCD – APY’s may vary by state | |
| Simsbury Bank Rates as of Sep. 8th |
1 year | 0.80% | $500 | 1 Year Regular CD – No minimum balance required to earn stated APY | |
| The First Rates as of Sep. 8th |
1 year | 0.80% | 0.80% | $500 | |
| Bank of the Commonwealth Rates as of Sep. 8th |
1 year | 0.80% | $0 | APY for balances up to $999 | |
| Zions Bank Rates as of Sep. 8th |
1 year | 0.80% | 0.80% | $1,000 | Internet CD |
| First State Bank of Wyoming Rates as of Sep. 8th |
1 year | 0.80% | 0.80% | $1,000 | 12 Month CD |
| Community First Bank – Chicago Rates as of Sep. 8th |
1 year | 0.78% | 0.78% | $1,000 | |
| Bank Gloucester Rates as of Sep. 8th |
1 year | 0.75% | 0.76% | $500 | 12 Month CD Tier $500 – $49,999 |
| VisionBank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $500 | |
| First National Bank of McConnelsville Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $1,000 | 12 Month CD |
| Allied First Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $500 | |
| Silvergate Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $2,500 | Rate for balances up to $99,999 |
| Poplar Grove State Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $1,000 | |
| Seacoast Commerce Bank Rates as of Sep. 8th |
1 year | 0.75% | $10,000 | Bank by Mail CD | |
| OnBank Rates as of Sep. 8th |
1 year | 0.75% | $500 | ||
| Cornerstone Community Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $10,000 | 12 Month CD |
| First Chicago Bank and Trust Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $1,000 | |
| Farmington Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $500 | |
| Amegy Bank of Texas Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $10,000 | Personal Internet CD – open online |
| Zions Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $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. |
| Centennial Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $10,000 | from CentennialBank.com |
| MB Financial (Rate in IL) Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $1,000 | 12-17 Month CD – Accounts under $100,000 – Rate collected within Chicago, IL |
| Skylands Community Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $1,000 | |
| Transportation Alliance Bank Rates as of Sep. 8th |
1 year | 0.75% | 0.75% | $1,000 | |
| First Community Bank (fcbwky.com) Rates as of Sep. 8th |
1 year | 0.71% | $500 | 11 Month CD – Located in Kentucky | |
| Provident Bank (providentbanking.com) Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $500 | Regular CD – Limited to New York market area |
| HSBC Advance Rates as of Sep. 9th |
1 year | 0.70% | $10 | Online only | |
| Southern Bank and Trust Company Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $500 | 12-17 month CD – tier $500 to $9,999 |
| Banterra Bank (Rate in MO) Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $1,000 | Rate collected within: MO |
| Banterra Bank (Rate in KY) Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $1,000 | Rate collected within: KY |
| NewPortFed Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $1,000 | |
| Haskell National Bank Rates as of Sep. 9th |
1 year | 0.70% | 0.70% | $500 | |
| Banterra Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $1,000 | Rate collected within: IL |
| Citizens First Bank Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $500 | 12 Month CD Tier $500 – $9999 – Located in Wisconsin |
| Commonwealth Community Bank Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $500 | 12 Month CD |
| First Shore Federal Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $500 | 12 Month CD |
| Bank of Charles Town Rates as of Sep. 8th |
1 year | 0.70% | 0.70% | $1,000 | 12 Month CD |
| Main Bank Rates as of Sep. 8th |
1 year | 0.67% | 0.67% | $1,000 | 12 Month CD |
| American Bank of Texas Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $1,000 | 12 Month CD Tier $1,000 – $9,999 – Apply online or at branch |
| CoreFirst Bank and Trust Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $1,000 | |
| Libertyville Bank and Trust Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $1,000 | 12 Month CD |
