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1. Banking
2. CDs
3. Best CD rates

BEST CD RATES OF JULY 2024 (UP TO 5.40%)

Written by
Matthew Goldberg
Matthew Goldberg
Senior Consumer Banking Reporter
Ribbon Expertise
* • Consumer banking
* • Savings accounts and CDs

Calendar
22 Years of experience
Matthew Goldberg is a consumer banking reporter at Bankrate where he uses his
more than 13 years of financial services experience to help inform readers about
their important personal finance decisions.
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+ 2 others Caret Down
Edited by
Marc Wojno
Marc Wojno
Senior banking editor
Ribbon Expertise
* • Personal finance
* • Savings accounts

Marc Wojno is a seasoned and accomplished finance editor and writer with more
than two decades of experience editing and writing across a variety of news
platforms including newswires, newsletters, magazines and online news sites.
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* LinkedIn
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Marc Wojno
Reviewed by
Greg McBride, CFA
Greg McBride, CFA
Chief financial analyst, Personal Finance
Ribbon Expertise
* • Personal finance
* • Investing

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25 Years of experience
Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a
team responsible for researching financial products, providing analysis, and
advice on personal finance to a vast consumer audience.
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About our review board
Close
Greg McBride, CFA
Edited by
Marc Wojno
Marc Wojno
Senior banking editor
Ribbon Expertise
* • Personal finance
* • Savings accounts

Close
Marc Wojno
Reviewed by
Greg McBride, CFA
Greg McBride, CFA
Chief financial analyst, Personal Finance
Ribbon Expertise
* • Personal finance
* • Investing

About our review board
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Greg McBride, CFA

Updated July 15, 2024

Editorial note: While our partners compensate us from links on this page, we
maintain editorial integrity, and partners don't influence our product
evaluations. Here's how we make money and here is our advertiser disclosure.

ADVERTISER DISCLOSURE

The listings that appear on this page are from companies from which this website
receives compensation, which may impact how, where and in what order products
appear. This table does not include all companies or all available products.
Bankrate does not endorse or recommend any companies.

Certificates of deposit (CDs) can be an ideal account to allocate some of your
savings, especially if you’re looking for a fixed APY. Bankrate’s list of
top-yielding CD rates are much higher than today's national average yield of
1.81 percent for a one-year CD. Read more

Bankrate provides you with timely news and rate information on top yielding CDs
for some of the most popular, and largest, FDIC-insured banks and NCUA-insured
credit unions. This way you don’t have to spend time searching many bank and
credit union websites. Since 1976, Bankrate has been a trusted source of banking
information to help you make well-informed decisions on your finances.

Before opening a certificate of deposit, be sure to read expert advice and tips
below to ensure a financially safe decision. Here are Bankrate's top picks for
banks with the best CD rates.

* Vio Bank — 6 months - 5 years, 2.75% – 5.25% APY, $500 minimum deposit
* America First Credit Union — 3 months - 5 years, 4.20% – 5.25% APY, $500
minimum deposit
* Popular Direct — 3 months - 5 years, 4.25% – 5.25% APY, $10,000 minimum
deposit
* Synchrony Bank — 3 months - 5 years, 0.25% – 5.15% APY, no minimum deposit
* Marcus by Goldman Sachs — 6 months - 5 years, 4.00% – 5.15% APY, $500 minimum
deposit
* Sallie Mae Bank — 6 months - 5 years, 4.00% – 5.15% APY, $2,500 minimum
deposit
* Quontic Bank — 3 months - 5 years, 4.30% – 5.10% APY, $500 minimum deposit
* Barclays Bank — 6 months - 5 years, 3.50% – 5.00% APY, no minimum deposit
* Capital One — 6 months - 5 years, 3.90% – 5.00% APY, no minimum deposit
* Citizens Access — 1 year - 5 years, 3.35% – 5.00% APY, $5,000 minimum deposit

Note: Annual percentage yields (APYs) shown were updated between July 10 and
July 16. All other information is current as of July 15. Bankrate's editorial
team validates this information regularly, typically biweekly. APYs may have
changed since they were last updated and may vary by region for some products.
Bankrate includes only FDIC banks or NCUA credit unions in its listings.

Show Less

Page preview:

Table of contents

Show me:

The following accounts can be found at most banks and credit unions. They’re
federally insured for up to $250,000 and offer a safe place to put your money
while earning interest.

Certificate of Deposit (CD)

CDs are best for individuals looking for a guaranteed rate of return that’s
typically higher than a savings account. In exchange for a higher rate, funds
are tied up for a set period of time and early withdrawal penalties may apply.

Checking account

Checking accounts are best for individuals who want to keep their money safe
while still having easy, day-to-day access to their funds. ATM and other
transactional fees may apply.

Savings / Money Market Accounts (MMA)

Savings and MMAs are good options for individuals looking to save for
shorter-term goals. They’re a safe way to separate your savings from everyday
cash, but may require larger minimum balances and have transfer limitations.

CDsChecking
Savings & MMAs
Close X

Expert tip: You can access your money anytime with a high-yield savings account.
Zip code
Deposit amount
Filters
Current 1 year CD trends
Bankrate Partner average
4.79% APY
National average
1.81% APY

The "Bankrate Partner average" is calculated from the average of the top savings
account offers from the institutions we track, included on this page as of
7/17/2024. "National average" is determined by Bankrate's comprehensive national
survey of savings accounts and CDs.

CDs

CD rates
CD IRA rates
No penalty CD rates
Min. term lengthSelect...1 month6 months1 year1.5 years2 years3 years4 years5
years
Max. term lengthSelect...1 month6 months1 year1.5 years2 years3 years4 years5
years5+ years
Reset

SPONSORED OFFERS

Offers featured here have been sponsored which impacts how, where, and in what
order the products appear. Not all offers are displayed on this page.

These are sponsored offers rated highly by us for competitive rates, fees, and
minimums.Learn more.
CD

Marcus by Goldman Sachs CD

Member FDIC
4.9
Bankrate CD rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.15
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
500
Term
1
yr
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$500.00
* Bankrate's view
EXPERT TAKE:

Marcus by Goldman Sachs offers nearly every term and type of CD that most
savers would want along with competitive rates. Marcus also offers a 10-day
rate guarantee if the rate changes after opening the CD. Read full review

Pros
* Marcus by Goldman Sachs consistently offers competitive yields.
* Marcus offers a variety of CD terms, so you can easily build a CD ladder
at this bank.
* An account can be opened with as little as $500.
* Offers three terms of no-penalty CDs.

Cons
* Some banks have lower minimum deposit requirements.
* Partial withdrawals are not allowed from the no-penalty CDs

Marcus by Goldman Sachs CD

Member FDIC
4.9
Bankrate CD rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.10
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
500
Term
6
mo
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$500.00
* Bankrate's view
EXPERT TAKE:

Cons
* Some banks have lower minimum deposit requirements.
* Partial withdrawals are not allowed from the no-penalty CDs

LendingClub CD

Member FDIC
4.3
Bankrate CD rating = 4.3/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.20
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
2,500
Term
10
mo
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$2,500.00
Current Promotion

Earn more - guaranteed returns & competitive rates. Member FDIC.

* Bankrate's view
EXPERT TAKE:

LendingClub offers competitive yields on its CDs and there are five terms to
choose from. A minimum deposit of $2,500 is required, however. Read full
review

Pros
* LendingClub’s CDs earn high APYs.
* A wide range of terms are available, between six months and five years.

Cons
* Various other banks require lower minimum deposits on CDs.
* LendingClub doesn’t offer a no-penalty CD.

BMO Alto CD

Member FDIC
4.5
Bankrate CD rating = 4.5/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.05
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
0
Term
1
yr
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$0.00
Current Promotion

Grow your savings with BMO’s high-yield, online-only CDs. No minimum balance,
$0 minimum opening deposit, 6 available fixed terms, and interest paid
monthly.

