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CD Rates

National High Yield:
Find the best and latest high yield CD rates
  • Search Summary
    Your Search
  • Results Range
  • Bankrate.com
    National Average*
  • Bankrate.com
    Site Average*
  • 1 yr CD
  • 0.23% 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 1
  • Rate
    1.34%
  • Min Deposit
    $5,000
  • Pentagon Federal Credit Union
  • APY
    1.31%
    Fri May 1
  • Rate
    1.30%
  • Min Deposit
    $1,000
  • Chartway Federal Credit Union
  • APY
    1.31%
    Fri May 1
  • Rate
    1.30%
  • Min Deposit
    $2,500
  • BankDirect
  • APY
    1.21%
    Fri May 1
  • Rate
    1.20%
  • Min Deposit
    $10,000
  • Home Savings Bank
  • APY
    1.20%
    Fri May 1
  • Rate
    1.19%
  • Min Deposit
    $10,000
  • VirtualBank
  • APY
    1.16%
    Fri May 1
  • Rate
    1.15%
  • Min Deposit
    $10,000
  • Sallie Mae
  • APY
    1.15%
    Fri May 1
  • Rate
    1.14%
  • Min Deposit
    $2,500
  • California First National Bank
  • APY
    1.12%
    Fri May 1
  • Rate
    1.11%
  • Min Deposit
    $5,000
  • Midwest Regional Bank
  • APY
    1.11%
    Fri May 1
  • Rate
    1.11%
  • Min Deposit
    $1,000
  • AloStar Bank of Commerce
  • APY
    1.10%
    Fri May 1
  • Rate
    1.09%
  • Min Deposit
    $1,000
  • Silvergate Bank
  • APY
    1.08%
    Fri May 1
  • Rate
    1.07%
  • Min Deposit
    $25,000
  • Ally Bank
  • APY
    1.05%
    Fri May 1
  • Rate
    1.04%
  • Min Deposit
    $0
  • giantbank.com
  • APY
    1.01%
    Fri May 1
  • Rate
    1.00%
  • Min Deposit
    $2,500
  • First Internet Bank of Indiana
  • APY
    1.00%
    Fri May 1
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Goldwater Bank
  • APY
    0.95%
    Fri May 1
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • Discover Bank
  • APY
    0.95%
    Fri May 1
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • Presidential Bank, FSB
  • APY
    0.95%
    Fri May 1
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • EH National Bank
  • APY
    0.90%
    Fri May 1
  • Rate
    0.90%
  • Min Deposit
    $10,000
  • MyCBB
  • APY
    0.90%
    Fri May 1
  • Rate
    0.90%
  • Min Deposit
    $5,000
  • E-LOAN
  • APY
    0.85%
    Fri May 1
  • Rate
    0.85%
  • Min Deposit
    $10,000
  • Barclays
  • APY
    0.80%
    Fri May 1
  • Rate
    0.80%
  • Min Deposit
    $0
  • Salem Five
  • APY
    0.80%
    Fri May 1
  • Rate
    0.80%
  • Min Deposit
    $10,000
  • EverBank
  • APY
    0.75%
    Fri May 1
  • Rate
    0.75%
  • Min Deposit
    $1,500
  • USAA
  • APY
    0.71%
    Fri May 1
  • Rate
    0.71%
  • Min Deposit
    $1,000
  • Lone Star Bank
  • APY
    0.70%
    Fri May 1
  • Rate
    0.70%
  • Min Deposit
    $1,000
  • TAB Bank
  • APY
    0.65%
    Fri May 1
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • NewDominion Bank
  • APY
    0.60%
    Fri May 1
  • Rate
    0.59%
  • Min Deposit
    $1,000
  • Bank of Internet USA
  • APY
    0.55%
    Fri May 1
  • Rate
    0.55%
  • Min Deposit
    $1,000
  • 5 Star Bank
  • APY
    0.40%
    Fri May 1
  • Rate
    0.40%
  • Min Deposit
    $1,000
  • Fidelity Bk of FL, N.A
  • APY
    0.40%
    Fri May 1
  • Rate
    0.40%
  • Min Deposit
    $5,000
  • Heritage Bank
  • APY
    0.23%
    Fri May 1
  • Rate
    0.23%
  • Min Deposit
    $1,000
  • My e-BAnC by BAC Florida Bank
  • APY
    1.20%
    Thu Apr 30
  • Rate
    1.19%
  • Min Deposit
    $1,500
  • ableBanking, a division of Northeast Bank
  • APY
    0.65%
    Thu Apr 30
  • Rate
    0.65%
  • Min Deposit
    $1,000
See More Rates

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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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