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CD Rates

Find the best high yield CD rates below or read the latest certificate of deposits analysis here.

National High Yield:
  • Search Summary
    Your Search
  • Results Range
  • Bankrate.com
    National Average*
  • Bankrate.com
    Site Average*
  • 1 yr CD
  • 0.65% APY - 1.30% APY
  • 0.27% APY
  • 0.61% APY
1 yr CD
  • Institution
  • APY
  • Rate
  • Min Deposit
  • Questions?
  • Learn More
  • CIT Bank
  • APY
    1.30%
    Fri Oct 9
  • Rate
    1.29%
  • Min Deposit
    $25,000
  • E-Loan
  • APY
    1.29%
    Fri Oct 9
  • Rate
    1.29%
  • Min Deposit
    $10,000
  • Sallie Mae
  • APY
    1.25%
    Fri Oct 9
  • Rate
    1.24%
  • Min Deposit
    $2,500
  • iGObanking.com
  • APY
    1.24%
    Fri Oct 9
  • Rate
    1.24%
  • Min Deposit
    $1,000
  • California First National Bank
  • APY
    1.24%
    Fri Oct 9
  • Rate
    1.23%
  • Min Deposit
    $5,000
  • Synchrony Bank
  • APY
    1.24%
    Fri Oct 9
  • Rate
    1.24%
  • Min Deposit
    $2,000
  • AloStar Bank of Commerce
  • APY
    1.21%
    Fri Oct 9
  • Rate
    1.20%
  • Min Deposit
    $1,000
  • My e-BAnC by BAC Florida Bank
  • APY
    1.21%
    Fri Oct 9
  • Rate
    1.20%
  • Min Deposit
    $1,500
  • BankDirect
  • APY
    1.20%
    Fri Oct 9
  • Rate
    1.20%
  • Min Deposit
    $10,000
  • Colorado Federal Savings Bank
  • APY
    1.20%
    Fri Oct 9
  • Rate
    1.19%
  • Min Deposit
    $5,000
  • Pentagon Federal Credit Union
  • APY
    1.20%
    Fri Oct 9
  • Rate
    1.20%
  • Min Deposit
    $1,000
  • VirtualBank
  • APY
    1.16%
    Fri Oct 9
  • Rate
    1.15%
  • Min Deposit
    $10,000
  • Discover Bank
  • APY
    1.15%
    Fri Oct 9
  • Rate
    1.14%
  • Min Deposit
    $2,500
  • Silvergate Bank
  • APY
    1.07%
    Fri Oct 9
  • Rate
    1.07%
  • Min Deposit
    $25,000
  • giantbank.com
  • APY
    1.06%
    Fri Oct 9
  • Rate
    1.05%
  • Min Deposit
    $2,500
  • Ally Bank
  • APY
    1.05%
    Fri Oct 9
  • Rate
    1.04%
  • Min Deposit
    $0
  • Select Bank
  • APY
    1.01%
    Fri Oct 9
  • Rate
    1.01%
  • Min Deposit
    $500
  • First Internet Bank of Indiana
  • APY
    1.00%
    Fri Oct 9
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Chartway Federal Credit Union
  • APY
    1.00%
    Fri Oct 9
  • Rate
    1.00%
  • Min Deposit
    $25,000
  • GE Capital Bank
  • APY
    1.00%
    Fri Oct 9
  • Rate
    1.00%
  • Min Deposit
    $500
  • Home Savings Bank
  • APY
    1.00%
    Fri Oct 9
  • Rate
    1.00%
  • Min Deposit
    $10,000
  • Lone Star Bank
  • APY
    1.00%
    Fri Oct 9
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Goldwater Bank
  • APY
    0.95%
    Fri Oct 9
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • TAB Bank
  • APY
    0.95%
    Fri Oct 9
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • Congressional Bank
  • APY
    0.95%
    Fri Oct 9
  • Rate
    0.95%
  • Min Deposit
    $50,000
  • Presidential Bank, FSB
  • APY
    0.95%
    Fri Oct 9
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • MyCBB
  • APY
    0.95%
    Fri Oct 9
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • EH National Bank
  • APY
    0.90%
    Fri Oct 9
  • Rate
    0.90%
  • Min Deposit
    $10,000
  • EverBank
  • APY
    0.89%
    Fri Oct 9
  • Rate
    0.89%
  • Min Deposit
    $1,500
  • Barclays
  • APY
    0.80%
    Fri Oct 9
  • Rate
    0.80%
  • Min Deposit
    $0
  • 5 Star Bank
  • APY
    0.75%
    Fri Oct 9
  • Rate
    0.75%
  • Min Deposit
    $1,000
  • USAA
  • APY
    0.71%
    Fri Oct 9
  • Rate
    0.71%
  • Min Deposit
    $1,000
  • ableBanking, a division of Northeast Bank
  • APY
    0.65%
    Fri Oct 9
  • Rate
    0.65%
  • Min Deposit
    $1,000
See More Rates

WEEKLY CD RATES ANALYSIS – Oct. 8, 2015

Interest Rate Roundup

Compare CD rates nationally and in your area.

CDs

  • 1-year CD yields: 0.28%
  • 5-year CD yields: 0.86%

It was a sleepy week for certificates of deposit. CD rates were unchanged in this week's national survey of interest rates.

For the 6th week, the average 1-year CD yield was 0.28%. The 5-year yield was 0.86% for the 5th week straight.

For a $100,000 deposit, the average 1-year jumbo CD yield was 0.31% for the 4th consecutive week. The 5-year yield was 0.9% for the 2nd week in a row.

And finally, it’s anniversary time! The average money market account yield was 0.09% for the 52nd week in a row.

CD Basics

Liquid CDs: Your cup of tea?

These certificates of deposit offer withdrawal flexibility, but the yields aren't too hot. Read more

Rising-rate CDs: Pros and cons

Bankrate's CD Study shows rising-rate CDs start slow, depend on market to catch up. Read more

Safety in Treasuries?

U.S. Treasury bills and bonds are almost always a solid investment. Why? They're backed by the U.S. government. Read more

Lock up higher interest

CDs often have interest rates leaps and bounds above those for savings accounts. Read more

CD Rate News

Weekly CD rates update

Here are the average CD rates from Bankrate's weekly survey of large banks and thrifts. Read more

Know this before buying CDs

If you're investing big money in CDs, a few basis points can make a big difference. Read more

The best mini-jumbo CD rates

When looking for the best mini-jumbo CD rates, start online and follow these steps. Read more

CD Rates Help

A certificate of deposit, or CD, is one of the safest and most predictable investments around. As long as the CD is backed by the FDIC, it's guaranteed not to lose principal, and in most cases, investors can count on earning a stable return for the full term of the CD. Find out more about the factors that you need to consider when choosing a CD below.

  • Term

    The length of time until the CD matures and the money deposited within can be withdrawn without penalty.

  • APY

    Short for annual percentage yield, APY is the total return of the CD per year, taking into account the beneficial effect of compounding.

  • Rate

    The percentage of the CD's principal paid out annually in interest. Does not take into account the effect of compounding.

  • Minimum deposit

    The minimum amount of money you need to open a particular CD. Banks may be willing to pay higher rates of interest on CDs with higher minimum deposits.

  • FDIC-insured

    Short for Federal Deposit Insurance Corporation, the FDIC is an independent government-backed agency that covers the deposits of accountholders at FDIC-insured banks. FDIC-insured deposits are backed by the full faith and credit of the U.S. government, and since the agency was established in 1933, no depositor has lost a single cent of insured principal.

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