* Bankrate's view
EXPERT TAKE:

BMO Alto offers CD terms between 6 months and 5 years, all of which earn
competitive yields. The online-only bank doesn’t have a minimum balance
requirement. But you will need to fund your CD within 10 days after opening
it. Read full review

Pros
* BMO Alto CDs have highly competitive yields.
* You won’t need to make a minimum opening deposit.
* Available CD terms range from six months to five years.
* BMO Alto CDs are available nationwide.

Cons
* You can’t withdraw your money from a BMO Alto CD until 15 days after your
opening deposit. (BMO Harris’ brick-and-mortar CDs have an 11 business day
policy on this, according to BMO Harris.)
* BMO Alto doesn’t offer a no-penalty CD.
* The early withdrawal penalty for CDs up to a year is on the steep side.

BMO Alto CD

Member FDIC
4.5
Bankrate CD rating = 4.5/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
4.75
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
0
Term
5
yr
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$0.00
Current Promotion

Grow your savings with BMO’s high-yield, online-only CDs. No minimum balance,
$0 minimum opening deposit, 6 available fixed terms, and interest paid
monthly.

* Bankrate's view
EXPERT TAKE:

Barclays CD

Member FDIC
4.8
Bankrate CD rating = 4.8/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
3.75
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
0
Term
5
yr
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$0.00
* Bankrate's view
EXPERT TAKE:

Barclays offers competitive yields on many of its CDs and doesn’t require a
minimum opening deposit. But you’ll have to deposit some money within 14 days
of opening the CD to maintain the account. Read full review

Pros
* Barclays doesn’t have a minimum deposit requirement.
* Barclays offers a competitive yield.
* Interest on Barclays CDs compounds daily.
* Offers a 14-day grace period in which funds can be withdrawn from the CD
without penalties.

Cons
* Barclays doesn’t have competitive yields on CDs with terms under a year.
* The bank does not offer any special CDs, such as bump-up or step-up CDs.

Barclays CD

Member FDIC
4.8
Bankrate CD rating = 4.8/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.00
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
0
Term
1
yr
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$0.00
* Bankrate's view
EXPERT TAKE:

Cons
* Barclays doesn’t have competitive yields on CDs with terms under a year.
* The bank does not offer any special CDs, such as bump-up or step-up CDs.

Bask Bank CD

Member FDIC
4.4
Bankrate CD rating = 4.4/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.30
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
1,000
Term
1
yr
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$1,000.00
* Bankrate's view
EXPERT TAKE:

Bask Bank offers just four CDs, ranging from 6 to 24 months. While its CD
list is much smaller than you may find at other banks, all of Bask’s CDs come
with top-notch yields. However, you need at least $1,000 to open an account.
Read full review

Pros
* All of Bask Bank CDs come with very high APYs.
* The $1,000 minimum deposit is reasonable.

Cons
* There are very few terms to choose from.
* Bask doesn’t offer specialty CDs, including bump-up or no-penalty CDs.

Bask Bank CD

Member FDIC
4.4
Bankrate CD rating = 4.4/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.35
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
1,000
Term
6
mo
Promoted offer
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$1,000.00
* Bankrate's view
EXPERT TAKE:

Pros
* All of Bask Bank CDs come with very high APYs.
* The $1,000 minimum deposit is reasonable.

Cons
* There are very few terms to choose from.
* Bask doesn’t offer specialty CDs, including bump-up or no-penalty CDs.

Ponce Bank CD

Member FDIC
APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

as of Jul 17
5.30
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
1
Term
1
mo
Promoted offer: Get a great rate without locking up your funds long-term.
Next Arrow
* Product details
CD account details
Offer valid as of
7/17/2024
Minimum deposit
$1.00

Get a great rate without locking up your funds long-term.

* BankMatch ™
* Savings calculator
* Rates comparison

Find your bank faster

Skip the searching and get matched to the perfect bank for your savings goals.

Find my match

Estimate your earnings in seconds
Initial Deposit
Monthly contribution
Investment period
APY
Interest earned$535
Total contributions$0
Initial deposit$10,000
Total savings$10,535.00

That's $372.00 better than the national average

CD RATE SNAPSHOT FOR July 17, 2024
Highest APY on Bankrate: 5.40%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest. Rate displayed is the
highest rate from our partner banks. Higher rates may be available

NATIONAL AVERAGE

National average is determined by the FDIC National Deposit Rate for savings
(1.71% as of 6/07/2023)

APY
APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

1.71%

HIGHEST APY ON BANKRATE

APY
APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

5.40%
Min.Minimum balance for APY
$25,000
Member FDIC
APY
APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

0.03%
Min.Minimum balance for APY
$1,000
Member FDIC
APY
APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

0.01%
Min.Minimum balance for APY
$1,000
Offers from banks you may use
The APYs listed below were last updated between 7/10 and 7/16.

Each week, Bankrate's editorial staff surveys hundreds of banks to determine
their best rates. Based on the cadence of our review, the actual rates listed
may differ from the rates surveyed by our staff. Contact the bank to receive the
most current rates.

Bank of America CD

Member FDIC
4.2
Bankrate CD rating = 4.2/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

0.03
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
1,000
Term
1
yr
Read review
* Product details
CD account details
Offer last updated between
7/10 - 7/16
Minimum deposit
$1,000.00
* Bankrate's view
EXPERT TAKE:

Bank of America’s one-year CD doesn’t offer a competitive yield. And you’ll
need at least $1,000 to open a Bank of America one-year CD. Read full review

Pros
* Those who live near a Bank of America location might find it convenient to
open a CD at a branch near their home.

Cons
* The yield on Bank of America’s one-year CD is well below the national
average.
* There’s an $8 monthly service fee if you don’t qualify to waive it.
* Bank of America’s $1,000 minimum opening deposit requirement is higher
than at some other banks.

Chase Bank CD

Member FDIC
2.8
Bankrate CD rating = 2.8/5

Bankrate scores are objectively determined by our editorial team. Annual
percentage yields (APYs) and minimum deposits are some of the things that make
up Bankrate’s score.

APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

0.01
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
1,000
Term
1
yr
Read review
* Product details
CD account details
Offer last updated between
7/10 - 7/16
Minimum deposit
$1,000.00
* Bankrate's view
EXPERT TAKE:

Chase’s one-year CD pays a competitive yield for its relationship rate CDs.
But its standard rates are well below the national average for one-year CDs.
You’ll need at least $1,000 to open a Chase CD. Read full review

Pros
* Chase pays a relationship rate on its one-year CD. While the standard
rates are not competitive, the relationship rates are on a few select
terms.

Cons
* The Chase one-year CD has a yield that’s much lower than the national
average.
* You’ll need an eligible Chase checking account to earn a competitive APY
on a Chase one-year CD.
* You need $1,000 to open a Chase CD, which is more than the minimum at some
other banks.

Additional offers
The APYs listed below were last updated between 7/10 and 7/16.

NexBank SSB CD

Member FDIC
APY

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

5.40
%

APY, or annual percentage yield, is the yearly return on a bank or investment
account. APY includes the effects of compounding interest.

