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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
  • 0.33% APY - 1.30% APY
  • 0.27% APY
  • 0.60% APY
1 yr CD
  • Institution
  • APY
  • Rate
  • Min Deposit
  • Questions?
  • Learn More
  • E-Loan
  • APY
    1.30%
    Thu Aug 27
  • Rate
    1.29%
  • Min Deposit
    $10,000
  • Sallie Mae
  • APY
    1.25%
    Thu Aug 27
  • Rate
    1.24%
  • Min Deposit
    $2,500
  • AloStar Bank of Commerce
  • APY
    1.21%
    Thu Aug 27
  • Rate
    1.20%
  • Min Deposit
    $1,000
  • California First National Bank
  • APY
    1.20%
    Thu Aug 27
  • Rate
    1.19%
  • Min Deposit
    $5,000
  • Colorado Federal Savings Bank
  • APY
    1.20%
    Thu Aug 27
  • Rate
    1.19%
  • Min Deposit
    $5,000
  • Home Savings Bank
  • APY
    1.20%
    Thu Aug 27
  • Rate
    1.19%
  • Min Deposit
    $10,000
  • VirtualBank
  • APY
    1.16%
    Thu Aug 27
  • Rate
    1.15%
  • Min Deposit
    $10,000
  • Pentagon Federal Credit Union
  • APY
    1.11%
    Thu Aug 27
  • Rate
    1.10%
  • Min Deposit
    $1,000
  • Silvergate Bank
  • APY
    1.08%
    Thu Aug 27
  • Rate
    1.07%
  • Min Deposit
    $25,000
  • Ally Bank
  • APY
    1.05%
    Thu Aug 27
  • Rate
    1.04%
  • Min Deposit
    $0
  • Select Bank
  • APY
    1.01%
    Thu Aug 27
  • Rate
    1.01%
  • Min Deposit
    $500
  • Discover Bank
  • APY
    1.00%
    Thu Aug 27
  • Rate
    1.00%
  • Min Deposit
    $2,500
  • Lone Star Bank
  • APY
    1.00%
    Thu Aug 27
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • GE Capital Bank
  • APY
    1.00%
    Thu Aug 27
  • Rate
    1.00%
  • Min Deposit
    $500
  • Chartway Federal Credit Union
  • APY
    1.00%
    Thu Aug 27
  • Rate
    1.00%
  • Min Deposit
    $25,000
  • First Internet Bank of Indiana
  • APY
    1.00%
    Thu Aug 27
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Xceed Financial Credit Union
  • APY
    1.00%
    Thu Aug 27
  • Rate
    1.00%
  • Min Deposit
    $500
  • giantbank.com
  • APY
    0.95%
    Thu Aug 27
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • Presidential Bank, FSB
  • APY
    0.95%
    Thu Aug 27
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • MyCBB
  • APY
    0.95%
    Thu Aug 27
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • Goldwater Bank
  • APY
    0.95%
    Thu Aug 27
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • Nordstrom Bank
  • APY
    0.90%
    Thu Aug 27
  • Rate
    0.90%
  • Min Deposit
    $1,000
  • EH National Bank
  • APY
    0.90%
    Thu Aug 27
  • Rate
    0.90%
  • Min Deposit
    $10,000
  • EverBank
  • APY
    0.90%
    Thu Aug 27
  • Rate
    0.90%
  • Min Deposit
    $1,500
  • 5 Star Bank
  • APY
    0.75%
    Thu Aug 27
  • Rate
    0.75%
  • Min Deposit
    $1,000
  • USAA
  • APY
    0.71%
    Thu Aug 27
  • Rate
    0.71%
  • Min Deposit
    $1,000
  • ableBanking, a division of Northeast Bank
  • APY
    0.65%
    Thu Aug 27
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • TAB Bank
  • APY
    0.65%
    Thu Aug 27
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • NewDominion Bank
  • APY
    0.60%
    Thu Aug 27
  • Rate
    0.59%
  • Min Deposit
    $1,000
  • BankDirect
  • APY
    1.21%
    Tue Aug 25
  • Rate
    1.20%
  • Min Deposit
    $10,000
  • Congressional Bank
  • APY
    0.95%
    Tue Aug 25
  • Rate
    0.95%
  • Min Deposit
    $50,000
  • American Bank
  • APY
    0.33%
    Tue Aug 25
  • Rate
    0.33%
  • Min Deposit
    $500
See More Rates

WEEKLY CD RATES ANALYSIS – Aug. 27, 2015

Interest Rate Roundup

Compare CD rates nationally and in your area.

CDs

  • 1-year CD yields: 0.27%
  • 5-year CD yields: 0.87%

For the past few weeks, certificate of deposit rates have fluctuated by 1 basis point in Bankrate's national survey of interest rates. This week kept that trend alive.

Unchanged for the 24th straight week, the average 1-year CD yield was 0.27%. The average 5-year yield was 0.87% for the 2nd week in a row.

Deposits of $100,000 or more qualify for jumbo CD rates. The average 1-year jumbo CD yield was 0.3% for the 16th week in a row. Down 1 basis point, the 5-year yield was 0.9%. A basis point is one-hundredth of 1%, or 0.01%.

For the 46th consecutive week, the average money market account yield was 0.09%.

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

Which of these 7 CDs suits you?

CDs come in all types. Here is a list to help you find the one to suit your financial needs. 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

CD Rate News

10 CD terms you need to know

CDs come in a variety of flavors. Learn the differences before tying up your money. Read more

4 types of flexible and rising-rate CDs

Bankrate finds these CDs offer higher returns. But are they smart investments? Read more

CD ladder: Is it worth the climb?

CD ladders still have value. Find out how you can benefit even as rates have stalled. 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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