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Certificates of Deposit
Months = mo
Years = yr
Accounts are: Government-insured and accept nationwide
deposits by mail, phone, online or at a branch if nearby.

High Interest 1 Yr CD Rates

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Column and star definitions

Rate Search ResultsClick here for column definitions
Bank
Date
Rate
CM
APY
Minimum Deposit


Morristown, NJ
06/18/131.04D1.05$25,000


Midvale, UT
06/18/130.94D0.94$0
Doral Direct

Wilmington, DE
06/18/130.96D0.96$500
Colorado Federal Savings Bank

Greenwood Village, CO
06/18/130.95D0.95$5,000
EH National Bank

Beverly Hills, CA
06/18/130.95D0.95$10,000
Home Savings Bank

Salt Lake City, UT
06/18/130.95D0.95$10,000
My e-BAnC by BAC Florida Bank

Coral Gables, FL
06/18/130.95D0.95$500
AloStar Bank of Commerce

Birmingham, AL
06/18/130.90D0.90$1,000
Barclays

Wilmington, DE
06/18/130.90D0.90$0
VirtualBank

Miami, FL
06/18/130.90D0.90$10,000
California First National Bank

Irvine, CA
06/18/130.87M0.87$5,000
First Internet Bank of Indiana

Indianapolis, IN
06/18/130.85M0.85$1,000
E-LOAN

Pleasanton, CA
06/18/130.81D0.81$10,000
Ascencia, a div. of PBI Bank

Louisville, KY
06/18/130.80M0.80$500
Discover Bank

Riverwoods, IL
06/18/130.80D0.80$2,500
Lone Star Bank

Houston, TX
06/18/130.80D0.80$1,000
ableBanking, a division of Northeast Bank

Boston, MA
06/18/130.75D0.75$1,000
USAA

San Antonio, TX
06/18/130.71M0.71$1,000
Intervest National Bank

New York, NY
06/18/130.68D0.68$2,500
TAB Bank

Ogden, UT
06/18/130.65D0.65$1,000
EverBank

Jacksonville, FL
06/18/130.60D0.60$1,500
giantbank.com

Ft. Lauderdale, FL
06/18/130.55D0.55$2,500
Bank of Internet USA

San Diego, CA
06/18/130.55D0.55$1,000
State Farm Bank

Bloomington, IL
06/18/130.30D0.30$500
Salem Five

Salem, MA
06/18/130.25M0.25$500
Heritage Bank

Willmar, MN
06/18/130.23A0.23$1,000
Citizens Trust Bank

Atlanta, GA
06/18/130.20D0.20$500
American Bank

Allentown, PA
06/18/130.20D0.20$500
Mount McKinley Bank

Fairbanks, AK
06/18/130.18D0.18$5,000
1st Source Bank

South Bend, IN
06/18/130.15A0.15$500
Bangor Savings Bank

Bangor, ME
06/18/130.15M0.15$500
iGObanking.com

Lake Success, NY
06/18/130.15D0.15$1,000
Astoria Federal Savings

Long Island, NY
06/18/130.10D0.10$500
Pacific Mercantile Bank

Costa Mesa, CA
06/17/130.30D0.30$10,000
Contacting Institutions
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For an explanation of savings terms, click here. These rates are updated weekly. For criteria used in surveys of rates above, click here. These 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. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