Min. deposit
$
25,000
Term
1
yr

* Product details
CD account details
Offer last updated between
7/10 - 7/16
Minimum deposit
$25,000.00

On This Page

* Best CD rates from top banks
* Recent news on CD rates
* Current promotional CD rates
* Compare top CD rates today by term
* How to choose the best CD for you
* Who should get a CD?
* Pros and cons of CDs
* Alternatives to CDs
* CD FAQs
* Research methodology

On This Page Jump to Menu List

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BEST CD RATES FROM TOP BANKS FOR JULY 2024

VIO BANK

Rating: 4.6 stars out of 5

4.6

OVERVIEW

Vio Bank offers traditional CDs with terms ranging from six months to 10 years,
an extensive variety compared to some other banks. The minimum deposit for each
account is relatively low at $500. CDs automatically renew once they mature
following a 10 day grace period. Yields are competitive for all CDs, but Vio’s
highest APYs are for CDs with terms of three years or less.
Read Bankrate's Expert Vio Bank Review
Invest Rate
2.75% – 5.25% APY
Loan
$500 minimum deposit
Calendar
6 months - 5 years

* CURRENT VIO BANK CD RATES

Caret Down

Term APY Min. deposit 6 months 5.25% APY $500 1 year 5.00% APY $500 18 months
4.50% APY $500 2 years 4.25% APY $500 3 years 3.50% APY $500 4 years 2.75%
APY $500 5 years 2.75% APY $500

* RATE HISTORY FOR VIO BANK'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Vio Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20241.00%2.00%3.00%4.00%5.00%6.00%
Term length 6 months 1 year 2 years 3 years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

VIO BANK CD RATES

Term length 6 months 1 year 18 months 2 years 3 years 4 years 5 years Caret
Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Vio Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 2.75% 1.41% 06/04/2024 2.75% 1.43% 04/02/2024 2.75% 1.42%
03/12/2024 2.75% 1.43% 02/06/2024 2.75% 1.42% 12/05/2023 2.75% 1.43%
11/07/2023 2.75% 1.45% 10/03/2023 2.75% 1.46% 09/05/2023 2.75% 1.43%
08/01/2023 2.75% 1.38% 07/18/2023 2.75% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Vio Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 6 months 1 year 18 months 2 years 3 years 4 years 5 years Caret
Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

VIO BANK CD RATES

* WHY WE CHOSE IT

Caret Down
* There is a wide variety of terms available.
* Some banks have much higher minimum deposit requirements.
* CD rates are highly competitive.

* There is a wide variety of terms available.
* Some banks have much higher minimum deposit requirements.
* CD rates are highly competitive.

* WHAT TO WATCH FOR

Caret Down
* Early withdrawals come with a high penalty.
* There are no special types of CDs or promotions available.
* Some online banks offer higher CD rates.

* Early withdrawals come with a high penalty.
* There are no special types of CDs or promotions available.
* Some online banks offer higher CD rates.

AMERICA FIRST CREDIT UNION

Rating: 5 stars out of 5

5.0

OVERVIEW

America First Credit Union offers a wide range of CD terms between three and 60
months, and all earn rates that are highly competitive. Also offered are
specialty CDs such as a bump-rate CD and a flexible CD. All CDs require a
manageable minimum opening deposit.
Read Bankrate's Expert America First Credit Union Review
Invest Rate
4.20% – 5.25% APY
Loan
$500 minimum deposit
Calendar
3 months - 5 years

* CURRENT AMERICA FIRST CREDIT UNION CD RATES

Caret Down

Term APY Min. deposit 3 months 5.25% APY $500 6 months 5.25% APY $500 9
months 5.25% APY $500 1 year 5.15% APY $500 18 months 4.50% APY $500 2 years
4.50% APY $500 30 months 4.20% APY $500 3 years 4.35% APY $500 4 years 4.20%
APY $500 5 years 4.20% APY $500

* RATE HISTORY FOR AMERICA FIRST CREDIT UNION'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

America First Credit Union
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20240.00%1.00%2.00%3.00%4.00%5.00%6.00%
Term length 3 months 6 months 9 months 1 year 18 months 2 years 30 months 3
years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

AMERICA FIRST CREDIT UNION CD RATES

Term length 3 months 6 months 9 months 1 year 18 months 2 years 30 months 3
years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
America First Credit Union
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 4.20% 1.41% 06/04/2024 4.20% 1.43% 04/02/2024 4.20% 1.42%
03/12/2024 4.20% 1.43% 02/06/2024 4.20% 1.42% 12/05/2023 4.20% 1.43%
11/07/2023 4.20% 1.45% 10/24/2023 4.10% 1.46% 10/03/2023 4.00% 1.46%
09/05/2023 4.00% 1.43% 08/01/2023 4.00% 1.38% 07/18/2023 4.00% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

America First Credit Union
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 3 months 6 months 9 months 1 year 18 months 2 years 30 months 3
years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

AMERICA FIRST CREDIT UNION CD RATES

* WHY WE CHOSE IT

Caret Down
* CD rates from America First are highly competitive. Specialty CDs are
available, including a bump-up option. Both the standard and specialty CDs
require low minimum deposits.

* CD rates from America First are highly competitive. Specialty CDs are
available, including a bump-up option. Both the standard and specialty CDs
require low minimum deposits.

* WHAT TO WATCH FOR

Caret Down
* Bump rates may only be adjusted once per term.

* Bump rates may only be adjusted once per term.

POPULAR DIRECT

Rating: 4 stars out of 5

4.0

OVERVIEW

Popular Direct is an online bank and a subsidiary of Popular Inc., a more than
130-year-old financial services company. Popular Direct was previously known as
Banco Popular North America.

Popular Direct offers CDs in eight terms ranging from three months to five
years. With a $10,000 minimum deposit to open, these CDs are geared toward
serious savers. Interest compounds daily. Popular Direct doesn’t offer specialty
CDs, such as bump-up or no-penalty CDs. It does offer a savings account with a
competitive rate.
Read Bankrate's Expert Popular Direct Review
Invest Rate
4.25% – 5.25% APY
Loan
$10,000 minimum deposit
Calendar
3 months - 5 years

* CURRENT POPULAR DIRECT CD RATES

Caret Down

Term APY Min. deposit 3 months 5.25% APY $10,000 6 months 5.20% APY $100,000
1 year 5.20% APY $10,000 18 months 4.80% APY $10,000 2 years 4.70% APY
$10,000 3 years 4.50% APY $10,000 4 years 4.25% APY $10,000 5 years 4.30% APY
$10,000

* RATE HISTORY FOR POPULAR DIRECT'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Popular Direct
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20240.00%1.00%2.00%3.00%4.00%5.00%6.00%
Term length 3 months 6 months 1 year 18 months 2 years 3 years 4 years 5
years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

POPULAR DIRECT CD RATES

Term length 3 months 6 months 1 year 18 months 2 years 3 years 4 years 5
years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Popular Direct
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 4.30% 1.41% 06/04/2024 4.30% 1.43% 04/02/2024 4.30% 1.42%
03/26/2024 4.30% 1.43% 03/19/2024 4.35% 1.43% 03/12/2024 4.45% 1.43%
02/06/2024 4.45% 1.42% 01/30/2024 4.45% 1.43% 01/23/2024 4.35% 1.43%
01/09/2024 4.40% 1.43% 01/02/2024 4.50% 1.43% 12/26/2023 4.60% 1.43%
12/12/2023 4.65% 1.43% 12/05/2023 4.70% 1.43% 11/14/2023 4.70% 1.45%
11/07/2023 4.65% 1.45% 10/03/2023 4.65% 1.46% 09/12/2023 4.65% 1.43%
09/05/2023 4.60% 1.43% 08/01/2023 4.60% 1.38% 07/18/2023 4.60% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Popular Direct
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 3 months 6 months 1 year 18 months 2 years 3 years 4 years 5
years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

POPULAR DIRECT CD RATES

* WHY WE CHOSE IT

Caret Down
Popular Direct consistently offers competitive rates across their CDs and
savings accounts.
Popular Direct consistently offers competitive rates across their CDs and
savings accounts.

* WHAT TO WATCH FOR

Caret Down
Popular Direct has a $10,000 minimum deposit to open. They also don't offer
specialty CDs like bump-up or no-penalty CDs.
Popular Direct has a $10,000 minimum deposit to open. They also don't offer
specialty CDs like bump-up or no-penalty CDs.