| Bank of America (Rate in NY) Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $10,000 | Standard 12-17 Month CD – Tier Less than $10,000 – Rate collected within: NY |
| Fox Chase Bank (Rate in PA) Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $500 | 12 Month CD – Rate collected within PA |
| Bank of America (Rate in IL) Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $1,000 | Standard 12-17 Month CD – Tier Less than $10,000 – Rate collected within: IL |
| North Shore Community Bank and Trust Company Rates as of Sep. 7th |
1 year | 0.65% | 0.65% | $1,000 | |
| Fox Chase Bank (Rate in NJ) Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $500 | 12 Month CD – Rate collected within NJ |
| Bank of America (Rate in CA) Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $1,000 | Standard 1 Year to 23 Month CD – Tier Less than $10,000 – Rate collected within: CA |
| Valley Community Bank Rates as of Sep. 8th |
1 year | 0.65% | 0.65% | $1,000 | |
| Weymouth Bank Rates as of Sep. 8th |
1 year | 0.63% | 0.64% | $5,000 | Regular CD – South Shore Massachusetts market area |
| Palatine Bank and Trust Rates as of Sep. 8th |
1 year | 0.62% | 0.62% | $1,000 | |
| Union Bank Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $350 | 12 – 17 Month CD, Tier $350 – $999 |
| Eastern Bank Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $500 | |
| Citibank Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $500 | 1 Year CD – Tier below $10,000 – Online account only |
| First National Bank of St. Louis Rates as of Sep. 8th |
1 year | 0.60% | $1,000 | 12 month CD | |
| Citizens Trust Bank Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $500 | New customers must open in branch-limited to Georgia |
| First Bank of Colorado (Rate in CA) Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $500 | Time Deposit Account – Interest rate is fixed of the term for the account – Rate collected within CA |
| First Bank of Colorado (Rate in AZ) Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $500 | Time Deposit Account – Interest rate is fixed of the term for the account – Rate collected within AZ |
| Peoples Bank (peoplesbank-wa.com) Rates as of Sep. 8th |
1 year | 0.60% | $500 | Rate collected within: Whatcom County, WA | |
| Bank of The Valley Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $500 | |
| First Bank of Colorado (Rate in CO) Rates as of Sep. 8th |
1 year | 0.60% | 0.60% | $500 | Time Deposit Account – Interest rate is fixed of the term for the account – Rate collected within CO |
| Lee County Bank and Trust, NA Rates as of Sep. 8th |
1 year | 0.57% | 0.58% | $1,000 | 12 Month CD |
| PNC Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.55% | 0.55% | $1,000 | 12 Month Fixed Rate CD Only – Rate collected within: 94115 (CA) |
| Provident Bank (myprovident.com) Rates as of Sep. 8th |
1 year | 0.55% | $1,000 | Time Deposit Tier $1,000 – $9,999 – Receive an added .25% to the quoted APY when you open a checking account with direct deposit, bonus also available to existing direct deposit checking customers – Located in CA | |
| PNC Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.55% | 0.55% | $1,000 | 12 Month Fixed Rate CD Only – Rate collected within: 60625 (IL) |
| MB Financial (Rate in PA) Rates as of Sep. 8th |
1 year | 0.55% | 0.55% | $1,000 | 12-17 Month CD – Accounts under $100,000 – Rate collected within Philadelphia, PA |
| PNC Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.55% | 0.55% | $1,000 | 12 Month Fixed Rate CD Only – Rate collected within: 10025 (NY) |
| Alliance Bank (alliancebankna.com) Rates as of Sep. 8th |
1 year | 0.55% | 0.55% | $1,000 | Tier $1,000 – $9,999 – Located in New York |
| Superior Savings Bank Rates as of Sep. 8th |
1 year | 0.52% | 0.52% | $500 | 12 Month CD – SSB does not accept CD or Savings applications out of the Superior WI and surrounding area unless there is previous or existing account on record |
| Capital One Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $5,000 | Non-Jumbo CD – Rate collected within: 94115 (CA) |
