Below is our guide to help you, our readers, find the best CD rates based on your specific needs. In summary, certificate of deposits, otherwise known as CDs, will offer you the best return on your money when you invest it with your bank or credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Interested in certain terms only? See below for our list of the best CD rates in the following terms:
- Top 6 or 9-Month CD Rates
- Top 1-Year CD Rates
- Top 18-Month CD Rates
- Top 2-Year CD Rates
- Top 3-Year CD Rates
- Top 4-Year CD Rates
- Top 5-Year CD Rates
Table of Contents
- 1 Certificate of Deposits – What You Need To Know
- 2 Where Do I Open A CD Account?
- 3 Top 6- or 9-Month CD Rates – Nationwide
- 4 Top 6- or 9-Month CD Rates – State/Local
- 5 Top 1-Year CD Rates – Nationwide
- 6 Top 1-Year CD Rates – State/Local
- 7 Top 18-Month CD Rates – Nationwide
- 8 Top 18-Month CD Rates – State/Local
- 9 Top 2-Year CD Rates – Nationwide
- 10 Top 2-Year CD Rates – State/Local
- 11 Top 3-Year CD Rates – Nationwide
- 12 Top 3-Year CD Rates – State/Local
- 13 Top 4-Year CD Rates – Nationwide
- 14 Top 4-Year CD Rates – State/Local
- 15 Top 5-Year CD Rates – Nationwide
- 16 Top 5-Year CD Rates – State/Local
Certificate of Deposits – What You Need To Know
What is a Certificate of Deposit?
- CDs in a nutshell is a deposit account in which you earn a fixed interest rate over a decided term length. The primary difference with a certificate of deposit in comparison with checking and savings accounts is the inability to access your money, without penalty, until the term is over.
Should I choose CDs or Checking and/or Savings Accounts.
- CDs will overall give you higher interest rates, thus a better return on your money over traditional checking and savings accounts. There are a banks that offer “high yield” checking and savings accounts, but these types of accounts have requirements such as having direct deposit, minimum transaction requirements, etc. As even for the best savings accounts, the rates may be comparable but usually up to 12-month term CDs. Other than that, CDs take the lead.
How Do I Know My Money Is Safe? Are CD Accounts Insured?
- Absolutely. CDs are FDIC-insured by banks up to $250,000 per account. (NCUA-insured for credit unions).
Are There Any Special Requirements For CDs?
- One of the best things about CDs is that CDs are low maintenance. For example when you decide to invest in a CD, you decide on a term length, make the minimum deposit requirement, and just let the money take its course over time to accrue interest. Keep in mind to pay close attention to your CD when it comes close to reaching its maturity (end of term). If you do not, most banks will automatically renew the CD when it reaches its maturity, so make sure you set up some type of alert for yourself to allow yourself to cancel (if you want) once the CD is is over or near over.
What Are The Cons Or Disadvantages Of CDs?
- Aside from letting interest accrue on the money you have invested, one of the downsides to CDs is that you do not have access to your money if you do not want to incur any sort of penalty. It is best to let your CD reach maturity without touching the money to maximize your return on investment (ROI). The best rates available for CDs are those with terms greater than a year; the longer the term, the higher the rate. Defintely do some budgeting and planning prior to investing your money in a CD. It’s best if you set aside some money as a safety cushion in case there is an emergency, so you do not incur penalty fees taking out money from a maturing CD.
Where Do I Open A CD Account?
A vast majority of us are only familiar with the local traditional banks that we see when we make our daily commutes or do day-to-day business with. With the convenience of visiting a physical branch, the problem with traditional brick-and-mortar banks (physical banks) is that the rates are often very low in comparison to credit unions and online banks due to overhead costs of operating a physical bank.
National Bank CD Rates
The bigger banks that we are all familiar with actually offer the lowest rates on CDs due to the fact that these banks have such a large customer base whom generally have a lack of knowledge on CDs. If you have a preference to open a CD with a physical bank due to convenience, by all means, but there is definitely better options and rates out there.
Regional Bank CD Rates
Regional banks have a significant customer base like national banks do, but these banks do offer better rates for most CD terms. The other difference between national and regional bank CD rates offerings is that these CD accounts are only available to those who reside in a region where the bank operates.
Credit Union CD Rates
Compared to national and regional banks, credit unions offer better rates a good portion of the longer termed CDs. Credit Unions are institutions created and operated by their members. Not only are there regional restrictions, you’ll also have to deal with becoming a member to take advantage of these CD rates.
Online Bank CD Rates
Just like any other interest bearing accounts, online banks are the way to go for the best rates. If you’re looking for a place to invest your money in whether it be online or at a physical branch, online banks is going to be your best bet! Many benefits include higher rates, not having to visit your local bank or credit union for the same ordeal, no worries about becoming a member, etc. Also, because these banks operate online, majority of these online banks is made available to everyone nationwide.
*Disclaimer* These rates could change daily, so make sure to confirm the latest rates by visiting the bank site directly using our links below. You’ll find the best CD rates from all the best banks ranked from highest to lowest based on CD term. Listed are the Annual Percentage Yields (APYs) and Length of the CD.