SYNCHRONY BANK

Rating: 4.9 stars out of 5

4.9

OVERVIEW

Synchrony Bank offers many regular CDs ranging from three months to five years.
It also added a no-penalty CD and a bump-up CD earlier this year. Synchrony Bank
also offers IRA CDs.
Read Bankrate's Expert Synchrony Bank Review
Invest Rate
0.25% – 5.15% APY
Loan
$0 minimum deposit
Calendar
3 months - 5 years

* CURRENT SYNCHRONY BANK CD RATES

Caret Down

Term APY Min. deposit 3 months 0.25% APY $0 6 months 4.80% APY $0 9 months
4.90% APY $0 1 year 4.80% APY $0 13 months 5.15% APY $0 18 months 4.50% APY
$0 2 years 4.20% APY $0 3 years 4.15% APY $0 4 years 4.00% APY $0 5 years
4.00% APY $0

* RATE HISTORY FOR SYNCHRONY BANK'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Synchrony Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20240.00%1.00%2.00%3.00%
Term length 3 months 6 months 9 months 1 year 13 months 18 months 2 years 3
years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

SYNCHRONY BANK CD RATES

Term length 3 months 6 months 9 months 1 year 13 months 18 months 2 years 3
years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Synchrony Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 4.00% 1.41% 06/04/2024 4.00% 1.43% 04/02/2024 4.00% 1.42%
03/12/2024 4.00% 1.43% 02/06/2024 4.00% 1.42% 12/05/2023 4.00% 1.43%
11/07/2023 4.00% 1.45% 10/03/2023 4.00% 1.46% 09/05/2023 4.00% 1.43%
08/01/2023 4.00% 1.38% 07/18/2023 4.00% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Synchrony Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 3 months 6 months 9 months 1 year 13 months 18 months 2 years 3
years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

SYNCHRONY BANK CD RATES

* WHY WE CHOSE IT

Caret Down
* Synchrony Bank offers many terms of CDs. It offers a competitive yield,
and it doesn’t require a minimum opening deposit.

* Synchrony Bank offers many terms of CDs. It offers a competitive yield,
and it doesn’t require a minimum opening deposit.

* WHAT TO WATCH FOR

Caret Down
* Partial withdrawals on the no-penalty CD are not allowed.

* Partial withdrawals on the no-penalty CD are not allowed.

MARCUS BY GOLDMAN SACHS

Rating: 4.9 stars out of 5

4.9

OVERVIEW

Marcus by Goldman Sachs offers a competitive yield on its CDs. It offers a
variety of CD terms and CD types. Its regular CD terms range from a six-month CD
to a six-year CD.

In addition to its nine terms of regular CDs, it also offers three no-penalty
CDs and a rate-bump CD.

All of these CDs have a $500 minimum deposit requirement.
Read Bankrate's Expert Marcus by Goldman Sachs Review
Invest Rate
4.00% – 5.15% APY
Loan
$500 minimum deposit
Calendar
6 months - 5 years

* CURRENT MARCUS BY GOLDMAN SACHS CD RATES

Caret Down

Term APY Min. deposit 6 months 5.10% APY $500 9 months 5.00% APY $500 1 year
5.15% APY $500 18 months 4.60% APY $500 2 years 4.20% APY $500 3 years 4.15%
APY $500 4 years 4.05% APY $500 5 years 4.00% APY $500

* RATE HISTORY FOR MARCUS BY GOLDMAN SACHS'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Marcus by Goldman Sachs
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20241.00%2.00%3.00%4.00%5.00%6.00%
Term length 6 months 9 months 1 year 18 months 2 years 3 years 4 years 5
years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

MARCUS BY GOLDMAN SACHS CD RATES

Term length 6 months 9 months 1 year 18 months 2 years 3 years 4 years 5
years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Marcus by Goldman Sachs
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 4.00% 1.41% 06/04/2024 4.00% 1.43% 04/02/2024 4.00% 1.42%
03/08/2024 4.00% 1.43% 02/27/2024 4.00% 1.42% 02/06/2024 4.10% 1.42%
12/05/2023 4.10% 1.43% 11/07/2023 4.10% 1.45% 10/17/2023 4.10% 1.46%
10/03/2023 3.80% 1.46% 09/05/2023 3.80% 1.43% 08/01/2023 3.80% 1.38%
07/18/2023 3.80% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Marcus by Goldman Sachs
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 6 months 9 months 1 year 18 months 2 years 3 years 4 years 5
years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

MARCUS BY GOLDMAN SACHS CD RATES

* WHY WE CHOSE IT

Caret Down
* Ever since rates have been increasing, Marcus by Goldman Sachs has been
one of the banks consistently increasing its yields to be competitive.

* Ever since rates have been increasing, Marcus by Goldman Sachs has been
one of the banks consistently increasing its yields to be competitive.

* WHAT TO WATCH FOR

Caret Down
* Some banks don’t require a minimum deposit. So if you don’t have at least
$500 available to deposit into a Marcus CD, you’ll have to look elsewhere.

* Some banks don’t require a minimum deposit. So if you don’t have at least
$500 available to deposit into a Marcus CD, you’ll have to look elsewhere.

SALLIE MAE BANK

Rating: 4.4 stars out of 5

4.4

OVERVIEW

Sallie Mae Bank offers 11 terms of CDs, a savings account, money market account
and private student loans. It offers a competitive yield on its deposit
products.

Established in 2005, Sallie Mae Bank is headquartered in Salt Lake City. In
2014, Sallie Mae became a stand-alone consumer banking business.
Read Bankrate's Expert Sallie Mae Bank Review
Invest Rate
4.00% – 5.15% APY
Loan
$2,500 minimum deposit
Calendar
6 months - 5 years

* CURRENT SALLIE MAE BANK CD RATES

Caret Down

Term APY Min. deposit 6 months 4.80% APY $2,500 9 months 4.85% APY $2,500 11
months 5.10% APY $2,500 1 year 5.15% APY $2,500 13 months 5.10% APY $2,500 18
months 4.75% APY $2,500 2 years 4.50% APY $2,500 30 months 4.00% APY $2,500 3
years 4.00% APY $2,500 5 years 4.00% APY $2,500

* RATE HISTORY FOR SALLIE MAE BANK'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Sallie Mae Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20241.00%2.00%3.00%4.00%5.00%6.00%
Term length 6 months 9 months 11 months 1 year 18 months 2 years 30 months 3
years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

SALLIE MAE BANK CD RATES

Term length 6 months 9 months 11 months 1 year 13 months 18 months 2 years 30
months 3 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Sallie Mae Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 4.00% 1.41% 06/04/2024 4.00% 1.43% 04/02/2024 4.00% 1.42%
03/12/2024 4.00% 1.43% 02/06/2024 4.00% 1.42% 12/05/2023 4.00% 1.43%
11/07/2023 4.00% 1.45% 10/03/2023 4.00% 1.46% 09/05/2023 4.00% 1.43%
08/01/2023 4.00% 1.38% 07/18/2023 4.00% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Sallie Mae Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 6 months 9 months 11 months 1 year 13 months 18 months 2 years 30
months 3 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

SALLIE MAE BANK CD RATES

* WHY WE CHOSE IT

Caret Down
Sallie Mae offers a variety of terms. The bank’s yields are competitive and
much higher than average.
Sallie Mae offers a variety of terms. The bank’s yields are competitive and
much higher than average.

* WHAT TO WATCH FOR

Caret Down
Lower minimum deposit requirements can be found at other banks. Specialty
CDs, like CDs that allow for rate bumps, aren’t offered.
Lower minimum deposit requirements can be found at other banks. Specialty
CDs, like CDs that allow for rate bumps, aren’t offered.

QUONTIC BANK

Rating: 4 stars out of 5

4.0

OVERVIEW

Quontic Bank offers six terms of CDs, ranging from three months to five years,
that require $500 to open. The rates for all six terms are very competitive.
Read Bankrate's Expert Quontic Bank Review
Invest Rate
4.30% – 5.10% APY
Loan
$500 minimum deposit
Calendar
3 months - 5 years

* CURRENT QUONTIC BANK CD RATES

Caret Down

Term APY Min. deposit 3 months 4.85% APY $500 6 months 5.10% APY $500 1 year
4.50% APY $500 2 years 4.50% APY $500 3 years 4.40% APY $500 5 years 4.30%
APY $500

* RATE HISTORY FOR QUONTIC BANK'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Quontic Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20241.00%2.00%3.00%4.00%5.00%6.00%
Term length 6 months 1 year 2 years 3 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

QUONTIC BANK CD RATES

Term length 3 months 6 months 1 year 2 years 3 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Quontic Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 4.30% 1.41% 06/04/2024 4.30% 1.43% 04/02/2024 4.30% 1.42%
03/12/2024 4.30% 1.43% 02/06/2024 4.30% 1.42% 12/05/2023 4.30% 1.43%
11/07/2023 4.30% 1.45% 10/03/2023 4.30% 1.46% 09/05/2023 4.30% 1.43%
08/01/2023 4.30% 1.38% 07/18/2023 4.30% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Quontic Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 3 months 6 months 1 year 2 years 3 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

QUONTIC BANK CD RATES

* WHY WE CHOSE IT

Caret Down
* Quontic pays competitive rates on the five CD terms it offers.
* Only $500 is needed to open a CD.

