Today's Best CD Rates

Want to put your savings on steroids? A certificate of deposit (CD) is FDIC insured and offers a higher yield than savings. Depending on the bank's policies, you can withdraw your money early from a CD, pay the penalty (usually a reduction in interest) and still make more interest than leaving it in a savings account for that same amount of time. You earn the most when you get the highest yield available for the longest period of time. You'll find the new CD account sign up process easy - just link your current checking account to fund your new online CD.

Below is a list of some of the best CD rates for 6 mo, 1 yr, 2 yr, 3 yr and 5 yr certificates of deposit.

For even better rates than you see on this page, sign up for our newsletter to get exclusive access to market beating rates.

# Bank APY Duration Compounded Min. Deposit Date Changed Outgoing Link
2 Nationwide Bank 2.25% 5 Year CD Daily $500 01/30/2015
3 GE Capital Bank 2.25% 5 Year CD Daily $500 01/30/2015
4 Barclays 2.25% 5 Year CD Daily $0 01/30/2015
5 Synchrony Bank 2.25% 5 Year CD Daily $25,000 01/30/2015
6 Sallie Mae 2.10% 5 Year CD Daily $2,500 01/30/2015
7 First Internet Bank of Indiana 2.10% 5 Year CD Monthly $1,000 01/30/2015
8 Discover Bank 2.10% 5 Year CD Daily $2,500 01/30/2015
9 State Farm Bank 2.00% 5 Year CD Daily $500 01/30/2015
10 Chartway Federal Credit Union 1.86% 5 Year CD Quartely $10,000 01/30/2015
11 HeritageWest Credit Union 1.86% 5 Year CD Quartely $10,000 01/30/2015
12 Home Savings Bank 1.85% 5 Year CD Daily $10,000 01/30/2015
13 VirtualBank 1.81% 5 Year CD Monthly $10,000 01/30/2015
14 AloStar Bank of Commerce 1.75% 5 Year CD Daily $1,000 01/30/2015
15 Third Federal Savings and Loan 1.75% 5 Year CD Quartely $500 01/30/2015
16 American Bank 1.70% 5 Year CD Daily $500 01/30/2015
17 Astoria Bank 1.65% 5 Year CD Daily $500 01/30/2015
18 Pentagon Federal Credit Union 1.61% 5 Year CD Daily $1,000 01/30/2015
19 giantbank.com 1.61% 5 Year CD Daily $2,500 01/30/2015
20 Presidential Bank, FSB 1.54% 5 Year CD Monthly $1,000 01/30/2015
21 E-LOAN 1.51% 5 Year CD Daily $10,000 01/30/2015
22 TAB Bank 1.51% 5 Year CD Daily $1,000 01/30/2015
23 Fidelity Bk of FL, N.A 1.50% 5 Year CD Monthly $5,000 01/30/2015
24 Colorado Federal Savings Bank 1.50% 5 Year CD Daily $5,000 01/30/2015
25 TIAA Direct 1.49% 5 Year CD Daily $1,000 01/30/2015
26 Doral Direct 1.49% 5 Year CD Daily $500 01/30/2015
27 Lone Star Bank 1.49% 5 Year CD Daily $1,000 01/30/2015
28 EH National Bank 1.46% 5 Year CD Daily $10,000 01/30/2015
29 5 Star Bank 1.40% 5 Year CD Daily $1,000 01/30/2015
30 Bank of Internet USA 1.35% 5 Year CD Daily $1,000 01/30/2015
31 Goldwater Bank 1.20% 5 Year CD Daily $5,000 01/30/2015
32 Bangor Savings Bank 1.16% 5 Year CD Monthly $500 01/30/2015
33 USAA 1.06% 5 Year CD Monthly $1,000 01/30/2015
34 Intervest National Bank 1.00% 5 Year CD Daily $2,500 01/30/2015
35 Heritage Bank 0.93% 5 Year CD Annually $1,000 01/30/2015
# Bank APY Duration Compounded Min. Deposit Date Changed Outgoing Link
2 Synchrony Bank 1.50% 3 Year CD Daily $2,000 01/30/2015
3 Discover Bank 1.45% 3 Year CD Daily $2,500 01/30/2015
4 GE Capital Bank 1.45% 3 Year CD Daily $500 01/30/2015
5 Sallie Mae 1.45% 3 Year CD Daily $2,500 01/30/2015
6 Barclays 1.45% 3 Year CD Daily $0 01/30/2015
7 First Internet Bank of Indiana 1.45% 3 Year CD Monthly $1,000 01/30/2015
8 California First National Bank 1.40% 3 Year CD Monthly $5,000 01/30/2015
9 My e-BAnC by BAC Florida Bank 1.40% 3 Year CD Daily $500 01/30/2015
10 Colorado Federal Savings Bank 1.40% 3 Year CD Daily $5,000 01/30/2015
11 giantbank.com 1.37% 3 Year CD Daily $2,500 01/30/2015
12 VirtualBank 1.36% 3 Year CD Monthly $10,000 01/30/2015
13 TIAA Direct 1.36% 3 Year CD Daily $1,000 01/30/2015
14 Lone Star Bank 1.36% 3 Year CD Daily $1,000 01/30/2015
15 State Farm Bank 1.35% 3 Year CD Daily $500 01/30/2015
16 AloStar Bank of Commerce 1.35% 3 Year CD Daily $1,000 01/30/2015
17 Pentagon Federal Credit Union 1.31% 3 Year CD Daily $1,000 01/30/2015
18 EverBank 1.28% 3 Year CD Daily $1,500 01/30/2015
19 Silvergate Bank 1.26% 3 Year CD Monthly $25,000 01/30/2015
20 Astoria Bank 1.25% 3 Year CD Daily $500 01/30/2015
21 Presidential Bank, FSB 1.23% 3 Year CD Monthly $1,000 01/30/2015
22 Fidelity Bk of FL, N.A 1.22% 3 Year CD Monthly $5,000 01/30/2015
23 EH National Bank 1.21% 3 Year CD Daily $10,000 01/30/2015
24 Doral Direct 1.17% 3 Year CD Daily $500 01/30/2015
25 Goldwater Bank 1.15% 3 Year CD Daily $5,000 01/30/2015
26 TAB Bank 1.14% 3 Year CD Daily $1,000 01/30/2015
27 E-LOAN 1.10% 3 Year CD Daily $10,000 01/30/2015
28 Home Savings Bank 1.05% 3 Year CD Daily $10,000 01/30/2015
29 5 Star Bank 1.00% 3 Year CD Daily $1,000 01/30/2015
30 USAA 0.91% 3 Year CD Monthly $1,000 01/30/2015
31 Bank of Internet USA 0.90% 3 Year CD Daily $1,000 01/30/2015
32 ableBanking, a division of Northeast Bank 0.90% 3 Year CD Daily $1,000 01/30/2015
33 1st Source Bank 0.80% 3 Year CD Annually $500 01/30/2015
34 HeritageWest Credit Union 0.80% 3 Year CD Quartely $10,000 01/30/2015
35 Chartway Federal Credit Union 0.80% 3 Year CD Quartely $10,000 01/30/2015
36 Bangor Savings Bank 0.75% 3 Year CD Monthly $500 01/30/2015
37 American Bank 0.60% 3 Year CD Daily $500 01/30/2015
38 Heritage Bank 0.60% 3 Year CD Annually $1,000 01/30/2015
  1. 1.29% APY 2 Year CD with Ally Bank