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | BBVA Compass Bank 18-Month CD Account | $500 | 2.00% |
| Bank/Credit Union | Best CD Feature/Offer | Review |
|---|---|---|
| CIT Bank | Earn 2.05% APY on a 11-Month No Penalty CD! | Review |
| CIT Bank | Earn up to 2.50% APY for CD Terms! | Review |
| Discover Bank | Earn up to 3.10% APY for CD Terms! | Review |
| BBVA Compass Bank | Earn 2.00% APY on a 18 or 36-Month CD Account | Review |
| BBVA Compass Bank | Earn 2.25% APY on a 36-Month CD Account | Review |
| Barclays | Earn up to 3.10% APY on a 60-Month Term CD! | Review |
| EverBank | Earn up to 2.85% APY on a 60-month term! | Review |
| Synchrony Bank | Earn up to 3.10% APY! | Review |
Top 6- or 9-Month CD Rates – Nationwide
| Bank/Credit Union | % APY Rate | Review |
|---|---|---|
| Keesler Federal Credit Union | 5.00% 7-Month Term ($1k min) | Review |
| Premier America Credit Union | 3.15% APY 16-Month CD ($1k min) | Review |
| Andrews Federal Credit Union | 2.86% APY 8-Month CD ($1k min) | Review |
| Advancial | 2.85% APY 6-Month Term, 2.71% APY 3-Month Term CD ($1k-50K min) | Review |
| MutualOne Bank | 2.78% 7-Month CD ($500/$5K Min) | Review |
| Andrews Federal Credit Union | 2.75% 9-Month CD | Review |
| Montgomery County Employees Federal Credit Union | 2.53% 9-Month CD (1K Min) | Review |
| Popular Direct | 2.49% 6-Month CD, (10K Min) | Review |
| Virtual Bank | 2.46% 6-Month CD (10K Min) | Review |
| CD Bank | 2.45% 9-Month CD ($10K Min) | Review |
| Live Oak Bank | 2.45% on 6-Month CD ($2.5K Min) | Review |
| My e-BAnC | 2.45% 6-Month CD ($5K Min) | Review |
| Dollar Savings Direct | 2.40% 6-Month CD ($1K Min) | Review |
| EmigrantDirect | 2.40% 6-Month CD ($1K Min) | Review |
| MySavingsDirect | 2.40% 6-Month CD ($1,000 min) | Review |
| Vio Bank | 2.40% 9-Month CD ($500 min) | Review |
| Citizens Access | 2.35% 6-Month CD (5k Min) | Review |
| Fidelity | 2.35% Non-Callable 9-Month CD | Review |
| Limelight Bank | 2.35% 6-Month CD (1K Min) | Review |
| Service Credit Union | 2.20% 9-Month CD ($10K Min) | Review |
| Banesco USA | 2.20% 6-Month CD ($1.5K Min) | Review |
| Communitywide FCU | 2.15% 6-Month CD | Review |
| MySavingsDirect | 2.15% 6-Month | Review |
| USALLIANCE Financial | 2.15% 9-Month CD ($500 Min) | Review |
| Vanguard | 2.10% 9-Month CD | Review |
| CD Bank | 2.10% 6-Month ($10K) | Review |
| First Internet Bank | 2.07% 6-Month CD ($1,000 Min) | Review |
| Citizens Access | 2.05% 6-Month CD ($5K Min) | Review |
| M.Y. Safra Bank | 2.05% 6-Month CD ($5K Min) | Review |
| Popular Direct | 2.05% 6-Month CD ($10K Min) | Review |
| OneWest Bank | 2.00% 8-Month CD ($10K min) | Review |
| Vanguard | 2.00% Non-Callable 6-Month CD | Review |
| TAB Bank | 1.92% 9-Month CD ($1K Min) | Review |
| TAB Bank | 1.87% 6-Month CD ($1K Min) | Review |
| CIT Bank | 1.85% No-Penalty CD ($1K Min) | Review |
Top 6- or 9-Month CD Rates – State/Local
| Bank/Credit Union | State(s) | % APY Rate | Review |
|---|---|---|---|
| Family First Federal Credit Union | NY | 2.70% 7-Month Term ($500 min) | Review |
| Apple Federal Credit Union | VA | 2.60% 9-Month Term ($500 min) | Review |
| Ocean Bank | FL | 2.35% 9-Month Term ($2500 min) | Review |
| Bankers Trust | AZ, IA | 2.35% 7-Month Term ($1,000 min) | Review |
| SECU of Maryland | MD | 2.00% 9-Month CD ($500 Min) | Review |
| Sunstate Bank | FL | 2.10% 7-Month CD ($2,500 Min) | Review |
| Federal Savings Bank | NH | 1.85% 10-Month CD ($2,500 Min) | Review |
Top 1-Year CD Rates – Nationwide
| Bank/Credit Union | % APY Rate | Review |
|---|---|---|
| Floridacentral Credit Union | 4.07% 15-Month CD ($50K min) | Review |
| NASA Federal Credit Union | 3.25% 15-Month CD ($20K Min) | Review |
| Navy Federal Credit Union | 3.25% 17-Month CD ($1K-$100k Min) | Review |
| Agriculture Credit Union | 3.16% 16-Month CD ($1K min) | Review |
| Home Loan Investment Bank | 3.15% 14-Month CD ($100K min) | Review |
| Home Loan Investment Bank | 3.10% 15-Month CD ($1K min) | Review |
| Advancial | 3.04% 12-Month CD ($1K-$50K min) | Review |
| Greenwood Credit Union | 3.00% 12-Month CD ($1K min) | Review |
| INOVA Federal Credit Union | 3.00% 14-Month CD ($50,000 Min) | Review |
| ablebanking | 2.90% on 1-Year Term ($1K min) | Review |
| State Bank of India | 2.89% 15-Month CD | Review |
| First Internet Bank | 2.89% 12-Month CD ($1K Min) | Review |
| MutualOne Bank | 2.89% 13-Month CD ($500 Min) | Review |
| Citizens Access | 2.85% 12-Month CD ($5K min) | Review |
| Limelight Bank | 2.85% on 1-Year Term ($1K min) | Review |
| Synchrony Bank | 2.85% ($2K Min) 15-Month CD | Review |
| Sallie Mae | 2.85% 12-Month CD ($2,500 Min) | Review |
| Popular Direct | 2.81% on 1-Year Term ($10K min) | Review |
| CD Bank | 2.80% on 12-Month Term ($10K Min/ No max) | Review |
| Connexus Credit Union | 2.80% on 1-Year Term ($1K Min) | Review |
| Limelight Bank | 2.80% on 12-Month Term ($1K Min) | Review |
| Live Oak Bank | 2.80% on 1-Year Term ($2.5K Min) | Review |
| M.Y. Safra Bank | 2.80% 1-Year CD Online ($5K Min) | Review |
| PenFed Credit Union | 2.80% on 1-Year Term ($1K Min) | Review |
| PurePoint Financial | 2.80% on 12-Month Term ($10K Min) | Review |
| TIAA Bank | 2.79% on 1-Year Term ($5k min) | Review |
| ConnectOne Bank | 2.76% 13-Month CD ($500 Min) | Review |
| Banesco USA | 2.75% ($1.5K Min) 12-Month CD | Review |
| Virtual Bank | 2.75% on 12-Month CD ($100 min) | Review |
| USALLIANCE Financial | 2.75% 12-Month CD ($500 min) | Review |
| Signature Federal Credit Union | 2.75% 12-Month CD ($500 min) | Review |
| Ally Bank | 2.75% 12-Month CD Online ($.01 min) | Review |