* Quontic pays competitive rates on the five CD terms it offers.
* Only $500 is needed to open a CD.

* WHAT TO WATCH FOR

Caret Down
* Some banks have lower minimum deposit requirements.
* Quontic Bank’s early withdrawal penalties are higher than those of some
other banks.

* Some banks have lower minimum deposit requirements.
* Quontic Bank’s early withdrawal penalties are higher than those of some
other banks.

BARCLAYS BANK

Rating: 4.8 stars out of 5

4.8

OVERVIEW

Barclays is an online bank popular for its credit cards, but it also offers CDs
and an online savings account. Barclays offers seven terms of CDs ranging from
six months to five years.
Read Bankrate's Expert Barclays Bank Review
Invest Rate
3.50% – 5.00% APY
Loan
$0 minimum deposit
Calendar
6 months - 5 years

* CURRENT BARCLAYS BANK CD RATES

Caret Down

Term APY Min. deposit 6 months 4.85% APY $0 1 year 5.00% APY $0 18 months
4.50% APY $0 2 years 4.00% APY $0 3 years 3.50% APY $0 4 years 3.50% APY $0 5
years 3.75% APY $0

* RATE HISTORY FOR BARCLAYS BANK'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Barclays Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20241.00%2.00%3.00%4.00%5.00%6.00%
Term length 1 year 18 months 2 years 3 years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

BARCLAYS BANK CD RATES

Term length 6 months 1 year 18 months 2 years 3 years 4 years 5 years Caret
Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Barclays Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 3.75% 1.41% 06/04/2024 3.75% 1.43% 04/02/2024 3.75% 1.42%
03/12/2024 3.75% 1.43% 02/13/2024 3.75% 1.42% 02/06/2024 4.15% 1.42%
12/22/2023 4.15% 1.43% 12/05/2023 4.50% 1.43% 11/07/2023 4.50% 1.45%
10/03/2023 4.50% 1.46% 09/05/2023 4.50% 1.43% 08/01/2023 4.50% 1.38%
07/17/2023 4.50% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Barclays Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

BARCLAYS BANK CD RATES

Term length 6 months 1 year 18 months 2 years 3 years 4 years 5 years Caret
Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Barclays Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 3.75% 1.41% 06/04/2024 3.75% 1.43% 04/02/2024 3.75% 1.42%
03/12/2024 3.75% 1.43% 02/13/2024 3.75% 1.42% 02/06/2024 4.15% 1.42%
12/22/2023 4.15% 1.43% 12/05/2023 4.50% 1.43% 11/07/2023 4.50% 1.45%
10/03/2023 4.50% 1.46% 09/05/2023 4.50% 1.43% 08/01/2023 4.50% 1.38%
07/17/2023 4.50% 1.36%

* WHY WE CHOSE IT

Caret Down
* Barclays offers competitive yields on most of its CD terms. Also, the bank
doesn’t require a minimum opening deposit.

* Barclays offers competitive yields on most of its CD terms. Also, the bank
doesn’t require a minimum opening deposit.

* WHAT TO WATCH FOR

Caret Down
* Barclays, like many other online-based banks, isn't a full-service banking
institution. It doesn't have a checking account, ATM network or U.S.
branch locations.

* Barclays, like many other online-based banks, isn't a full-service banking
institution. It doesn't have a checking account, ATM network or U.S.
branch locations.

CAPITAL ONE

Rating: 4.9 stars out of 5

4.9

OVERVIEW

Capital One offers CDs with terms as short as six months or as long as five
years. These CDs have no minimum opening deposit and the bank offers competitive
yields.
Read Bankrate's Expert Capital One Review
Invest Rate
3.90% – 5.00% APY
Loan
$0 minimum deposit
Calendar
6 months - 5 years

* CURRENT CAPITAL ONE CD RATES

Caret Down

Term APY Min. deposit 6 months 4.25% APY $0 9 months 4.25% APY $0 10 months
4.25% APY $0 1 year 5.00% APY $0 2 years 4.00% APY $0 30 months 4.00% APY $0
3 years 4.00% APY $0 4 years 3.95% APY $0 5 years 3.90% APY $0

* RATE HISTORY FOR CAPITAL ONE'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Capital One
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20241.00%2.00%3.00%4.00%5.00%
Term length 6 months 9 months 10 months 1 year 2 years 30 months 3 years 4
years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

CAPITAL ONE CD RATES

Term length 6 months 9 months 10 months 1 year 2 years 30 months 3 years 4
years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Capital One
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 3.90% 1.41% 06/04/2024 3.90% 1.43% 04/16/2024 3.90% 1.42%
04/02/2024 4.00% 1.42% 03/12/2024 4.00% 1.43% 02/06/2024 4.00% 1.42%
01/23/2024 4.00% 1.43% 12/05/2023 4.10% 1.43% 11/07/2023 4.10% 1.45%
10/03/2023 4.10% 1.46% 09/05/2023 4.10% 1.43% 08/01/2023 4.10% 1.38%
07/18/2023 4.10% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Capital One
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 6 months 9 months 10 months 1 year 2 years 30 months 3 years 4
years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

CAPITAL ONE CD RATES

* WHY WE CHOSE IT

Caret Down
* With no minimum opening deposit, Capital One’s CDs are a good choice for
pretty much anyone looking for a fixed yield. Capital One also offers a
variety of terms suitable for a CD ladder or other long-term saving
strategy.

* With no minimum opening deposit, Capital One’s CDs are a good choice for
pretty much anyone looking for a fixed yield. Capital One also offers a
variety of terms suitable for a CD ladder or other long-term saving
strategy.

* WHAT TO WATCH FOR

Caret Down
* Capital One doesn’t offer a no-penalty CD or a rate bump CD.

* Capital One doesn’t offer a no-penalty CD or a rate bump CD.

CITIZENS ACCESS

Rating: 4.6 stars out of 5

4.6

OVERVIEW

Citizens Access offers six terms of CDs that all require at least a $5,000
deposit. Citizens’ CD terms range from one-year to five-years.
Read Bankrate's Expert Citizens Access Review
Invest Rate
3.35% – 5.00% APY
Loan
$5,000 minimum deposit
Calendar
1 year - 5 years

* CURRENT CITIZENS ACCESS CD RATES

Caret Down

Term APY Min. deposit 1 year 5.00% APY $5,000 2 years 4.00% APY $5,000 3
years 3.35% APY $5,000 4 years 3.40% APY $5,000 5 years 3.45% APY $5,000

* RATE HISTORY FOR CITIZENS ACCESS'S CD ACCOUNTS

Caret Down

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Citizens Access
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY
Created with Highcharts 9.3.3Jul 2023Oct 2023Jan 2024Apr 2024Jul
20241.00%2.00%3.00%4.00%5.00%6.00%
Term length 1 year 2 years 3 years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

CITIZENS ACCESS CD RATES

Term length 1 year 2 years 3 years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Citizens Access
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national
survey of savings accounts and CDs and reflects the monthly average APY for
each product.
Info
07/02/2024 3.45% 1.41% 06/04/2024 3.45% 1.43% 04/02/2024 3.45% 1.42%
03/12/2024 3.45% 1.43% 02/06/2024 3.45% 1.42% 12/05/2023 3.45% 1.43%
11/07/2023 3.45% 1.45% 10/03/2023 3.45% 1.46% 09/05/2023 3.45% 1.43%
08/01/2023 3.45% 1.38% 07/18/2023 3.45% 1.36%

See how rates for this account have changed over time. Select the CD term
length from the dropdown and interact with the trend lines to view APY by
date.