  2. Account Type: Certificate of Deposit (FDIC Insured)
  3. Minimum Deposit: $0
  4. Term: 2 Year CD
  5. Interest Compounded: Daily
  6. Advertiser Comments: Bank with Ally for rates among the most competitive in the country. Open & fund with any amount. Just press “0” to speak with a Customer Care Associate when you call, or go online to chat. Member FDIC
# Bank APY Duration Compounded Min. Deposit Date Changed Outgoing Link
2 Ally Bank 1.29% 2 Year CD Daily $0 01/30/2015 View Offer
3 Synchrony Bank 1.35% 2 Year CD Daily $2,000 01/30/2015
4 CIT Bank 1.35% 2 Year CD Daily $25,000 01/30/2015
5 My e-BAnC by BAC Florida Bank 1.31% 2 Year CD Daily $500 01/30/2015
6 California First National Bank 1.30% 2 Year CD Monthly $5,000 01/30/2015
7 Home Savings Bank 1.30% 2 Year CD Daily $10,000 01/30/2015
8 GE Capital Bank 1.30% 2 Year CD Daily $500 01/30/2015
9 First Internet Bank of Indiana 1.25% 2 Year CD Monthly $1,000 01/30/2015
10 AloStar Bank of Commerce 1.25% 2 Year CD Daily $1,000 01/30/2015
11 Colorado Federal Savings Bank 1.25% 2 Year CD Daily $5,000 01/30/2015
12 HeritageWest Credit Union 1.21% 2 Year CD Quartely $10,000 01/30/2015
13 Chartway Federal Credit Union 1.20% 2 Year CD Quartely $10,000 01/30/2015
14 Lone Star Bank 1.18% 2 Year CD Daily $1,000 01/30/2015
15 VirtualBank 1.16% 2 Year CD Monthly $10,000 01/30/2015
16 Silvergate Bank 1.16% 2 Year CD Daily $25,000 01/30/2015
17 Pentagon Federal Credit Union 1.16% 2 Year CD Daily $1,000 01/30/2015
18 Barclays 1.15% 2 Year CD Daily $0 01/30/2015
19 Discover Bank 1.15% 2 Year CD Daily $2,500 01/30/2015
20 giantbank.com 1.11% 2 Year CD Daily $2,500 01/30/2015
21 Presidential Bank, FSB 1.10% 2 Year CD Monthly $1,000 01/30/2015
22 The Palladian PrivateBank 1.10% 2 Year CD Quartely $10,000 01/30/2015
23 Congressional Bank 1.10% 2 Year CD Daily $50,000 01/30/2015
24 Goldwater Bank 1.09% 2 Year CD Daily $5,000 01/30/2015
25 TIAA Direct 1.08% 2 Year CD Daily $1,000 01/30/2015
26 EH National Bank 1.06% 2 Year CD Daily $10,000 01/30/2015
27 Doral Direct 1.04% 2 Year CD Daily $500 01/30/2015
28 TAB Bank 1.01% 2 Year CD Daily $1,000 01/30/2015
29 E-LOAN 1.00% 2 Year CD Daily $10,000 01/30/2015
30 Pacific Mercantile Bank 0.90% 2 Year CD Daily $10,000 01/30/2015
31 USAA 0.81% 2 Year CD Monthly $1,000 01/30/2015
32 Bank of Internet USA 0.70% 2 Year CD Daily $1,000 01/30/2015
33 ableBanking, a division of Northeast Bank 0.70% 2 Year CD Daily $1,000 01/30/2015
34 NewDominion Bank 0.65% 2 Year CD Daily $1,000 01/30/2015
35 5 Star Bank 0.60% 2 Year CD Daily $1,000 01/30/2015
36 Bangor Savings Bank 0.50% 2 Year CD Monthly $500 01/30/2015
37 Fidelity Bk of FL, N.A 0.50% 2 Year CD Monthly $5,000 01/30/2015
38 State Farm Bank 0.50% 2 Year CD Daily $500 01/30/2015
  1. 1.05% APY 1 Year CD with Ally Bank