| Somerset Hills Bank Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $1,000 | |
| Commercial Bank and Trust of Pennsylvania Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $500 | 12-23 Month CD |
| Susquehanna Bank Rates as of Sep. 7th |
1 year | 0.50% | 0.50% | $500 | 12 – 17 Month Fixed Rate CD Tier $500 – $49,999 |
| First Tennessee Bank Rates as of Sep. 8th |
1 year | 0.50% | $1,000 | Regular 12 Month CD – Open online | |
| Capital One Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $5,000 | Non-Jumbo CD – Rate collected within: 10025 (NY) |
| American Bank Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $1,000 | Located in TX, Fixed Rate-Money Market CD with limited check writing privileges. |
| Astoria Federal Savings Bank Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $500 | |
| First Midwest Bank Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $1,000 | |
| MetLife Bank Rates as of Sep. 8th |
1 year | 0.50% | $15,000 | APY for balances up to $24,999 | |
| First Financial Bank Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $500 | 12-17 Month Auto CD |
| Capital One Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $5,000 | Non-Jumbo CD – Rate collected within: 60625 (IL) |
| Standing Stone National Bank Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $500 | |
| First Federal Savings and Loan Association of Lakewood Rates as of Sep. 8th |
1 year | 0.50% | 0.50% | $500 | |
| Sovereign Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.45% | 0.45% | $500 | 12 Month Rising Rate CD – $500 – $9,999 – Rate collected within: 94115 (CA) |
| Sovereign Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.45% | 0.45% | $500 | 12 month Rising Rate CD – $500-$9999 – Rate collected within: 94115 (CA) |
| Sovereign Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.45% | 0.45% | $500 | 12 month Rising Rate CD – $500-$9999 – Rate collected within: NY |
| PeoplesBank (bankatpeoples.com) Rates as of Sep. 8th |
1 year | 0.45% | 0.45% | $1,000 | Located in Massachusetts |
| Comerica Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.40% | $1,000 | 1 year Fixed Rate CD Tier $0 – $2,499 – Rate collected in: 10025 (NY) | |
| MetLife Bank Rates as of Sep. 8th |
1 year | 0.40% | $2,000 | APY for balances up to $14,999 | |
| Harris Bank (Rate in CA) Rates as of Sep. 9th |
1 year | 0.40% | 0.40% | $1,000 | 12 Month CD – Rate collected within: 94115 (CA) |
| Harris Bank (Rate in IL) Rates as of Sep. 9th |
1 year | 0.40% | 0.40% | $1,000 | 12 Month CD – Rate collected within: 60625 (IL) |
| Harris Bank (Rate in NY) Rates as of Sep. 9th |
1 year | 0.40% | 0.40% | $1,000 | 12 Month CD – Rate collected within: 10025 (NY) |
| HSBC Rates as of Sep. 9th |
1 year | 0.40% | $1,000 | 1 Year Plus 1 Day CD – Option to increase APY with HSBC Premier or Plus Checking – Stated rate is for accounts opened at an HSBC branch or by phone | |
| First Bank Des Moines Rates as of Sep. 8th |
1 year | 0.40% | 0.40% | $10,000 | 12-23 Month CD – Limited to Iowa residents only, other restrictions may apply |
| TD Bank (Rate in DC) Rates as of Sep. 8th |
1 year | 0.40% | $250 | No Catch 12 Month CD – Rate collected within: Washington DC | |
| TD Bank (Rate in FL) Rates as of Sep. 8th |
1 year | 0.40% | $250 | No Catch 12 Month CD – Rate collected within: Florida (FL) | |
| Comerica Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.40% | $1,000 | 1 year Fixed Rate CD Tier $0 – $2,499 – Rate collected in: 60625 (IL). | |
| TD Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.40% | $250 | No Catch 12 Month CD – Rate collected within: New York NY | |
| First Southern Bank Rates as of Sep. 8th |
1 year | 0.40% | 0.40% | $1,000 | 12 Month CD |
| Charles Schwab Bank Rates as of Sep. 8th |
1 year | 0.40% | 0.40% | $1,000 | 12 Month CD Tier $1,000 – $4,999 |
| Middletown Valley Bank Rates as of Sep. 8th |
1 year | 0.35% | 0.35% | $1,000 | |
| Bank of Oklahoma Rates as of Sep. 8th |
1 year | 0.35% | 0.35% | $1,000 | 1 Year CD – Less than $100,000 |
| Zions Bank Rates as of Sep. 8th |
1 year | 0.35% | 0.35% | $1,000 | Regular CD |