Citizens Access
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16.
Info
National average APY

Term length 1 year 2 years 3 years 4 years 5 years Caret Down
See table view
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for
banking institutions nationwide. We retain the historical data of every rate
we track in our database. If there are any gaps where we weren’t actively
tracking a rate at the time, the graph will reflect the missing data.
Info

CITIZENS ACCESS CD RATES

* WHY WE CHOSE IT

Caret Down
* Citizens offers competitive yields on its six terms of CDs.

* Citizens offers competitive yields on its six terms of CDs.

* WHAT TO WATCH FOR

Caret Down
* Citizens Access requires at least $5,000 to open a CD. The bank also no
longer offers a no-penalty CD.

* Citizens Access requires at least $5,000 to open a CD. The bank also no
longer offers a no-penalty CD.

BANKRATE'S EXPERTISE

Bankrate logo

BANKRATE’S TRUSTED INDUSTRY KNOWLEDGE

Read our full methodology

--------------------------------------------------------------------------------

Our banking editorial team regularly evaluates data from more than a hundred of
the top financial institutions across a range of categories (brick-and-mortar
banks, online banks, credit unions and more) to help you find the options that
work best for you.

48 years

of industry experience

3 k

deposits rates tracked

120

banks reviewed

RECENT NEWS ON CD RATES

At its last meeting on June 12, the Federal Reserve, once again, didn’t change
interest rates but is projecting only one rate cut this year. The Fed’s Federal
Open Market Committee kept its key benchmark, the federal funds rate, at a
target range of 5.25 to 5.5 percent.

Although it’s generally a bad time to borrow money at these rates, and credit
card rates are near an all-time high according to Bankrate data, it’s a great
time to save as top savings yields haven’t been this high in more than a decade.
Top CD yields peaked at the end of 2023, but you can still open a CD with a
competitive APY.

> CD yields have peaked. Whether your time horizon is measured in months or
> years, think about locking in current CD yields. — Greg McBride, CFA |
> Bankrate chief financial analyst

WHERE ARE CD RATES HEADED IN 2024?

CD rates are likely to maintain their current levels or slightly dip.

Currently, shorter-term CDs – with terms of six months to 18 months – generally
have higher yields than longer-term CDs. But those longer-term CD yields could
be peaking soon, if they haven’t already. So locking one in now could be a good
decision for long-term money that you want to keep safe in an FDIC-insured bank.

However, most CDs have significant early withdrawal penalties, so consider these
when deciding on an account and term.

NATIONAL AVERAGE INTEREST RATES FOR CDS

The national average of CD interest rates suggests that shorter term CDs have
higher yields than longer-term CDs. With the Fed having raised rates 11 times
since March 2022, what goes up might eventually come down. So, getting a
long-term CD now could make sense if the Fed lowers rates in the future.

Researching average interest rates provides insight into the CD rate environment
and can help in finding a CD with a yield that's much higher than average.

Here are the current average rates as of July 17, 2024, according to Bankrate's
most recent survey of institutions:

CD term CD national average APY 1 year 1.81% 2 year 1.54% 3 year 1.42% 4 year
1.46% 5 year 1.43%

CD term CD national average APY

* HOW BANKRATE CALCULATES THE NATIONAL AVERAGE

Caret Down

Bankrate calculates and reports the national average APYs for various CD
terms. Factored into national average rates are the competitive APYs commonly
offered by online banks, along with the very low rates often found at large
brick-and-mortar banks.

In June 2023, Bankrate updated its methodology that determines the national
average CD rates. For the process, more than 500 banks and credit unions are
now surveyed each week to generate the national averages. Among these
institutions are those that are broadly available and offer high yields, as
well as some of the nation’s largest banks.

CURRENT PROMOTIONAL CD RATES

Some banks have promotional CD rates. There might be certain restrictions on
these CDs. For instance, you might have to bring money from outside the bank to
be eligible for this APY. Promotional CDs may renew at a different term and at a
different APY. (That APY is likely to not be known when you purchase a
promotional CD.)

Even some of the largest banks might have some featured CD rates.

Bank name CD product APY Available until* Wells Fargo 7-month CD 4.75% APY N/A
U.S. Bank 7-month CD 4.75% APY N/A PenFed Credit Union 18-month CD 4.00% APY N/A

Bank name CD product APY Available until*

*It’s possible for these offers to end sooner.

These promotional CDs might not be available in certain areas. APYs for some
products may vary by region. The CD may renew for a different term. The
promotional offers are as of July 8.

COMPARE TOP CD RATES TODAY BY TERM

When you open a CD, selecting a term is an important step. The term is the
length of time that the money stays stashed in the account. For example, opening
a CD with a one-year term means you’re making a commitment to the bank that
you’ll keep your money in the account for one year.

Here’s where you’ll find some of the top yielding CDs by term.

3-month rates 6-month rates 1-year rates 3-year rates 5-year rates Caret Down
* 3-month rates
* 6-month rates
* 1-year rates
* 3-year rates
* 5-year rates

Institution APY Min. deposit America First Credit Union 5.25% APY $500 Popular
Direct 5.25% APY $10,000 First Internet Bank of Indiana 4.14% APY $1,000

Institution APY Min. deposit Bask Bank 5.35% APY $1,000 America First Credit
Union 5.25% APY $500 Vio Bank 5.25% APY $500

Institution APY Min. deposit Bask Bank 5.30% APY $1,000 First Internet Bank of
Indiana 5.26% APY $1,000 Limelight Bank 5.25% APY $1,000

Institution APY Min. deposit First Internet Bank of Indiana 4.61% APY $1,000
Popular Direct 4.50% APY $10,000 Quontic Bank 4.40% APY $500

Institution APY Min. deposit First Internet Bank of Indiana 4.50% APY $1,000
SchoolsFirst Federal Credit Union 4.35% APY $500 Quontic Bank 4.30% APY $500

Note: Annual percentage yields (APYs) shown were updated between July 10, 2024
and July 16, 2024. Bankrate's editorial team validates this information
regularly, typically biweekly. APYs may have changed since they were last
updated and may vary by region for some products. Bankrate includes only FDIC
banks or NCUA credit unions in its listings.

HOW TO CHOOSE THE BEST CD FOR YOU

The top three things to look for when choosing a CD are:

* FIND A BANK OR CREDIT UNION THAT OFFERS A COMPETITIVE YIELD

Caret Down

You can find CDs that are outpacing current inflation in this rate
environment. A competitive yield helps your balance grow over time through
interest earned compounding.

* DECIDE WHAT TERM IS BEST FOR YOU

Caret Down

You’ll want to assess when you’ll need this money so that you try and avoid
paying an early withdrawal penalty.

* KNOW WHAT THE EARLY WITHDRAWAL PENALTIES ARE

Caret Down

You want to know the worst-case scenario if you have to make an early
withdrawal.

Learn more: What is a CD?

TYPES OF CDS

Banks and credit unions offer a wide range of CDs to fit different financial
needs. Take some time to consider which type of CD is best for you.

Traditional CDs No-penalty CDs Bump-up CDs Caret Down
* Traditional CDs
* No-penalty CDs
* Bump-up CDs

Traditional CDs are the most common type of CD, and they earn a fixed APY for
the entire term. These CDs usually don’t allow you to add more funds after your
opening deposit, and they also tend to have strict early withdrawal penalties.

If you withdraw from a CD before it matures, the penalty is usually equal to the
amount of interest earned during a certain period of time. For instance, a bank
may impose a penalty of 90 days of simple interest on a one-year CD if you
withdraw from that CD before the year is up.

When this CD makes sense: Traditional CDs are a good choice if you know exactly
when you’ll need the money and there’s no chance of needing it before the term
is up. They’re often good for CD ladders or other CD investing strategies in
which timing is important.

Most CDs charge you a penalty for accessing the funds before the term is up.
However, some banks offer no-penalty CDs — also known as liquid CDs — which
allow you to withdraw the money early without being charged a penalty.

A bank may require that you wait at least some time after opening a no-penalty
CD — generally around six or seven days — before you’re able to withdraw from
the CD, and some banks don’t allow for partial withdrawals. No-penalty CD rates
tend to be lower than regular CD rates, but they can be better than some
high-yield savings account or money market account rates.