  2. Account Type: Certificate of Deposit (FDIC Insured)
  3. Minimum Deposit: $0
  4. Term: 1 Year CD
  5. Interest Compounded: Daily
  6. Advertiser Comments: Bank with Ally for rates among the most competitive in the country. Open & fund with any amount. Just press “0” to speak with a Customer Care Associate when you call, or go online to chat. Member FDIC
# Bank APY Duration Compounded Min. Deposit Date Changed Outgoing Link
2 Ally Bank 1.05% 1 Year CD Daily $0 01/30/2015 View Offer
3 Connexus Credit Union 1.30% 1 Year CD Quartely $5,000 01/30/2015
4 Synchrony Bank 1.20% 1 Year CD Daily $2,000 01/30/2015
5 BankDirect 1.17% 1 Year CD Daily $10,000 01/30/2015
6 California First National Bank 1.15% 1 Year CD Monthly $5,000 01/30/2015
7 Chartway Federal Credit Union 1.15% 1 Year CD Quartely $10,000 01/30/2015
8 HeritageWest Credit Union 1.15% 1 Year CD Quartely $10,000 01/30/2015
9 CIT Bank 1.15% 1 Year CD Daily $25,000 01/30/2015
10 Sallie Mae 1.15% 1 Year CD Daily $2,500 01/30/2015
11 My e-BAnC by BAC Florida Bank 1.15% 1 Year CD Daily $500 01/30/2015
12 Midwest Regional Bank 1.11% 1 Year CD Monthly $1,000 01/30/2015
13 GE Capital Bank 1.10% 1 Year CD Daily $500 01/30/2015
14 AloStar Bank of Commerce 1.10% 1 Year CD Daily $1,000 01/30/2015
15 Colorado Federal Savings Bank 1.10% 1 Year CD Daily $5,000 01/30/2015
16 Silvergate Bank 1.08% 1 Year CD Daily $25,000 01/30/2015
17 giantbank.com 1.06% 1 Year CD Daily $2,500 01/30/2015
18 TIAA Direct 1.01% 1 Year CD Daily $1,000 01/30/2015
19 Pentagon Federal Credit Union 1.00% 1 Year CD Daily $1,000 01/30/2015
20 Discover Bank 1.00% 1 Year CD Daily $2,500 01/30/2015
21 First Internet Bank of Indiana 1.00% 1 Year CD Monthly $1,000 01/30/2015
22 The Palladian PrivateBank 1.00% 1 Year CD Quartely $10,000 01/30/2015
23 VirtualBank 1.00% 1 Year CD Monthly $10,000 01/30/2015
24 Home Savings Bank 1.00% 1 Year CD Daily $10,000 01/30/2015
25 Congressional Bank 0.95% 1 Year CD Daily $50,000 01/30/2015
26 Goldwater Bank 0.95% 1 Year CD Daily $5,000 01/30/2015
27 Presidential Bank, FSB 0.95% 1 Year CD Monthly $1,000 01/30/2015
28 Doral Direct 0.90% 1 Year CD Daily $500 01/30/2015
29 EH National Bank 0.90% 1 Year CD Daily $10,000 01/30/2015
30 E-LOAN 0.85% 1 Year CD Daily $10,000 01/30/2015
31 Barclays 0.80% 1 Year CD Daily $0 01/30/2015
32 Lone Star Bank 0.80% 1 Year CD Daily $1,000 01/30/2015
33 USAA 0.71% 1 Year CD Monthly $1,000 01/30/2015
34 ableBanking, a division of Northeast Bank 0.65% 1 Year CD Daily $1,000 01/30/2015
35 TAB Bank 0.65% 1 Year CD Daily $1,000 01/30/2015
36 Pacific Mercantile Bank 0.65% 1 Year CD Daily $10,000 01/30/2015
37 NewDominion Bank 0.60% 1 Year CD Daily $1,000 01/30/2015
38 Bank of Internet USA 0.55% 1 Year CD Daily $1,000 01/30/2015
39 5 Star Bank 0.40% 1 Year CD Daily $1,000 01/30/2015
40 Fidelity Bk of FL, N.A 0.40% 1 Year CD Monthly $5,000 01/30/2015
41 American Bank 0.27% 1 Year CD Daily $500 01/30/2015
# Bank APY Duration Compounded Min. Deposit Date Changed Outgoing Link
2 HeritageWest Credit Union 1.21% 1 Yr. Jumbo CD Quartely $100,000 01/30/2015
3 Chartway Federal Credit Union 1.21% 1 Yr. Jumbo CD Quartely $100,000 01/30/2015
4 Synchrony Bank 1.20% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
5 My e-BAnC by BAC Florida Bank 1.17% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
6 BankDirect 1.17% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
7 Sallie Mae 1.15% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
8 AloStar Bank of Commerce 1.10% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
9 giantbank.com 1.06% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