| KS State Bank | 2.75% 12-Month CD ($500/$100K min) | Review |
| Synchrony Bank | 2.75% ($2K Min) 12-Month CD | Review |
| North American Savings Bank | 2.74% ($5K Min) 12-Month CD | Review |
| Vio Bank | 2.71% on 1-Year CD ($500 min) | Review |
| Alliant Credit Union | 2.70% ($25k Min) 12-17 month Jumbo CD, 2.65% ($1k Min) 12-17 month CD | Review |
| My eBAnC | 2.70% ($5K Min) 12-Month Time Deposit | Review |
| Pacific National Bank | 2.70% ($1k Min/$240KMax) 13 month CD | Review |
| Limelight Bank | 2.65% 12-Month CD Online ($1K Min) | Review |
| iGObanking | 2.65% on 1-Year Term | Review |
| North American Savings Bank | 2.63% 12-Month CD | Review |
| AbleBanking | 2.90% on 1-Year Term | Review |
| Capital One | 2.60% on 1-Year Team (No min) | Review |
| PurePoint Financial | 2.60% on 1-Year Term ($10K min) | Review |
| CD Bank | 2.60% on 1-Year Term ($10K Min) | Review |
| Bank5 Connect | 2.55% on 1-Year Term | Review |
| Barclays | 2.55% 1-Year CD (No Min) | Review |
| Congressional Bank | 2.55% on 1-Year Term | Review |
| Colorado Federal Savings Bank | 2.51% 1-Year CD ($5K Min) | Review |
| Banesco USA | 2.50% on 1-Year Term ($1.5K Min) | Review |
| Utah First Credit Union | 2.50% on 1-Year Term ($50 min) | Review |
| BankPurely | 2.50% on 1-Year Term ($1K Min) | Review |
| Communitywide Federal Credit Union | 2.50% on 1-Year Term ($2K MIn) | Review |
| Citizens Access | 2.50% on 1-Year Term ($5K Min) | Review |
| Xceed Financial Credit Union | 2.50% 13-Month CD ($500 min) | Review |
| Ally Bank | 2.50% 1-Year CD ($25K Min) | Review |
| EBSB Direct | 2.50% 15-Month CD ($1,000 Min) | Review |
| McGraw-Hill Federal Credit Union | 2.50% 14-Month CD ($1,000 Min) | Review |
| Pacific National Bank | 2.50% 12-Month CD ($1k min) | Review |
| Popular Direct CD | 2.50% 12-Month CD ($1K Min) | Review |
| Utah First Credit Union | 2.50% 12-Month CD ($500 min) | Review |
| iGObanking | 2.35% 12-Month CD ($1K Min) | Review |
| Vanguard | 2.35% 1-Year CD | Review |
| Air Force Federal Credit Union | 2.30% 12-Month CD ($10K Min) | Review |
| Air Force Federal Credit Union | 2.30% 12-Month CD ($1,000 Min) | Review |
| Banco do Brasil Americas | 2.25% 12-Month CD ($1K Min) | Review |
| Everbank | 2.25% 12-Month CD ($5K Min) | Review |
| Marcus by Goldman Sachs | 2.25% 13-Month CD ($500 Min) | Review |
| Interior Federal Credit Union | 2.22% 12-Month CD | Review |
| TAB Bank | 2.22% 12-Month CD ($1K Min) | Review |
| Crestmark Bank | 2.20% 12-Month CD ($25K Min) | Review |
| Fidelity | 2.20% 12-Month Brokered CD ($2,500 Min) | Review |
| PenFed | 2.71% 1-Year CD ($1K Min) | Review |
| Amboy Direct | 2.05% 12-Month CD | Review |
| Latino Credit Union | 2.05% 12-Month CD ($500 Min) | Review |
| Elements Financial | 2.00% 14-Month ($2500 min) | Review |
| Chartway Federal Credit Union | 2.00% 12-Month Term ($50K min) | Review |
| Quorum Federal Credit Union | 2.00% 11-Month Term ($1K Min) | Review |
| Advancial | 1.95% 1-Year CD ($50K Min) | Review |
Top 1-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | % APY Rate | Review |
|---|---|---|---|
| Greenville Heritage Federal Credit Union | SC | 3.299% APY 15-Month CD ($1K min) | Review |
| Texas Exchange Bank | TX | 3.00% APY 12-Month CD ($10K min) | Review |
| Core Bank | NC, NE | 3.00% 23-Month CD ($10K for Nebraska, $25K for Kansas) | Review |
| Centris Federal Credit Union | IA, NE | 2.85% 14-Month CD ($90K min) | Review |
| The Village Bank | MA | 2.85% 13-Month CD ($500 min) | Review |
| Pioneer Valley Credit Union | CT, MA, NH, NY, RI, VT | 2.80% 13-Month CD ($1000 min) | Review |
| Andigo | IL | 2.75% 14-Month CD ($1K min) | Review |
| Chemical Bank | MI, OH, IN | 2.75% 17-Month CD ($100 min) | Review |
| Ocean State Credit Union | RI | 2.75% 12-Month Term ($1k min) | Review |
| Westfield Bank | OH | 2.75% 13-Month Term ($2500 min) | Review |
| Market USA Federal Credit Union | MD, SC | 2.70% 20-Month Term ($500 min-15k) | Review |
| Reliance Bank | IL, MO | 2.65% 13- Month Term ($2000 min) | Review |
| Ocean Bank | FL | 2.65% 13-Month Term ($2500 min) | Review |
| Institution For Savings | MA | 2.50% 15-Month Term ($500 min) | Review |
| Market USA Federal Credit Union | MD, SC | 2.50% 10-Month Tax Time Certificate Special ($500 Min) | Review |
| Metro Credit Union | MA | 2.35% 12-Month CD ($500 min) | Review |
| First Federal Credit Union | IA | 2.25% 12-Month Certificate Special ($10K Min) | Review |
| East Boston Savings Bank | MA | 2.20% 14-Month CD Special ($1K Min) | Review |
| Blackhawk Community Credit Union | WI | 2.20% 12-Month Jumbo Share or IRA Certificate ($10K Min) | Review |
| InTouch Credit Union | MI, NV, TN, TX, VA | 2.20% 13-Month Certificate Jumbo ($95K Min) | Review |
| Wright-Patt Credit Union | OH | 2.10% 12-17 Month Share Certificate ($100K Min) | Review |
| Frankenmuth Credit Union | MI | 2.08% 12-Month Bump CD ($100K Min) | Review |
| Community Financial Credit Union | MI | 2.05% 13-Month Special Certificate ($1K Min) | Review |
| Five Star Bank | NY | 2.05% 13-Month Premier CD ($25K Min) | Review |
| Fairwinds Credit Union | FL | 2.02% 11-Month CD Special ($1K Min) | Review |
| Mercantil Commercebank | FL, TX | 2.00% 12-Month CD ($10K Min) | Review |
| Financial One Credit Union | MN | 2.00% 11-Month ($1K min) | Review |
Top 18-Month CD Rates – Nationwide
| Bank/Credit Union | % APY Rate | Review |
|---|---|---|
| Home Loan Investment Bank | 3.15% 18-Month CD | Review |
| MutualOne Bank | 3.04% 19-Month CD | Review |
| Homeland Credit Union | 3.00% 18-Month CD | Review |
| Kinecta Federal Credit Union | 3.00% 18-Month CD | Review |