When this CD makes sense: Consider a no-penalty CD if you don’t plan to withdraw
the money before the CD matures, but you want to keep some flexibility in case
you need access to the funds. As a result, you’re willing to give up a little
return for added liquidity.

Bump-up CDs enable you to request an increase in your rate during the CD term
under certain conditions. Banks that offer this CD usually allow just one
bump-up per term. For example, you may open a three-year CD at a given rate, and
the bank offers an additional half-point rate increase when you’re one year into
the term. With a bump-up CD, you can request a rate increase for the remainder
of the term. Like no-penalty CDs, bump-up CDs often pay lower rates than
traditional CDs.

When this CD makes sense: A bump-up CD could be a good option if rates are
expected to rise significantly during the term of the CD. Otherwise, you’re
likely accepting a lower rate for limited potential upside.

WHO SHOULD GET A CD?

A CD is useful when you want to earn a consistent, fixed yield on your lump sum
of cash over the term of your savings account, especially if interest rates are
declining. It also encourages you to be disciplined in leaving your money
untouched as it earns interest because a CD is a time deposit account and
imposes an early withdrawal penalty if you withdraw your funds before the CD
matures.

A good time to open a CD is when you have a lump sum of money that you want to
sock away for a specific period of time in the hopes of consistently growing
interest. Also, it’s worth opening a CD when you know you have a specific
timeframe in mind when you think you’ll need this money. A six-month CD, for
example, could be a good place to put your money aside for an insurance premium
that’s due in eight months.

Learn more: How to build a CD ladder

PROS AND CONS OF CDS

Before you choose a CD, weigh the pros and cons to ensure you're making the
right investment choice for your financial situation.

PROS

* Checkmark

Some CDs earn a higher APY than money market accounts or savings accounts.

* Checkmark

CDs are a good place to store funds that you don’t want to be able to dip
into too easily.

* Checkmark

CDs can help you separate money for financial goals or future expenses.

* Checkmark

Deposit insurance covers accounts at FDIC banks and NCUA credit unions up to
at least $250,000.

* Checkmark

A CD can diversify your savings plan with a guaranteed rate.

* Checkmark

Your principal remains intact if you keep your money in a CD for the full
term.

CONS

* CDs tie up your money for a potentially long period of time.

* Many CDs have early withdrawal penalties.

* Money committed to a CD could end up earning a lackluster yield if rates rise
substantially. The early withdrawal penalty may negate any benefit of
switching to a higher-yielding CD, however.

* You could potentially earn better rates of return in the stock market or by
investing in other securities.

ALTERNATIVES TO CDS

Traditional savings account

This account typically earns a low yield that’s usually at or below the national
average.

Caret Right

High-yield savings account

This account tends to earn a yield currently of about seven times higher than
the national average. At online-only banks, these accounts often won’t have
monthly service fees or minimum balance requirements.

Caret Right

Money market account

This is an interest-bearing account available at both banks and credit unions
which is similar to a savings account, but also offers some checking account
features.

Caret Right

Short-term bond funds

These funds, be they exchange-traded funds (ETFs) or mutual funds, typically
invest in government and corporate bonds. Short-term bond funds typically have
durations of one to three and a half years, according to Fidelity.

Caret Right

CD FAQS

* HOW ARE CDS TAXED?

Caret Down

Generally, you’ll receive a Form 1099-INT each year if you earn more than $10
interest, if there is withholding or if there is a penalty. This will
generally be taxed as ordinary income, according to the IRS.

For instance, a CD customer with a multi-year CD should receive a 1099-INT
from their bank after each year interest is earned if at least $10 of
interest was earned during a calendar year.

* ARE CDS SAFE?

Caret Down

Your CD is safe at either an FDIC-insured bank or an NCUSIF-insured credit
union, as long as the amount of money in the account is within the
established limits and guidelines. Federally insured deposit accounts are
safe whether they’re at online banks, brick-and-mortar banks or credit unions
since they’re backed by the full faith and credit of the U.S. government.
Just make sure you’re not exceeding the insurance limits.

For federally-insured banks and credit unions, the standard insurance limit
is $250,000 per depositor or share owner, per insured bank or credit union,
for each account ownership category.

* ARE THERE FEES ASSOCIATED WITH CDS?

Caret Down

CDs generally have an early withdrawal penalty for taking your money out
before the CD matures. No-penalty CDs are the exception, though they may also
impose a penalty if the funds are withdrawn during the first six or seven
days after the account is opened.

* WHAT IS CONSIDERED A GOOD CD RATE?

Caret Down

A good CD rate depends on a few factors, but the true answer depends on your
personal financial situation. If you need to access your money in a year, for
example, your best CD options will be those with a one-year term or less. If
you’re able to lock up your money for longer, you may be able to achieve a
higher yield with a longer-term CD. In general, longer terms may pay better
yields.

Knowing for sure that you won’t need your cash for a specific amount of time
also typically allows you to earn a higher rate. The bank is willing to pay
you more for the certainty that your money will remain in its hands for the
designated length of time.

Compare CD rates to the national average to make sure you’re getting a
competitive return. For example, the national average APY for 1-year CDs is
1.81 percent as of Jul. 17, 2024, while some top-yielding banks are currently
offering APYs higher than 5 percent.

* IS AN ONLINE BANK THE BEST CHOICE FOR A CD?

Caret Down

Online banks tend to offer higher APYs than brick-and-mortar banks. These
online-only institutions typically have lower overhead costs and are able to
pass the savings along to their customers in the form of higher rates. In
addition, unlike your bank located on the corner of Main Street, online banks
may need a higher APY to get your attention and earn your business.

* HOW LONG CAN YOU LEAVE MONEY IN A CD?

Caret Down

You can keep your money in a CD and let it renew over and over. CDs generally
automatically renew. However, unclaimed CDs can be escheated — or transferred
from an estate to the government — subject to each state’s laws. To avoid
your CD being escheated due to being considered abandoned property, be sure
to keep in touch with your bank and keep a valid mailing address on file.

* DO CDS HAVE BENEFICIARIES?

Caret Down

Banks give account holders with CDs the opportunity to name a beneficiary,
which is a person who will inherit your savings in the event that you die.
While naming a beneficiary for your CD may be the last thing on your mind,
experts say it’s an important step to take.

If you don’t have a beneficiary designated to receive the funds in your CD,
your savings will go through probate, which is the court process for deciding
what happens to the property of an individual after their death.

* CAN YOU LOSE MONEY ON A CD?

Caret Down

As long as your CD is at an FDIC-insured bank or an NCUA credit union and
it’s within insurance limits and guidelines, you won’t lose money with a CD.
You may lose some of your interest — and potentially some of your principal —
by making an early withdrawal, however.

RESEARCH METHODOLOGY

Bankrate’s editorial team is made up of five banking experts. These experts have
researched numerous banks and at least twice a month review bank websites to
make sure readers stay up to date on the latest rates and bank products.

The banks and credit unions on this page are selected based on popularity,
Bankrate’s review score and CD APYs. The listings are ordered based on
Bankrate’s scoring system, and ties are broken through minimum balance
requirements and then alphabetical order.

Note: Bankrate doesn’t include callable CDs or brokered CDs on this page and
compares regular CDs and no-penalty CDs separately.

* SELECTION OF BANKS SHOWN ON PAGE AND SORTING LOGIC

Caret Down

Banks are sorted based on the highest APYs with a $25,000 balance. Minimum
balance requirements and then alphabetical order help break ties between
banks and credit unions.