10 Home Savings Bank 1.00% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
11 VirtualBank 1.00% 1 Yr. Jumbo CD Monthly $100,000 01/30/2015
12 Discover Bank 1.00% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
13 First Internet Bank of Indiana 1.00% 1 Yr. Jumbo CD Monthly $100,000 01/30/2015
14 EH National Bank 0.95% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
15 Doral Direct 0.90% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
16 E-LOAN 0.85% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
17 USAA 0.76% 1 Yr. Jumbo CD Monthly $100,000 01/30/2015
18 TAB Bank 0.65% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
19 ableBanking, a division of Northeast Bank 0.65% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
20 Bank of Internet USA 0.55% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
21 Luana Savings Bank 0.45% 1 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
22 5 Star Bank 0.40% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
23 American Bank 0.27% 1 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
24 Heritage Bank 0.23% 1 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
25 Mount McKinley Bank 0.18% 1 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
26 Intervest National Bank 0.18% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
27 Citizens Trust Bank 0.15% 1 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
28 State Farm Bank 0.10% 1 Yr. Jumbo CD Daily $100,000 01/30/2015
# Bank APY Duration Compounded Min. Deposit Date Changed Outgoing Link
2 CIT Bank 2.32% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
3 Nationwide Bank 2.30% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
4 Synchrony Bank 2.25% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
5 First Internet Bank of Indiana 2.10% 5 Yr. Jumbo CD Monthly $100,000 01/30/2015
6 Discover Bank 2.10% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
7 Sallie Mae 2.10% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
8 State Farm Bank 2.00% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
9 HeritageWest Credit Union 1.91% 5 Yr. Jumbo CD Quartely $100,000 01/30/2015
10 Chartway Federal Credit Union 1.91% 5 Yr. Jumbo CD Quartely $100,000 01/30/2015
11 Home Savings Bank 1.85% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
12 VirtualBank 1.81% 5 Yr. Jumbo CD Monthly $100,000 01/30/2015
13 Third Federal Savings and Loan 1.75% 5 Yr. Jumbo CD Quartely $100,000 01/30/2015
14 AloStar Bank of Commerce 1.75% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
15 American Bank 1.69% 5 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
16 Luana Savings Bank 1.66% 5 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
17 giantbank.com 1.61% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
18 E-LOAN 1.51% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
19 TAB Bank 1.51% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
20 EH National Bank 1.50% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
21 Doral Direct 1.49% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
22 5 Star Bank 1.40% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
23 Bank of Internet USA 1.35% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
24 Heritage Bank 1.13% 5 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
25 USAA 1.11% 5 Yr. Jumbo CD Monthly $100,000 01/30/2015
26 Intervest National Bank 1.00% 5 Yr. Jumbo CD Daily $100,000 01/30/2015
27 Mount McKinley Bank 0.90% 5 Yr. Jumbo CD Simple Interest $100,000 01/30/2015
28 Citizens Trust Bank 0.40% 5 Yr. Jumbo CD Simple Interest $100,000 01/30/2015