| McGraw Hill Federal Credit Union | 3.00% 19-Month CD | Review |
| Limelight Bank | 2.95% 18-Month CD ($1K Min) | Review |
| Popular Direct | 2.95% 18-Month CD ($10K Min) | Review |
| Citizens Access | 2.90% 6-Month CD ($5K Min) | Review |
| Live Oak Bank | 2.90% 18-Month CD ($2.5K Min) | Review |
| Union Bank | 2.90% 18-Month CD ($10K) | Review |
| KS State Bank | 2.85 18-Month Jumbo CD Internet Only Special ($100K Min) | Review |
| Limelight Bank | 2.85% 18-Month CD ($1K Min) | Review |
| M.Y. Safra Bank | 2.85% 18-Month CD ($5K min) | Review |
| Popular Direct | 2.85% 18-Month CD ($10K Min) | Review |
| Veridian Credit Union | 2.85% 18-Month CD ($1K) | Review |
| Luther Burbank | 2.83% 18-Month CD | Review |
| TIAA Bank | 2.82% 18-Month CD ($5K Min) | Review |
| Pacific National Bank | 2.80% 18-Month CD ($1K Min) | Review |
| Interior Federal Credit Union | 2.78% 18-Month CD | Review |
| Limelight Bank | 2.75% ($1K Min) 18-Month CD | Review |
| Synchrony Bank | 2.75% ($2K Min) 18-Month CD | Review |
| PurePoint Financial | 2.70% 18-Month CD ($10K min) | Review |
| Sallie Mae | 2.70% 18-Month CD ($2500 Min) | Review |
| Pacific National Bank | 2.65% 18-Month CD ($1k min) | Review |
| PenFed | 2.65% 18-Month CD ($1K Min) | Review |
| First Internet Bank | 2.63% ($1K Min) 18-Month CD | Review |
| Capital One | 2.60% 18-Month CD (no min) | Review |
| Colorado Federal Savings Bank | 2.60% 18-Month CD ($5K Min) | Review |
| Citizens Access | 2.60% 18-Month CD ($5K Min) | Review |
| Barclays | 2.55% 18-Month CD (No Min) | Review |
| Banesco USA | 2.55% 18-Month CD ($1.5K Min) | Review |
| Vanguard | 2.55% 18-Month Non-Callable CD | Review |
| Ally Bank | 2.55% ($25K Min) 18-Month CD | Review |
| Marcus by Goldman Sachs | 2.55% 18-Month CD Rates | Review |
| American Express | 2.50% 18-Month CD | Review |
| Bank of Hope | 2.40% 18-Month CD | Review |
| OneWest Bank | 2.40% ($10K min) 19-Month CD | Review |
| My eBanc | 2.36% 18-Month CD ($5K Min) | Review |
| Everbank | 2.35% 18-Month CD ($5K Min) | Review |
| USALLIANCE Financial | 2.33% 18-Month CD ($500 Min) | Review |
| Community Financial Service Bank | 2.29% 19-Month CD ($1K min) | Review |
| McGraw Hill Federal Credit Union | 2.25% 18-Month CD ($1K Min) | Review |
| Navy Federal Credit Union | 2.25% 18-Month CD ($1K Min) | Review |
| Crestmark Bank | 2.25% 18-Month CD ($25K Min) | Review |
| MutualOne Bank | 2.12% 19-Month CD ($500 Min) | Review |
| Advancial | 2.05% ($50K Min) 18-Month Jumbo Certificate | Review |
| ConnectOne Bank | 2.02% 18-Month CD ($500 Min) | Review |
Top 18-Month CD Rates – State/Local
| Bank/Credit Union | State(s) | % APY Rate | Review |
|---|---|---|---|
| Kohler Credit Union | WI | 3.25% ($10K min) 18-Month Term | Review |
| TruWest Credit Union | AZ, TX | 3.25% ($500 Min) 19-Month CD Promo Special | Review |
| Fox Communities Credit Union | WI | 3.08% APY 15-Month CD | Review |
| Rhode Island Credit Union | RI | 3.05% APY 18-Month CD ($500 Min) | Review |
| The Village Bank | MA | 3.05% APY 20-Month CD ($500 Min) | Review |
| Amplify Credit Union | TX | 3.03% APY 18-Month Term | Review |
| Provident Credit Union | CA | 3.01% APY 18-Month Term | Review |
| IBM Southeast Employees’ Credit Union | FL, GA | 3.00% APY 18-Month Term | Review |
| MidFlorida Credit Union | FL | 3.00% APY ($10K Min) 18-Month Term | Review |
| Washington Trust | RI, CT, MA | 3.00% APY 18-Month Term | Review |
| Texas Exchange Bank | TX | 2.82% ($10K Min) 18-Month Term | Review |
| MutualOne Bank | Nationwide | 2.68% ($500 Min) 19-Month Term | Review |
| Fairwinds Credit Union | FL | 2.63% ($1k Min) 18-Month Term | Review |
| Metro Credit Union | MA | 2.50% ($500 Min) 18- Month CD | Review |
| Apple Federal Credit Union | VA | 2.00% ($500 Min) 20-Month Term | Review |
| Cedar Falls Community Credit Union | IA | 1.96% ($100K Min) 15-Month Jumbo Certificate | Review |
| Cedar Falls Community Credit Union | IA | 1.81% ($1K Min) 15-Month Share Certificate | Review |
| Collins Community Credit Union | IA | 1.71% ($250K Min) 15-Month Certificate | Review |
| ConnectOne Bank | NJ, NY | 1.714% 15-Month CD Online Only | Review |
| ConnectOne Bank | NJ, NY | 1.60% 18-Month CD | Review |
| Horizon Credit Union | ID, MN, WA | 2.02% ($10K Min) 15-Month Certificate | Review |
| Institution for Savings | MA | 1.75% ($1 Min) 18-Month Term CD | Review |
| ion Bank | CT | 1.75% ($500 Min) 19-Month CD | Review |
| Members Choice Credit Union | TX | 1.80% ($50K Min) 18-Month Jumbo CD Special | Review |
| Members Choice Credit Union | TX | 1.70% ($500 Min) 18-Month CD Special | Review |
| Michigan Schools and Government Credit Union | MI | 1.70% ($500 Min) 18-Month CD | Review |
| National Bank of New York City | NY | 1.75% ($2,500 Min) 18-Month CD | Review |
| Red River Federal Credit Union | AR, TX | 1.76% ($500 Min) 18-Month Share Certificate | Review |
| Teachers Federal Credit Union | NY | 1.75% ($1K Min) 15-Month Certificate Special | Review |
| Teachers Federal Credit Union | NY | 1.15% ($1K Min) 16-Month Certificate | Review |
| Washington Trust | CT, MA, RI | 1.80% ($500 Min) 18-Month CD Promo Special | Review |
Top 2-Year CD Rates – Nationwide
| Bank/Credit Union | % APY Rate | Review |
|---|---|---|
| Sun East Federal Credit Union | 3.50% 27- Month CD ($500 min) | Review |
| Justice Federal Credit Union | 3.354% 2-Year CD Jumbo ($100K min) | Review |
| Greenwood Credit Union | 3.35% 30-Month CD ($1K min) | Review |
| Justice Federal Credit Union | 3.252% 2- Year CD ($500 min) | Review |
| Academy Bank | 3.19% 24-Month CD ($500 min) | Review |