* BANKS WE MONITOR

Caret Down

Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union,
American Express National Bank, Axos Bank, Bank5 Connect, Barclays, Bask
Bank, BECU (Boeing Employees Credit Union), Bethpage Federal Credit Union,
BMO, Bread Savings (formerly Comenity Direct), BrioDirect, Capital One Bank,
Chase Bank, CIBC USA, CIT Bank, Citibank, Citizens, Citizens Bank (Rhode
Island), Credit One Bank, Comerica Bank, Customers Bank, Delta Community
Credit Union, Discover Bank, Emigrant Direct, EverBank (formerly TIAA Bank),
Fifth Third Bank, First Citizens Bank, First Internet Bank, First Technology
Federal Credit Union, FNBO Direct, Golden 1 Credit Union, Huntington National
Bank, KeyBank, Limelight Bank, Live Oak Bank, M&T Bank, Marcus by Goldman
Sachs, Morgan Stanley Private Bank, MySavingsDirect, Navy Federal Credit
Union, NBKC Bank, PenFed Credit Union, PNC Bank, Popular Direct, Quontic
Bank, Randolph-Brooks Federal Credit Union, Regions Bank, Sallie Mae Bank,
Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal
Credit Union, State Employees' Credit Union, Suncoast Credit Union, Synchrony
Bank, TD Bank, Truist Bank, U.S. Bank, UFB Direct, USAA Bank, Vio Bank,
VyStar Credit Union, Wells Fargo, and Zions Bank.

LEARN MORE

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CALCULATE YOUR CD EARNINGS

Estimate how much money you will earn with a fixed APY when your CD matures.

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PROS AND CONS OF CD INVESTING

Weigh the benefits and drawbacks of CD accounts to determine if this savings
strategy is right for you.

Invest Rate
In the news

DAILY CD RATE TRENDS

Stay informed about today's highest CD yields and what banks and credit unions
offer them.

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VIO BANK CD RATES

Term length 6 months 1 year 2 years 3 years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Vio Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20245.25%1.73%06/04/20245.25%1.72%05/07/20245.25%1.71%04/02/20245.25%1.68%03/12/20245.25%1.66%02/06/20245.15%1.61%01/02/20245.15%1.59%12/26/20235.15%1.56%12/05/20235.35%1.56%11/07/20235.35%1.53%10/03/20235.35%1.52%09/05/20235.35%1.46%08/01/20235.20%1.32%07/18/20235.20%1.27%

AMERICA FIRST CREDIT UNION CD RATES

Term length 3 months 6 months 9 months 1 year 18 months 2 years 30 months 3
years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
America First Credit Union
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20245.25%1.23%06/04/20245.25%1.24%05/07/20245.25%1.23%04/02/20245.25%1.22%03/12/20245.50%1.27%02/06/20245.50%1.26%01/30/20245.50%1.25%01/23/20245.00%1.25%01/02/20244.50%1.25%12/05/20234.50%1.20%11/07/20234.50%1.21%10/03/20234.50%1.20%09/05/20234.50%1.07%08/01/20234.50%0.98%07/18/20234.50%0.94%

POPULAR DIRECT CD RATES

Term length 3 months 6 months 1 year 18 months 2 years 3 years 4 years 5 years
Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Popular Direct
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20245.25%1.23%06/18/20245.25%1.24%06/04/20245.30%1.24%05/07/20245.30%1.23%04/16/20245.30%1.22%04/02/20245.25%1.22%03/12/20245.25%1.27%02/06/20245.00%1.26%01/09/20245.00%1.25%01/02/20245.10%1.25%12/05/20235.10%1.20%11/07/20235.10%1.21%10/17/20235.10%1.20%10/03/20234.75%1.20%09/05/20234.75%1.07%08/01/20234.75%0.98%07/25/20234.75%0.94%07/18/20234.50%0.94%

SYNCHRONY BANK CD RATES

Term length 3 months 6 months 9 months 1 year 13 months 18 months 2 years 3
years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Synchrony Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20240.25%1.23%06/04/20240.25%1.24%05/07/20240.25%1.23%04/02/20240.25%1.22%03/19/20240.25%1.27%03/12/20242.05%1.27%02/06/20242.05%1.26%01/02/20242.25%1.25%12/05/20232.25%1.20%11/07/20232.25%1.21%10/03/20232.25%1.20%09/05/20232.25%1.07%08/01/20232.25%0.98%07/18/20232.25%0.94%

MARCUS BY GOLDMAN SACHS CD RATES

Term length 6 months 9 months 1 year 18 months 2 years 3 years 4 years 5 years
Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Marcus by Goldman Sachs
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20245.10%1.73%06/04/20245.10%1.72%05/07/20245.10%1.71%04/30/20245.10%1.68%04/02/20244.80%1.68%03/21/20244.80%1.66%03/08/20244.90%1.66%02/27/20244.90%1.61%02/09/20245.05%1.61%02/06/20245.15%1.61%01/30/20245.15%1.59%01/02/20245.25%1.59%12/26/20235.25%1.56%12/05/20235.10%1.56%11/02/20235.10%1.53%10/03/20234.90%1.52%09/05/20234.90%1.46%08/01/20234.85%1.32%07/18/20234.65%1.27%

SALLIE MAE BANK CD RATES

Term length 6 months 9 months 11 months 1 year 18 months 2 years 30 months 3
years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Sallie Mae Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20244.80%1.73%06/04/20244.80%1.72%05/07/20244.80%1.71%04/02/20244.80%1.68%03/19/20244.80%1.66%03/12/20244.95%1.66%02/29/20244.95%1.61%02/06/20245.10%1.61%01/02/20245.10%1.59%12/05/20235.10%1.56%11/28/20235.10%1.53%11/07/20234.95%1.53%10/03/20234.95%1.52%09/05/20234.95%1.46%08/01/20235.00%1.32%07/18/20235.00%1.27%

QUONTIC BANK CD RATES

Term length 6 months 1 year 2 years 3 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Quontic Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/09/20245.10%1.73%07/02/20245.05%1.73%06/04/20245.05%1.72%05/07/20245.05%1.71%04/02/20245.05%1.68%03/12/20245.05%1.66%02/06/20245.05%1.61%01/02/20245.05%1.59%12/05/20235.05%1.56%11/07/20235.05%1.53%10/03/20235.05%1.52%09/05/20235.05%1.46%08/01/20235.05%1.32%07/18/20235.05%1.27%

BARCLAYS BANK CD RATES

Term length 1 year 18 months 2 years 3 years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Barclays Bank
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20245.00%1.79%06/04/20245.00%1.80%05/07/20245.00%1.79%04/02/20245.00%1.74%03/01/20245.00%1.73%02/09/20245.15%1.73%02/06/20245.30%1.73%01/02/20245.30%1.75%12/22/20235.30%1.74%12/12/20235.40%1.74%11/07/20235.50%1.74%10/12/20235.50%1.76%09/14/20235.15%1.76%09/05/20235.00%1.76%08/01/20235.00%1.65%07/18/20235.00%1.60%

CAPITAL ONE CD RATES

Term length 6 months 9 months 10 months 1 year 2 years 30 months 3 years 4 years
5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Capital One
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20244.25%1.73%06/04/20244.25%1.72%05/07/20244.25%1.71%04/16/20244.25%1.68%04/02/20244.35%1.68%03/12/20244.35%1.66%02/06/20244.35%1.61%01/02/20244.35%1.59%12/06/20234.35%1.56%12/05/20234.30%1.56%11/07/20234.30%1.53%10/03/20234.30%1.52%09/07/20234.30%1.46%09/05/20233.90%1.46%08/01/20233.90%1.32%07/18/20233.90%1.27%

CITIZENS ACCESS CD RATES

Term length 1 year 2 years 3 years 4 years 5 years Caret Down
Date
Bankrate gathers rate data either directly from our partners, or through our
proprietary rate surveying service. The rate change date is based on when
Bankrate received or captured the rate change and may differ from the actual
date the rate changed.
Info
Citizens Access
APY
APY last updated between 7/10 and 7/16.
APY
APY last updated between 7/10 and 7/16
Info
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey
of savings accounts and CDs and reflects the monthly average APY for each
product.
Info
07/02/20245.00%1.79%06/04/20245.00%1.80%05/07/20245.00%1.79%04/02/20245.00%1.74%02/06/20245.00%1.73%01/23/20245.00%1.75%01/02/20245.50%1.75%11/07/20235.50%1.74%09/26/20235.50%1.76%09/05/20235.00%1.76%08/01/20235.00%1.65%07/18/20235.00%1.60%

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