Learn More - Top Certificate of Deposit Rates

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APY Information
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  • Min. Deposit: 0
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CD Rates Offered Now

Institution Information APY
  • Min. Deposit: $0
  • Term: 2 Year
  • Compounded: Daily
1.29% Fri Jan 30 Next
  • Min. Deposit: $0
  • Term: 1 Year
  • Compounded: Daily
1.05% Fri Jan 30 Next

Institutions may have different rates on other sites. Identify yourself as a Bankrate.com customer for these rates. Rates are subject to change. Some institutions pay for links, though many do not. All institutions insured by FDIC. Powered by:

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CD Rates Offered Now

Institution Information APY
  • Min. Deposit: $0
  • Term: 2 Year
  • Compounded: Daily
1.29% Fri Jan 30 Next
  • Min. Deposit: $0
  • Term: 1 Year
  • Compounded: Daily
1.05% Fri Jan 30 Next




Institutions may have different rates on other sites. Identify yourself as a Bankrate.com customer for these rates. Rates are subject to change. Some institutions pay for links, though many do not. All institutions insured by FDIC. Powered by:

Rates are accurate and available as of the date specified for Bankrate customers. Rates are subject to change without notice and may vary branch to branch. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.
Quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit Union deposits are insured by the National Credit Union Administration. Many institutions have different rates on their own websites than those posted on Bankrate.com. If you believe you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the institution you choose, please let us know.
Bankrate.com's Safe & Sound® service provides ratings information on the relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions. Five stars is superior, one star is lowest rated. For more information click here. Powered by:





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