| Community Financial Services Bank | 3.19% 29-Month CD ($1,000 min) | Review |
| First Internet Bank | 3.11% ($1K Min) 2-Year CD | Review |
| KS State Bank | 3.10% 2-Year Jumbo Internet Only CD ($500/$100K Min) | Review |
| CD Bank | 3.07% 24-Month CD ($10K min/ No max) | Review |
| Freedom Credit Union | 3.05% 24-Month CD ($500 min/ No max) | Review |
| Langley Federal Credit Union | 3.04% 29-Month CD ($50K min) | Review |
| Connexus Credit Union | 3.00% 24-Month CD ($5,000 min) | Review |
| Live Oak Bank | 3.00% 2-Year CD ($2.5K Min) | Review |
| Navy Federal Credit Union | 3.00% 24-Month CD ($1K-$100k Min) | Review |
| Sallie Mae | 3.00% 2-Year CD ($2.5k Min) | Review |
| U.S. Postal Service Federal Credit Union | 3.00% ($250 Min) 2- Year IRA CD Rate | Review |
| Virtual Bank | 2.96% 24-Month CD ($10K Min) | Review |
| Popular Direct | 2.95% 2-Year CD ($10K Min) | Review |
| North American Savings Bank | 2.94% 24-Month CD ($5K Min) | Review |
| ConnectOne Bank | 2.86% 23-Month CD ($500 min) | Review |
| TIAA Bank | 2.85% 2-Year CD ($5K Min) | Review |
| North American Savings Bank | 2.84% 2-Year Jumbo ($1K Min) | Review |
| Congressional Bank | 2.80% 2-Year CD | Review |
| Colorado Federal Savings Bank | 2.80% 2-Year CD ($5K Min) | Review |
| PurePoint Financial | 2.80% 2-Year CD ($10K min) | Review |
| ablebanking | 2.80% 2-Year CD ($1K min) | Review |
| M.Y. Safra Bank | 2.80% 2-Year CD ($5K min) | Review |
| Synchrony Bank | 2.80% 2-Year CD ($2K Min) | Review |
| USALLIANCE Financial | 2.80% 2-Year CD ($500 Min) | Review |
| Vanguard | 2.80% Non-Callable 2-Year CD | Review |
| Citizens Access | 2.75% 24-Month CD ($5K Min) | Review |
| First Financial Northwest Bank | 2.75% 24-Month CD ($100K min) | Review |
| OneWest Bank | 2.75% 28-Month CD ($10K min) | Review |
| iGObanking | 2.75% 24-Month CD ($1K Min) | Review |
| BankPurely | 2.75% 24-Month CD ($1K Min) | Review |
My eBAnC | 2.75% 24-Month Online Time Deposit ($5K Min) | Review |
Utah First Credit Unionb | 2.75% 24-Month CD ($500 min) | Review |
| Capital One | 2.70% 2-Year CD ( no min) | Review |
| McGraw-Hill Federal Credit Union | 2.70% 27-Month CD ($1,000 Min) | Review |
| Banesco USA | 2.65% 24-Month CD ($1.5K Min) | Review |
| American Express | 2.60% 2-Year CD (No Min) | Review |
| Barclays | 2.60% 2-Year CD Rate (No min) | Review |
| Fidelity | 2.55% 2-Year Brokered CD | Review |
| EverBank | 2.50% 2-Year CD ($5K Min) | Review |
Kinecta Federal Credit Unionb | 2.50% 24-Month Share Certificate ($100K Min) | Review |
| Marcus by Goldman Sachs | 2.50% 2-Year CD ($500 Min) | Review |
| Latino Credit Union | 3.15% 2-Year CD ($200k Min) | Review |
| Community Financial Service Bank | 2.49% 29-Month CD ($1K min) | Review |
| TAB Bank | 2.33% 2-Year CD ($1K Min) | Review |
| Interior Federal Credit Union | 2.37% 2-Year CD | Review |
| State Bank of India | 2.37% 2- Year CD | Review |
| Fort Knox Federal Credit Union | 2.30% 22-Month CD ($500 Min) | Review |
| Crestmark Bank | 2.30% 2-Year CD ($25K Min) | Review |
| Quorum Federal Credit Union | 2.25% 25-Month Term Savings ($1K Min) | Review |
| MutualOne Bank | 2.22% 2-Year CD Rate ($500 Min) | Review |
| Hope Credit Union | 2.17% 24-Month Share Certificate ($1K Min) | Review |
| Home Loan Investment Bank | 2.10% 2-Year CD ($1K min) | Review |
| Elements Financial | 2.50% APY 22-Month ($2500 min) | Review |
Top 2-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | % APY Rate | Review |
|---|---|---|---|
| Providence Bank | IL, MO | 3.30% 30-Month CD ($5k min) | Review |
| Knoxville TVA ECU | TN | 3.25% 24-Month CD ($2.5k min) | Review |
| American Eagle Financial Credit Union | CT | 3.25% 24-Month CD ($1k Min/ $500K Max) | Review |
| Enterprise Bank | NJ | 3.25% 24-Month CD ($1k min) | Review |
| Ocean State Credit Union | RI | 3.25% 24-Month CD ($1k min) | Review |
| Union Bank and Trust | CO, IA, KS, MO, NE & SD | 3.14% 27-Month CD ($1K min) | Review |
| IBM Southeast Employees Credit Union | FL, GA | 3.05% 26-Month CD ($1k min) | Review |
| Teachers Federal Credit Union | NY | 3.00% 30-Month CD ($1k min) | Review |
| Institution For Savings | MA | 3.00% 30-Month CD ($500 Min Deposit) | Review |
| Family First Federal Credit Union | NY | 3.00% 24-Month CD ($500 min) | Review |
| Franklin Mint Federal Credit Union | DE, PA | 3.00% 24-Month CD ($500 min) | Review |
| Franklin Mint Federal Credit Union | DE, PA | 3.00% 24-Month CD ($500 Min Deposit) | Review |
| Metro Credit Union | MA | 2.85% 24-Month CD ($500 min) | Review |
| Core Bank | KS, NE | 2.50% 23-Month CD ($10K for Nebraska, $25K for Kansas) | Review |
| Financial One Credit Union | MN | 2.30% 23-Month CD ($1K min) | Review |
| Westerra Credit Union | CO | 2.30% 25-Month CD ($500 min) | Review |
| Blue Hills Bank | MA | 2.00% ($500 Min) 23-Month Prom-o CD | Review |
| Collins Community Credit Union | IA | 2.01% ($250K Min) 28-Month Certificate | Review |
| Ferguson Federal Credit Union | MS | 2.00% ($1K Min) 2-Year CD | Review |
| First Federal Credit Union | IA | 2.00% ($10K Min) 29-Month CD Special | Review |
| Greater Iowa Credit Union | IA | 1.81% ($1K Min) 22-Month Special Share Certificate | Review |
| Hanover Community Bank | NY | 1.80% ($500 Min To Open) 29-Month CD | Review |
| Hanover Community Bank | NY | 1.50% ($500 Min To Open) 24-Month CD | Review |
| Pioneer Federal Credit Union | ID | 1.80% ($500 Min) 25-Month Special CD | Review |
| Primary Bank | NH | 2.00% 2-Year Anniversary CD | Review |
| Red Rocks Credit Union | CO | 2.25 ($100K Min); 2.00% ($50K Min); 1.75% ($10K Min) 2-Year CD | Review |
| Sandy Spring Bank | MD, VA | 1.80% ($10K Min) 27-Month Special CD | Review |