| Commerce Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.35% | 0.35% | $1,000 | 1 Year CD Tier – Up to $9,999 – Rate collected within: 60625 (IL) |
| Commerce Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.35% | 0.35% | $1,000 | 1 Year CD Tier – Up to $9,999 – Rate collected within: 10025 (NY) |
| Commerce Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.35% | 0.35% | $1,000 | 1 Year CD Tier – Up to $9,999 – Rate collected within: 94115 (CA) |
| Frost Bank Rates as of Sep. 8th |
1 year | 0.35% | $1,000 | Rate applies to balances from $1,000 to $99,999.99. Tiered rates apply. | |
| Fifth Third Bank Rates as of Sep. 3rd |
1 year | 0.30% | 0.30% | $10,000 | 12 – 24 Month Standard CD Tier $10,000 – $24,999 – Rate collected within: 60625 (IL) |
| Citizens Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.30% | $1,000 | Standard CD – Rate collected within: 10025 (NY) | |
| Citizens Bank (Rate in PA) Rates as of Sep. 8th |
1 year | 0.30% | $1,000 | Standard CD – Rate collected within: 19140 (PA) | |
| Citizens Bank (Rate in MA) Rates as of Sep. 8th |
1 year | 0.30% | $1,000 | Standard CD – Rate collected within: 02144 (MA) | |
| Comerica Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.30% | $1,000 | Fixed Rate CD Tier $0 – $2,499 – Rate collected in: 94115 (CA) | |
| Comerica Bank Rates as of Sep. 8th |
1 year | 0.30% | $1,000 | Fixed Rate CD Tier $0 – $2,499 – Rate collected in: 94115 (CA) | |
| Citizens Bank Rates as of Sep. 8th |
1 year | 0.30% | $1,000 | Standard CD – Rate collected within: 10025 (NY) | |
| Stifel Bank and Trust Rates as of Sep. 8th |
1 year | 0.25% | 0.25% | $1,000 | 12 Month CD |
| The Huntington National Bank (Rate in MI) Rates as of Sep. 8th |
1 year | 0.23% | 0.23% | $1,000 | 12 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 49120 (MI) |
| Chase (Rate in CA) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $1,000 | 12 – 17 Month Standard CD – Non Relationship Rate – Rate collected within: 94115 (CA) |
| KeyBank (Rate in OH) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $2,500 | 12 Month Key Tiered CD with Relationship Reward – Must have a KeyBank checking account – $2,500 -$9,999 – Rate collected within: 44125 (OH) |
| Wells Fargo Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.20% | $2,500 | Standard 1 Year CD Tier $2,500 – $9,999 – Rate collected within: CA | |
| Chase (Rate in NY) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $1,000 | 12 – 17 Month Standard CD – Non Relationship Rate – Rate collected within: 10025 (NY) |
| Chase (Rate in IL) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $1,000 | 12 – 17 Month Standard CD – Non Relationship Rate – Rate collected within: 60625 IL) |
| Watertown Savings Bank (watertownsavings.com) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $1,000 | Regular CD – Located in MA |
| First National Bank Omaha Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $500 | 12 Month Base CD – Higher rates available for checking customers |
| Wachovia Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.20% | $2,500 | Standard 1 Year CD – Tier $2,500 – $9,999 – Rate collected within: NY | |
| Wachovia Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.20% | $2,500 | Standard 1 Year CD – Tier $2.500 – $9,999 – Rate collected within: IL | |
| KeyBank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $2,500 | 12 Month Key Tiered CD with Relationship Reward – Must have a KeyBank checking account – $2,500 -$9,999 – Rate collected within: 10025 (NY) |
| The Huntington National Bank (Rate in OH) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $1,000 | 12 Month Standard Rate CD <100K - $1,000 - $9,999 - Rate collected within: 43215 (OH) |
| The Huntington National Bank (Rate in KY) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $1,000 | 12 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 41017 (KY) |
| Wells Fargo Bank (Rate in IL) Rates as of Sep. 8th |
1 year | 0.20% | $2,500 | Standard 1 Year CD Tier $2,500 – $9,999 – Rate collected within: IL | |
| KeyBank (Rate in WA) Rates as of Sep. 8th |