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More rates from BankCD.com

Term APY Notes* Minimum Bank
1-mo 0.25 b,p $1,000 Presidential Bk
1-mo 0.25 p $95,000 USAA
1-mo 0.25 p $175,000 USAA
1-mo 0.20 b,p $25,000 Crestmark Bk
1-mo 0.15 p $10,000 Eloan
2-mo 0.25 b,p $1,000 Presidential Bk
2-mo 0.25 b,p $25,000 Crestmark Bk
2-mo 0.20 p $10,000 Eloan
3-mo 1.26 b,i,p,u $20,000 Please check Note "u" below
4-mo 0.45 i,p $1,000 OneWest Bk
4-mo 0.45 p $95,000 USAA
4-mo 0.45 p $175,000 USAA
4-mo 0.25 p $1,000 AmTrust Direct
4-mo 0.20 p $1,000 OneUnited Bk
5-mo 0.50 p $95,000 USAA
5-mo 0.50 p $175,000 USAA
6-mo 1.38 b,i,p,u $20,000 Please check Note "u" below
7-mo 0.61 p $95,000 USAA
7-mo 0.61 p $175,000 USAA
7-mo 0.56 p $1,000 USAA
9-mo 0.92 p $1,000 Doral Bk Direct
9-mo 0.80 i,p $50,000 GE Capital Retail Bk
9-mo 0.75 i,p $1,000 OneWest Bk
9-mo 0.75 p $1,000 AloStar Bk
9-mo 0.71 p $175,000 USAA
9-mo 0.70 i,p $2,500 Discover Bk
9-mo 0.65 p $0 Ally Bk
9-mo 0.65 p $10,000 Incredible Bk
9-mo 0.60 p $1,000 AmTrust Direct
13-mo 0.95 p $1,000 OneWest Bk
13-mo 0.85 i $1,000 OneWest Bk
13-mo 0.80 p $10,000 Incredible Bk
15-mo 0.76 p $95,000 USAA
15-mo 0.76 p $175,000 USAA
15-mo 0.71 p $1,000 USAA
16-mo 1.00 p,r17 $1,000 Dollar Savings Direct 866-395-8693
16-mo 1.00 p,r7 $1,000 Emigrant
1.5-yr 1.05 p $100,000 GE Capital Retail Bk
1.5-yr 1.03 p $1,000 Doral Bk Direct
1.5-yr 1.03 i,p $50,000 GE Capital Retail Bk
1.5-yr 1.00 p $1,000 AloStar Bk
1.5-yr 1.00 i $2,000 Salem Five
1.5-yr 1.00 p $10,000 Salem Five
1.5-yr 0.95 p $1,000 OneWest Bk
1.5-yr 0.95 p $5,000 Colorado FSB
1.5-yr 0.94 p $0 Ally Bk
1.5-yr 0.90 b,i,p $1,000 1st Internet Bk
1.5-yr 0.85 i $1,000 OneWest Bk
1.5-yr 0.85 i,p $2,500 Discover Bk
1.5-yr 0.85 p $10,000 Eloan
19-mo 1.00 p $10,000 Incredible Bk
29-mo 0.90 i $100 3rd Fed S&L
29-mo 0.90 p $500 3rd Fed S&L
2.5-yr 1.24 p $1,000 AmTrust Direct
2.5-yr 1.10 i,n,p $40,000 Northrop Grumman FCU
2.5-yr 1.05 b,i,p $1,500 Everbank
2.5-yr 1.00 i,p $2,500 Discover Bk
2.5-yr 0.95 i $1,000 Intervest Nat Bk
2.5-yr 0.95 b,p $2,500 Intervest Nat Bk
2.5-yr 0.90 p $95,000 USAA
2.5-yr 0.90 p $175,000 USAA
2.5-yr 0.85 p $1,000 USAA
4-yr 1.61 i,n,r9 $4,000 Melrose CU
4-yr 1.61 b,n,p,r9 $5,000 Melrose CU
4-yr 1.51 b,i,p $1,500 Everbank
4-yr 1.50 n,p,r10 $500 DCU
4-yr 1.50 p $100,000 GE Capital Retail Bk
4-yr 1.46 i,p $50,000 GE Capital Retail Bk
4-yr 1.41 i,n,p $40,000 Northrop Grumman FCU
4-yr 1.34 i $1,000 Intervest Nat Bk
4-yr 1.34 b,p $2,500 Intervest Nat Bk
4-yr 1.33 p $1,000 Doral Bk Direct
4-yr 1.31 b,p $1,000 TAB Bk
4-yr 1.30 p $0 Ally Bk
4-yr 1.30 i,p $2,500 Discover Bk
55-mo 1.35 i,n,p $5,000 NASA CU
6-yr 1.52 i $1,000 Intervest Nat Bk
6-yr 1.52 b,p $2,500 Intervest Nat Bk
6-yr 1.50 p $10,000 Eloan
6-yr 1.36 i $5,000 Principal Bk
6-yr 1.35 b,p $100,000 Luana Sav Bk
6-yr 1.25 i $100 3rd Fed S&L
6-yr 1.25 p $500 3rd Fed S&L
7-yr 1.90 n,p $100,000 Air Force FCU
7-yr 1.87 i,n,p $40,000 Northrop Grumman FCU
7-yr 1.80 i,p $2,500 Discover Bk
7-yr 1.75 p $1,000 iGObanking
7-yr 1.70 p $500 Dime
7-yr 1.61 b,p $100,000 Luana Sav Bk
7-yr 1.52 i $1,000 Intervest Nat Bk
7-yr 1.52 b,p $2,500 Intervest Nat Bk
7-yr 1.25 i,n,p $1,000 Pentagon Fed CU
7-yr 1.11 i,p $95,000 USAA
7-yr 1.11 i,p $175,000 USAA
7-yr 1.06 i $250 USAA
8-yr 1.52 i $1,000 Intervest Nat Bk
8-yr 1.52 b,p $2,500 Intervest Nat Bk
8-yr 1.15 p $10,000 Capitol Fed
9-yr 1.52 i $1,000 Intervest Nat Bk
9-yr 1.52 b,p $2,500 Intervest Nat Bk
10-yr 1.90 i,p $2,500 Discover Bk
10-yr 1.52 i $1,000 Intervest Nat Bk
10-yr 1.52 b,p $2,500 Intervest Nat Bk
10-yr 1.52 b,i,p $95,000 Intervest Nat Bk
10-yr 1.25 c1,i,p $20,000 Astoria Fed

Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.

*Notes: Example, "b,i,p" means that the account can be opened as a Business account, or an IRA, or a regular Personal account.

a18: Maximum age is 18.
a23: Maximum age is 23.
a50: Minimum age is 50.
b: Business account.
c0: Callable; can be redeemed by the bank after 6 months.
c1: Callable; can be redeemed by the bank after 1 year.
c2: Callable; can be redeemed by the bank after 2 years.
e: Rate guaranteed until specific date.
f: Variable rate.
g3: Not available in CA.
i: IRA.
k: Brokered; issued by an FDIC-insured bank and sold by a brokerage.
m0: Maximum $1,000.
m1: Maximum $10,000.
m2: Maximum $501.
m3: Maximum $25,000.
m4: Maximum $30,000.
m5: Maximum $35,000.
m6: Maximum $50,000.
m7: Maximum $70,000.
n: NCUA-insured. Anybody can join (unless Note "o" is indicated).
o: Military and their family only.
p: Personal account.
r0: Requires $1 checking account with one monthly direct deposit or bill payment.
r1: Requires one monthly direct deposit or ACH auto debit, and 10 debit card transactions.
r2: Requires $200/month direct deposit.
r3: Requires $100 checking account.
r5: Requires $25 checking account.
r4: Requires one monthly direct deposit or automatic payment and 15 debit card transactions.
r6: Requires 10 monthly debit card transactions.
r7: Requires $1 savings account.
r8: Requires one monthly $1,000+ direct deposit, 2 online bill payments and 7 debit card purchases.
r9: Requires $25 savings account.
r10: Requires $0 checking account, one monthly direct deposit, active loan (eg, Visa).
r11: Requires one monthly direct deposit or ACH auto debit, one online bill payment and 12 debit card transactions.
r12: Requires one monthly direct deposit or bill payment.
r13: Requires $100/month deposit.
r16: Requires one monthly automatic deposit, one online bill payment, and 15 debit card purchases.
r17: Requires $1,000 savings account.
r20: Requires one monthly direct deposit or two ACH auto debit and 10 debit card transactions.
r21: Requires $1 checking account with one monthly net pay direct deposit and 10 checks and/or signature debit card transactions.
r22: Requires $5 savings account with one $500 monthly deposit.
u: Commodity Basket CD at EverBank. Multiple foreign currencies in one CD. FDIC-insured.

Information subject to change; deemed reliable but not guaranteed. Please verify with the financial institution before depositing and notify us of discrepancies immediately.

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