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Certificates of Deposit
Government-insured. Nationwide deposits by mail, phone, online or at a branch if nearby.
More Nationawide CD Rates
Months (mo)
Years (yr)
| Term |
APY |
Notes* |
Minimum |
Bank |
| 1-mo |
1.00 |
p |
$5,000 |
Colorado FSB |
| 1-mo |
0.45 |
p |
$5,000 |
MutualOne Bk |
| 1-mo |
0.25 |
b,p |
$1,000 |
Beal Bk |
| 5-mo |
5.15 |
p |
$2,500 |
My Banking Direct |
| 7-mo |
4.33 |
p |
$500 |
MutualOne Bk |
| 7-mo |
0.45 |
p |
$500 |
Marcus |
| 8-mo |
5.00 |
i,n |
$1,000 |
Elements Financial |
| 8-mo |
5.00 |
n,p |
$1,000 |
Elements Financial |
| 16-mo |
4.50 |
i,p |
$0 |
Synchrony Bk |
| 16-mo |
3.50 |
p,r7 |
$1,000 |
Dollar Savings Direct |
| 16-mo |
2.75 |
p,r7 |
$1,000 |
EmigrantDirect |
| 17-mo |
5.20 |
b,p |
$5,000 |
Luana Sav Bk |
| 17-mo |
4.50 |
i,b,p,r10 |
$250,000 |
Consumers CU |
| 17-mo |
4.40 |
i,b,p,r10 |
$100,000 |
Consumers CU |
| 17-mo |
4.35 |
i,p |
$500 |
1st Source Bk |
| 17-mo |
4.30 |
i,b,p,r10 |
$250 |
Consumers CU |
| 17-mo |
4.05 |
n,p,m10 |
$1,000 |
Andrews FCU |
| 19-mo |
4.60 |
i,p |
$1,000 |
Capitol Fed |
| 19-mo |
4.50 |
i,p |
$0 |
Synchrony Bk |
| 19-mo |
3.70 |
i |
$100 |
3rd Fed S&L |
| 19-mo |
3.70 |
p |
$500 |
3rd Fed S&L |
| 25-mo |
4.50 |
b,p |
$5,000 |
BMO |
| 29-mo |
3.80 |
i |
$100 |
3rd Fed S&L |
| 29-mo |
3.80 |
p |
$500 |
3rd Fed S&L |
| 35-mo |
4.30 |
b,p |
$5,000 |
BMO |
| 39-mo |
4.00 |
i |
$100 |
3rd Fed S&L |
| 39-mo |
4.00 |
p |
$500 |
3rd Fed S&L |
| 3.5-yr |
4.10 |
i,p |
$1,500 |
TIAA Bk |
| 3.5-yr |
4.04 |
i |
$0 |
Luana Sav Bk |
| 3.5-yr |
4.04 |
b,p |
$100,000 |
Luana Sav Bk |
| 3.5-yr |
3.89 |
b,p |
$2,000 |
Luana Sav Bk |
| 3.5-yr |
3.50 |
i,p |
$1,000 |
Capitol Fed |
| 45-mo |
4.30 |
b,p |
$5,000 |
BMO |
| 49-mo |
4.85 |
b,i,n,p |
$10,000 |
NASA FCU |
| 49-mo |
4.00 |
i |
$100 |
3rd Fed S&L |
| 49-mo |
4.00 |
p |
$500 |
3rd Fed S&L |
| 59-mo |
4.30 |
b,p |
$5,000 |
BMO |
| 59-mo |
4.00 |
i |
$100 |
3rd Fed S&L |
| 59-mo |
4.00 |
p |
$500 |
3rd Fed S&L |
| 7-yr |
4.35 |
n,i |
$1,000 |
Andrews FCU |
| 7-yr |
3.91 |
i,n,p |
$40,000 |
Northrop Grumman FCU |
| 7-yr |
3.85 |
b,p |
$100,000 |
Luana Sav Bk |
| 7-yr |
3.80 |
n,p |
$1,000 |
Pentagon Fed CU |
| 7-yr |
3.80 |
i,p |
$2,500 |
Discover Bk |
| 7-yr |
3.73 |
b,p |
$2,000 |
Luana Sav Bk |
| 7-yr |
3.70 |
i,n |
$1,000 |
Pentagon Fed CU |
| 7-yr |
3.30 |
i,n,p |
$1,000 |
AFFCU |
| 8-yr |
3.84 |
b,p |
$100,000 |
Luana Sav Bk |
| 8-yr |
3.73 |
b,p |
$2,000 |
Luana Sav Bk |
| 10-yr |
3.80 |
i,p |
$2,500 |
Discover Bk |
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.
1st: First year APY. Lower APY in subsequent years.
a18: Maximum age is 18.
a23: Maximum age is 23.
a50: Minimum age is 50.
b: Business account.
e: Rate guaranteed until specific date.
f: Variable rate.
g1: Not available in CA, FL, NY or PA.
i: IRA.
k: Brokered; issued by an FDIC-insured bank and sold by a brokerage.
m0: Maximum $20,000.
m1: Maximum $10,000.
m2: Maximum $501.
m3: Maximum $25,000.
m4: Maximum $2,000.
m5: Maximum $35,000.
m6: Maximum $50,000.
m7: Maximum $5,000.
m8: Maximum $1,000.
m9: Maximum $15,000.
m10: Maximum $250,000.
n: NCUA-insured. Anybody can join (unless Note "o" is indicated) otherwise workarounds for membership restrictions usually available.
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.
r4: Requires one monthly direct deposit, ACH payment, or online bill payment, and 15 debit card transactions.
r6: Requires 10 monthly debit card transactions.
r7: Requires $1 savings account.
r8: Requires direct deposits of $1,500/mo, Account Aggregation, Invest Managed Portfolios Account, Invest Self Directed Trading account, monthly Axos loan payment.
r9: Requires $25 savings account.
r10: Requires $5 savings account.
r11: Requires one monthly electronic deposit from payroll, pension, social security, or annuity; and 7 electronic withdrawals.
r12: Requires 12 monthly debit card transactions.
r13: $500 deposit/month.
r14: Requires 15 transactions/month.
r15: Requires $1,000 in monthly credit card purchase transactions.
r16: Requires 15 debit card purchases or $400 in net spend purchases using your debit card.
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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