| Sandy Spring Bank | MD, VA | 1.50% ($10K Min) 25-Month Special CD | Review |
| Westerra Credit Union | CO | 1.80% ($10K Min) 25 Month Bump-Up Add-On CD | Review |
Top 3-Year CD Rates – Nationwide
| Bank/Credit Union | % APY Rate | Review |
|---|---|---|
| Freedom Credit Union | 3.56% 30-Month CD ($500 min) | Review |
| Connexus Credit Union | 3.35% 36-Month and 42- Month CD ($5,000 min) | Review |
| Great Lakes Credit Union | 3.33% 33-Month CD ($1K min) | Review |
| ablebanking | 3.30% 3-Year CD ($1K min) | Review |
| Greenwood Credit Union | 3.25% 30-Month CD ($1K min) | Review |
| KS State Bank | 3.25% 3-Year Jumbo CD Internet Only ($500/$100K Min) | Review |
| MainStreet Bank | 3.25% 36-Month CD ($500 Min) | Review |
| M.Y. Safra Bank | 3.15% 36-Month CD ($5K Min) | Review |
| Homeland Credit Union | 3.15% 60-Month CD ($75K min) | Review |
| First Financial Northwest Bank | 3.10% 36-Month CD ($100K min) | Review |
| USALLIANCE Financial | 3.05% 36-Month CD ($500 Min) | Review |
| Garden Savings Federal Credit Union | 3.04% 36-Month CD ($500 Min) | Review |
| Northern Bank Direct | 3.01% 30-Month CD ($500 Min) | Review |
| Northern Bank Direct | 3.01% 30-Month CD ($500 Min) | Review |
| Colorado Federal Savings Bank | 3.00% 36-Month CD ($5K Min) | Review |
| Main Street Bank | 3.00% 3-Year CD | Review |
| Home Loan Investment Bank | 3.00% 3-Year CD ($1K min) | Review |
| Citizens Access | 3.00% 30-Month CD ($5K Min) | Review |
| McGraw-Hill Federal Credit Union | 3.00% 39-Month CD ($1,000 Min) | Review |
| PurePoint Financial | 3.00% 3-Year CD ($10K min) | Review |
| Popular Direct | 3.00% 3-Year CD ($10K Min) | Review |
| Vanguard | 3.00% 3-Year CD | Review |
| U.S. Postal Service Federal Credit Union | 3.00% ($1 Min) 3-Year Young Saver's Certificate | Review |
Utah First Credit Unionb | 3.00% 3-Year CD ($500 min) | Review |
| Sallie Mae | 2.95% 3-Year CD ($2500 Min) | Review |
| TIAA Bank | 2.92% 36-Month CD ($5K Min) | Review |
| Synchrony Bank | 2.90% ($2K Min) 3-Year CD | Review |
| Live Oak Bank | 2.85% 3-Year CD ($2.5K Min) | Review |
| GTE Financial | 2.84% 3-Year CD ($500 min) | Review |
| First Internet Bank | 2.83% 3-Year CD ($1K Min) | Review |
| Capital One | 2.80% 3-Year CD ( no min) | Review |
| My eBANC | 2.80% 36-Month Time Deposit ($5K Min) | Review |
| Fidelity | 2.75% 3-Year Brokered CD ($2,500 Min) | Review |
| Elements Financial | 2.75% 34-Month CD ($2500 min) | Review |
| Home Loan Investment Bank | 2.74% 30-Month CD ($1K min) | Review |
| EverBank | 2.70% 3-Year CD ($5K Min) | Review |
| American Express | 2.65% 3-Year CD (No Min) | Review |
| Barclays | 2.65% 3-Year CD (No min) | Review |
| Latino Credit Union | 2.60% 36-Month CD ($500 Min) | Review |
| Ally Bank | 2.60% 3-Year CD ($25K Min) | Review |
| Marcus by Goldman Sachs | 2.55% 3-Year CD ($500 Min) | Review |
| Northern Bank Direct | 2.55% 3-Year CD ($500 Min) | Review |
| INOVA Federal Credit Union | 2.55% 30-Month CD ($50,000 Min) | Review |
| Capital One | 2.55% 3-Year CD (No Min) | Review |
| MutualOne Bank | 2.53% 30-Month CD ($500 Min) | Review |
| Third Federal Savings and Loan | 2.50% 39-Month CD Special ($500 Min) | Review |
| Hope Credit Union | 2.43% 3-Year Share Certificate ($1K Min) | Review |
| State Bank of India | 2.43% 36-Month Term | Review |
| Hope Credit Union | 2.43% 3-Year Certificate ($1K Min) | Review |
| Justice Federal Credit Union | 2.401% 3-Year CD ($1K min) | Review |
| McGraw Hill Federal Credit Union | 2.40% 30-Month Certificate ($1K Min) | Review |
| Navy Federal Credit Union | 2.40% 32-Year CD ($100K Min) | Review |
| Crestmark Bank | 2.40% ($25K Min) 36-Month CD | Review |
| GS Bank | 2.35% 3-Year CD ($500 Min) | Review |
| Bank VI | 2.31% 30-Month CD ($500 Min) | Review |
| BBVA Compass Bank | 2.25% 36-Month Certificate ($500 Min/ $2.5M Max) | Review |
Top 3-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | % APY Rate | Review |
|---|---|---|---|
| GESA Credit Union | ID, WA | 3.50% ($500 Min) 36-Month CD | Review |
| Pathways Financial Credit Union | OH | 3.50% ($10,000 Min) 30-Month CD | Review |
| Solvay Bank | NY | 3.50% ($500 Min) 36-Month CD | Review |
| Centris Federal Credit Union | IA, NE | 3.41% ($90K min) 40-Month CD | Review |
| Neighbors Federal Credit Union | LA | 3.37% ($1.5K min) 3-Year CD | Review |
| Franklin Mint Federal Credit Union | DE, PA | 3.36% ($500 min) 36-Month CD | Review |
| Four Points Federal Credit Union | CO, IA, KS, MO, NE, SD, WY | 3.35% ($10,000 min) 30-Month CD | Review |
| Bankers Trust | AZ, IA | 3.30% ($1,000 min) 36-Month CD | Review |
| Financial One Credit Union | MN | 2.60% 35-Month CD ($1k min) | Review |
| 1st Gateway Credit Union | IA, IL | 2.05% ($10K Min) 40-Month CD | Review |
| 1st Gateway Credit Union | IA, IL | 1.30% ($1K Min) 3-Year CD | Review |
| American United Federal Credit Union | UT | 2.00% ($500 Min) 3-Year Certificate | Review |
| Bayer Heritage Federal Credit Union | OH, SC, WV | 2.02% ($500 Min) 36- to 47-Month Certificate Term | Review |
| BTH Bank | TX | 2.10% ($10K Min) 30-Month Worry-Free CD | Review |
| BTH Bank | TX | 1.26% ($1K Min) 3-Year CD | Review |
| Citadel | PA | 2.10% ($500 Min) 3-Year CD | Review |
| Fairport Savings Bank | NY | 2.00% ($500 Min) 35-Month CD Special | Review |
| Farmers State Bank | IA | 2.15% ($100K Min) 39-Month CD Special | Review |
| Farmers State Bank | IA | 2.05% ($5K Min) 39-Month CD Special | Review |
| Grow Financial Federal Credit Union | FL, NC, SC | 2.00% ($500 Min) 30 - 35-Month Term | Review |
| Haverhill Bank | MA, NH | 2.02% ($500 Min) 3-Year CD | Review |