1 year | 0.20% | 0.20% | $2,500 | 12 month Key Tiered CD with Relationship Reward – Must have a KeyBank checking account – $2,500 -$9,999 – Rate collected within: 98101 (WA) |
| Wells Fargo Bank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.20% | $2,500 | Standard 1 Year CD Tier $2,500 – $9,999 – Rate collected within: NY | |
| Wachovia Bank (Rate in CA) Rates as of Sep. 8th |
1 year | 0.20% | $2,500 | Standard 1 Year CD – Tier $2,500 – $9,999 – Rate collected within: CA | |
| Regions Bank Rates as of Sep. 8th |
1 year | 0.15% | 0.15% | $500 | 12 – 17 Month CD – Rate collected within: 63102 (MO) |
| Bremer Bank Rates as of Sep. 8th |
1 year | 0.15% | $500 | Tiered rates – Stated rate applies to balances $500 – $9,999 | |
| KeyBank (Rate in NY) Rates as of Sep. 8th |
1 year | 0.10% | 0.10% | $2,500 | 12 Month Key Tiered CD without Relationship Reward – $2,500 -$9,999 – Rate collected within: 10025 (NY) |
| KeyBank Rates as of Sep. 8th |
1 year | 0.10% | 0.10% | $2,500 | 12 Month CD Tier $2,500 – $9,999 – Without Relationship – Rate collected within: 10025 (NY) |
| KeyBank (Rate in OH) Rates as of Sep. 8th |
1 year | 0.10% | 0.10% | $2,500 | 12 Month Key Tiered CD without Relationship Reward – $2,500 -$9,999 – Rate collected within: 44125 (OH) |
| KeyBank (Rate in WA) Rates as of Sep. 8th |
1 year | 0.10% | 0.10% | $2,500 | 12 Month Key Tiered CD without Relationship Reward – $2,500 -$9,999 – Rate collected within: 98101 (WA) |
What follows is a list of the best CD rates at ten well-known, nationally-available banks. Rates are for 12 months CDs unless otherwise indicated I’ve sorted the list based on APY, and have also indicated the minimum deposit to open a CD.
Best CD Rates (12 Month Term)
(All CD rates current as of 09/07/2010)
| Bank | CD Rate | Minimum |
|---|---|---|
| Everbank | 1.15% | $1,500 |
| ING Direct | 1.00% | $1 |
| Ally Bank effective 09/07/2010 | 1.44% | $1 |
| Bank of Internet | 1.48% | $1,000 |
| Discover Bank | 1.45% | $2,500 |
| HSBC Direct | 0.70% | $10 |
| Citibank | 0.70% | $500 |
*Rate applies to sixteen month CDs.
For the sake of comparison, check out my list of the best online savings account interest rates. Right now, there’s not a whole lot of difference. However, the CD rates listed here can be locked in such that they won’t drop over the next year. With savings accounts, things may well get worse before they get better.
Finally, if you’re looking for a higher yield and don’t mind taking on some additional risk, you might want to check out Lending Club. It’s not FDIC-insured, but annual returns have been averaging 9.61% — far better than the best CD rates on the market. It’s free to open an account, and you can get started with as little as $25.
Published on July 15th, 2009 - 3 Comments
Filed under: Banking, Saving & Investing
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About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!
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July 15th, 2009 at 11:38 am
I didn’t look to see if one would be better over the other, but wouldn’t it make more sense to invest in the savings installment-type of savings account, such as what Wilshire Bank offers? I know there’s always the possibility of rates getting cut, but if you go with one year, like you mentioned in your post, the risk is low.
Just a thought….
May 5th, 2010 at 8:07 pm
I was shocked to see that American Express offer a 1.49%. I am going to try out for a year and see how the market is next year. Have you tried the Lending Club, it seems really good but it also seems very uncertain.
June 3rd, 2010 at 8:54 am
We’re definitely looking for ways to store our money at a better rate, now that our house is going to be paid off in a couple months. The money will start piling up once we’re no longer making a mortgage and extra principal payment every month. We have a pretty high savings rate right now – it’s one of those high rate checking accounts. But it maxes out at $30K; won’t pay interest on balances above that. We’ve already maxed out that account. But I had hopes that CD rates would be higher than the ones on here. Bummer.