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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
  • 0.40% APY - 1.35% APY
  • 0.26% APY
  • 0.61% APY
1 yr CD
  • Institution
  • APY
  • Rate
  • Min Deposit
  • Questions?
  • Learn More
  • Colorado Federal Savings Bank
  • APY
    1.35%
    Fri May 29
  • Rate
    1.34%
  • Min Deposit
    $5,000
  • Home Savings Bank
  • APY
    1.20%
    Fri May 29
  • Rate
    1.19%
  • Min Deposit
    $10,000
  • California First National Bank
  • APY
    1.16%
    Fri May 29
  • Rate
    1.15%
  • Min Deposit
    $5,000
  • VirtualBank
  • APY
    1.16%
    Fri May 29
  • Rate
    1.15%
  • Min Deposit
    $10,000
  • Sallie Mae
  • APY
    1.15%
    Fri May 29
  • Rate
    1.14%
  • Min Deposit
    $2,500
  • AloStar Bank of Commerce
  • APY
    1.10%
    Fri May 29
  • Rate
    1.09%
  • Min Deposit
    $1,000
  • Silvergate Bank
  • APY
    1.08%
    Fri May 29
  • Rate
    1.07%
  • Min Deposit
    $25,000
  • Pentagon Federal Credit Union
  • APY
    1.06%
    Fri May 29
  • Rate
    1.05%
  • Min Deposit
    $1,000
  • Ally Bank
  • APY
    1.05%
    Fri May 29
  • Rate
    1.04%
  • Min Deposit
    $0
  • First Internet Bank of Indiana
  • APY
    1.00%
    Fri May 29
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Goldwater Bank
  • APY
    0.95%
    Fri May 29
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • Discover Bank
  • APY
    0.95%
    Fri May 29
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • Presidential Bank, FSB
  • APY
    0.95%
    Fri May 29
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • Congressional Bank
  • APY
    0.95%
    Fri May 29
  • Rate
    0.95%
  • Min Deposit
    $50,000
  • MyCBB
  • APY
    0.90%
    Fri May 29
  • Rate
    0.90%
  • Min Deposit
    $5,000
  • EH National Bank
  • APY
    0.90%
    Fri May 29
  • Rate
    0.90%
  • Min Deposit
    $10,000
  • E-LOAN
  • APY
    0.85%
    Fri May 29
  • Rate
    0.85%
  • Min Deposit
    $10,000
  • Chartway Federal Credit Union
  • APY
    0.85%
    Fri May 29
  • Rate
    0.85%
  • Min Deposit
    $2,500
  • Salem Five
  • APY
    0.80%
    Fri May 29
  • Rate
    0.80%
  • Min Deposit
    $10,000
  • Barclays
  • APY
    0.80%
    Fri May 29
  • Rate
    0.80%
  • Min Deposit
    $0
  • EverBank
  • APY
    0.75%
    Fri May 29
  • Rate
    0.75%
  • Min Deposit
    $1,500
  • USAA
  • APY
    0.71%
    Fri May 29
  • Rate
    0.71%
  • Min Deposit
    $1,000
  • Lone Star Bank
  • APY
    0.70%
    Fri May 29
  • Rate
    0.70%
  • Min Deposit
    $1,000
  • TAB Bank
  • APY
    0.65%
    Fri May 29
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • ableBanking, a division of Northeast Bank
  • APY
    0.65%
    Fri May 29
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • NewDominion Bank
  • APY
    0.60%
    Fri May 29
  • Rate
    0.59%
  • Min Deposit
    $1,000
  • Bank of Internet USA
  • APY
    0.55%
    Fri May 29
  • Rate
    0.55%
  • Min Deposit
    $1,000
  • 5 Star Bank
  • APY
    0.40%
    Fri May 29
  • Rate
    0.40%
  • Min Deposit
    $1,000
  • Fidelity Bk of FL, N.A
  • APY
    0.40%
    Fri May 29
  • Rate
    0.40%
  • Min Deposit
    $5,000
  • BankDirect
  • APY
    1.21%
    Tue May 26
  • Rate
    1.20%
  • Min Deposit
    $10,000
  • giantbank.com
  • APY
    0.95%
    Tue May 26
  • Rate
    0.95%
  • Min Deposit
    $2,500
See More Rates

CD Rates Analysis

Interest Rate Roundup

Compare CD rates nationally and in your area.

CDs

  • 1-year CD yields: 0.27%
  • 5-year CD yields: 0.86%

Rates on certificates of deposit took a holiday this week along with many of the nation's workers. There were no changes to CD rates in the May 27 survey of interest rates.

The average one-year CD yield was 0.27 percent for the 11th week in a row. The average five-year yield was 0.86 percent for the third consecutive week.

The typical one-year jumbo CD yield was 0.3 percent for the third straight week, and the five-year yield was 0.91 percent for the second consecutive week. Jumbo CDs are usually sold for $100,000.

The average money market account yield was 0.09 percent for the 33rd straight week.

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

Weekly CD rates update

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

The pros and cons of jumbo CDs

They come with a higher yield, but jumbo CDs have more than one downside. Read more

CD rates for March 19, 2015

Yields on certificates of deposit showed some downward movement. 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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