| InvesTex Credit Union | TX | 2.25% ($50K Min) 3-Year Jumbo CD | Review |
| InvesTex Credit Union | TX | 2.25% ($5K Min) 3-Year CD Promo | Review |
| Perpetual Federal Savings Bank | OH | 2.07% ($1K Min) 3-Year Certificate | Review |
| Primary Bank | NH | 2.25% 3-Year CD | Review |
| Triangle Credit Union | MA, NH | 2.25% 35-Month Special CD | Review |
| Vibrant Credit Union | IA, IL | 2.00 ($5 Min) 33-Month Certificate | Review |
| VITAL Federal Credit Union | SC | 2.01% ($500 Min) 3-Year IRA Share Certificate | Review |
Top 4-Year CD Rates – Nationwide
| Bank/Credit Union | % APY Rate | Review |
|---|---|---|
| Garden Saving Federal Credit Union | 4-Year Term 3.50% APY | Review |
| Third Federal Savings & Loan | 59-Month Term 3.50% APY | Review |
| Fahey Bank | 48-Month Term 3.50% APY, 60-Month Term 4.00% APY CD Rates Special | Review |
| ablebanking | 3.40% 4-Year Month ($1K min) | Review |
| KS State Bank | 3.40% 4-Year Jumbo CD Internet Only ($100K Min) | Review |
| Advancial | 3.39% 4-Year Month ($50K min) | Review |
| NASA Federal Credit Union | 3.35% 49-Month Share Certificate ($5K Min) | Review |
| First Internet Bank | 3.30% 4-Year CD ($1K MIn) | Review |
| First Financial Northwest Bank | 3.25% 4-Year CD ($100K min) | Review |
| Home Savings Bank | 3.25% 48-Month CD ($5K min) | Review |
| Veridian Credit Union | 3.25% 41-Month CD ($1K min) | Review |
| Vio Bank | 3.10% 4-Year CD ($500 min) | Review |
| Live Oak Bank | 3.10% 4-Year CD ($2.5K Min) | Review |
| Citizens Access | 3.05% 48-Month CD ($5K Min) | Review |
| Popular Direct | 3.05% 4-Year CD ($10K Min) | Review |
| M.Y. Safra Bank | 3.01% 48-Month CD ($5K min) | Review |
| Synchrony Bank | 3.00% ($2K Min) 4-Year CD | Review |
| TIAA Bank | 3.00% 4-Year CD ($5K Min) | Review |
| ConnectOne Bank | 2.94% 48-Month CD ($500 Min) | Review |
| GTE Financial | 2.94% 4-year CD ($500 min) | Review |
| Capital One | 2.85% 48-Month CD (no min) | Review |
| Interior Federal Credit Union | 2.83% 4-Year CD | Review |
| Fidelity | 2.80% Non-Callable 4-Year CD | Review |
| Barclays | 2.75% APY 4-Year CD (No min) | Review |
| EverBank | 2.75 4-Year CD ($5K Min) | Review |
| Hanscom Federal Credit Union | 2.75% 48-Month CD w/Premier Checking ($1K Min) | Review |
| American Express | 2.70% 4-Year CD (No Min) | Review |
| Latino Credit Union | 2.65% 4-Year CD ($500 Min) | Review |
| Marcus by Goldman Sachs | 2.60% on 4-Year CD ($500 Min) | Review |
| Northern Bank Direct | 2.56% 4-Year CD ($500 Min) | Review |
| United States Senate Federal Credit Union | 2.51% 48-Month CD Jumbo ($60K Min) | Review |
| Crestmark Bank | 2.50% 4-Year CD ($25K Min) | Review |
| Community Financial Service Bank | 2.49% 49-Month CD ($1K min) | Review |
| Michigan State University Federal Credit Union | 2.41% 4-Year Jumbo Certificate ($100K Min) | Review |
| Justice Federal Credit Union | 2.401 4-Year CD ($1k min) | Review |
| Melrose Credit Union | 2.40% 4-Year Share Certificate ($5K Min) | Review |
| Navy Federal Credit Union | 2.40% 4-Year CD ($1K Min) | Review |
Top 4-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | % APY Rate | Review |
|---|---|---|---|
| Pathways Financial Credit Union | OH | 40-Month Term 4.00% APY CD ($10K minimum) | Review |
| Pelican State Credit Union | LA | 48-Month Term 3.61% APY CD, 60-Month Term 3.71% APY CD Rates Special | Review |
| Neighbors Federal Credit Union | LA | 4-Year Term 3.41% (1.5K min) APY CD Rates Special | Review |
| Fairwinds Credit Union | FL | 3.05% ($1K Min) 44 Month CD Special | Review |
| ASI Federal Credit Union | LA | 2.27% ($1K Min) 4-Year Share Certificate | Review |
| Bayer Heritage Federal Credit Union | OH, SC, WV | 2.28% ($500 Min) 48- to 59-Month CD | Review |
| Deere Employees Credit Union | GA, IA, IL, ND, SC, WI | 2.38% ($500 Min) 4-Year IRA & Share Certificate | Review |
| IH Mississippi Valley Credit Union | IA, IL | 2.32% ($500 Min) 4-Year CD | Review |
| Institution for Savings | MA | 2.50% ($250K Min) 4-Year Platinium Money Market Combo CD | Review |
| InvesTex Credit Union | TX | 2.50% ($50K Min) 4-Year Jumbo CD | Review |
| InvesTex Credit Union | TX | 2.50% ($5K Min) 4-Year CD Promo | Review |
| Jefferson Financial Credit Union | LA | 2.38% ($10K Min) 4-Year Special Share CD | Review |
| Northeast Credit Union | NH, ME | 3.82% ($500 Min) 48-Month CD | Review |
| Pelican State Credit Union | LA, AR, MS, TX | 2.41% ($500 Min) 4-Year Share Certificate | Review |
| Perpetual Federal Savings Bank | OH | 2.28% ($1K Min) 4-Year Certificate | Review |
| Tech Credit Union | IN, IL | 2.299% ($1K Min) 50-Month Premium Compound CD | Review |
| Tech Credit Union | IN, IL | 2.427% ($100K Min) 50-Month Jumbo Compound CD | Review |
Top 5-Year CD Rates – Nationwide
| Bank/Credit Union | % APY Rate | Review |
|---|---|---|
| Achieva Credit Union | 4.20% on 5-Year IRA CD | Review |
| Achieva Credit Union | 4.20% on 5-Year IRA CD | Review |
| Fahey Bank | 48-Month Term 3.50% APY, 60-Month Term 4.00% APY CD Rates Special | Review |
| Greenwood Credit Union | 3.75% 60-Month CD (1k Min) | Review |
| Connexus Credit Union | 3.63% 60-Month Term ($5,000 Min) | Review |
| Northpointe Bank | 3.60% 60-Month CD (1k Min) | Review |
| Popular Direct | 3.60% 60-Month CD (10k Min) | Review |
| First Financial Northwest Bank | 3.50% 5-Year CD | Review |
| PenFed Credit Union | 3.50% 5-Year CD ($1K Min) | Review |
| Popular Direct | 3.50% 5-Year CD ($5K Min) | Review |
| Utah First Federal Credit Union | 3.50% 60-Month CD ($500 Min) | Review |
| Advancial | 3.49% 5-Year CD ($50K min) | Review |
| Community Financial Services Bank | 3.39% 49-Month CD | Review |
| Interior Federal Credit Union | 3.39% 5-Year CD | Review |
| M.Y. Safra Bank | 3.35% 60-Month CD ($5K Min) | Review |
| MutualOne Bank | 3.31% 61-Month CD ($5K Min) | Review |
| First Internet Bank | 3.30% ($1K Min) 60-Month CD | Review |
| Vanguard | 3.30% 5-Year Non-Callable CD | Review |
| PenFed | 3.30% 5-Year CD ($1K Min) | Review |
| Colorado Federal Savings Bank | 3.25% 60-Month CD ($5K Min) | Review |
| M.Y. Safra Bank | 3.25% on 5-Year CD (5K Min.) | Review |
| Vio Bank | 3.15% 5-Year CD ($500 min) | Review |
| Live Oak Bank | 3.15% 5-Year CD ($2.5K Min) | Review |
| KS State Bank | 3.51% ($100K Min) 60- Month CD | Review |
| Justice Federal Credit Union | 3.102% on 5-Year CD ($1k min) | Review |
| Ally Bank | 3.10% 60-Month CD ($1-25,000Min) | Review |
| Barclays | 3.10% 60-Month CD (No Min) | Review |
| Capital One | 3.10% 5-Year CD (No Min) | Review |
| Citizens Access | 3.10% on 5-Year CD | Review |
| Congressional Bank | 3.10% on 5-Year CD | Review |
| Synchrony Bank | 3.10% 5-Year CD ($2K Min) | Review |
| Sallie Mae | 3.10% ($2.5K Min) 5-Year CD | Review |
| GTE Financial | 3.04% 60-Month CD ($500 min) | Review |
| TIAA Bank | 3.01% ($5K Min) 5-Year CD | Review |
| United States Senate Federal Credit Union | 3.01% 5-Year Certificate ($60K Min) | Review |
| Ally Bank | 3.00% 5-Year CD ($1-$25,000 Max) | Review |
| American Express | 3.00% 5-Year CD (No Min) | Review |
| American Bank | 3.00% 60-Month CD Promo ($500 Min) | Review |
| Mountain America Credit Union | 3.00% 5-Year Term Deposit ($500 Min) | Review |
| Navy Federal Credit Union | 3.00% 5-Year CD ($1K Min) | Review |
| Service Credit Union | 3.00% 5-Year TShare & IRA Certificate ($1K Min) | Review |
| Idaho Central Credit Union | 3.00% 60-Month CD Promo ($500 Min) | Review |
| Marcus by Goldman Sachs | 3.00% 5-Year CD ($500 Min) | Review |
| Quorum Federal Credit Union | 3.00% 60-Month CD ($1K Min) | Review |
| State Bank of India Chicago | 2.94% Senior Citizens CD ($2,500 Min) | Review |
| Fidelity | 2.90% 5-Year Brokered CD | Review |
| BankPurely | 2.87% 60-Month CD ($1k Min) | Review |
| EverBank | 2.85% ($5K Min) 5-Year CD | Review |
| Dollar Savings Direct | 2.80% 60-Month CD ($1K Min) | Review |
| Dollar Savings Direct | 2.80% 5-Year CD ($1000 Min) | Review |
| Latino Credit Union | 2.80% 12-Month CD ($500 Min) | Review |
| Third Federal Savings and Loan | 2.75% on 60-Month CD ($500 Min) | Review |
| Ally Bank | 2.75% 5-Year CD (Less than $5K) | Review |
| Hope Credit Union | 2.69% 60-Month CD Rate ($1K Min) | Review |
| Michigan State University Federal Credit Union | 2.66% 5-Year Certificate or IRA-HSA Jumbo ($100K Min) | Review |
| Northern Bank Direct | 2.60% 5-Year CD ($500 Min) | Review |
| Advancial | 2.53% 5-Year Jumbo Certificate ($50K Min) | Review |
| Home Loan Investment Bank | 2.50% 5-Year CD ($1K min) | Review |
| Kinecta Federal Credit Union | 2.50% 5-Year CD ($100K Min) | Review |
Top 5-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | % APY Rate | Review |
|---|---|---|---|
| Pelican State Credit Union | LA | 48-Month Term 3.61% APY CD, 60-Month Term 3.71% APY CD Rates Special | Review |
| Alaska USA Federal Credit Union | AK, AZ, CA, WA | 60-Month Term 3.70% APY CD ($250K Min) | Review |
| Firelands Federal Credit Union | OH | 3.60% 60-Month CD ($500 min) | Review |
| Neighbors Federal Credit Union | LA | 3.57% ($1.5K min) 5-Year CD | Review |
| Texas Bay Credit Union | TX | 3.56% ($1K min) 5-Year CD | Review |
| BMO Harris | AZ, FL, IL, IN, KS, MN, MO, WA, WI | 3.50% ($5K min) 60-Month CD | Review |
| Arapahoe Credit Union | CO | 3.40% ($100 min) 5-Year CD | Review |
| Financial One Credit Union | MN | 3.00% ($1k min) 63-Month CD | Review |
| Icon Credit Union | ID, OR | 3.00% APY for 60-month term | Review |
| America First Credit Union | AZ, NV, UT | 2.55% ($500 Min) 5-Year CD | Review |
| American United Federal Credit Union | UT | 2.50% ($500 Min) 5-Year CD | Review |
| ASI Federal Credit Union | LA | 2.53% ($1K Min) 5-Year Share Certificate | Review |
| Advantage Federal Credit Union | NY | 2.50% ($500 Min) 5-Year CD | Review |
| Bank of Utica | NY | 2.50% ($500 Min) 5-Year CD | Review |
| Bayer Heritage Federal Credit Union | OH, SC, WV | 2.53% 5-Year Certificate | Review |
| Blue Hills Bank/a> | MA | 2.50% ($500 Min) 59-Month Bump Up CD Promo | Review |
| Cyprus Credit Union | UT | 2.60% 5-Year CD | Review |
| First Bank of Tennessee | TN | 2.62% ($500 Min) 5-Year CD | Review |
| General Electric Credit Union | OH | 2.50% ($500 Min) 5-Year Share Certificate | Review |
| Granite Credit Union | UT | 2.50% ($500 Min) 5-Year CD | Review |
| Idaho Central Credit Union | ID, NV | 2.50% ($500 Min) 5-Year Promo CD | Review |
| Indiana Members Credit Union | IN | 2.53$ ($1K Min) 5-Year CD | Review |
| InvesTex Credit Union | TX | 2.75% ($5K Min) 5-Year Promo CD | Review |
| Jefferson Financial Credit Union | LA | 2.58% ($10K Min) 5-Year Share/IRA Certificate | Review |
| Pelican State Credit Union | LA, AR, MS, TX | 2.61% ($500 Min) 5-Year Share Certficate | Review |
| Shell Federal Credit Union | TX | 2.60% ($50K Min) 5-Year CD | Review |
| Shell Federal Credit Union | TX | 2.55% ($500 Min) 5-Year CD | Review |
| SouthEast Bank | TN | 2.51% ($1K Min) 5-Year CD | Review |
| University Federal Credit Union | UT | 2.50% ($500 Min) 5-Year Share Certificate | Review |
| Utah Community Credit Union | UT | 2.50% ($500 Min) 5-Year CD | Review |
| Wasatch Peaks Credit Union | UT | 2.55 ($500 Min) 5-Year Certificate | Review |
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