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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%
    Thu May 21
  • Rate
    1.34%
  • Min Deposit
    $5,000
  • Synchrony Bank
  • APY
    1.23%
    Thu May 21
  • Rate
    1.22%
  • Min Deposit
    $2,000
  • My e-BAnC by BAC Florida Bank
  • APY
    1.20%
    Thu May 21
  • Rate
    1.19%
  • Min Deposit
    $1,500
  • Home Savings Bank
  • APY
    1.20%
    Thu May 21
  • Rate
    1.19%
  • Min Deposit
    $10,000
  • California First National Bank
  • APY
    1.16%
    Thu May 21
  • Rate
    1.15%
  • Min Deposit
    $5,000
  • VirtualBank
  • APY
    1.16%
    Thu May 21
  • Rate
    1.15%
  • Min Deposit
    $10,000
  • Sallie Mae
  • APY
    1.15%
    Thu May 21
  • Rate
    1.14%
  • Min Deposit
    $2,500
  • AloStar Bank of Commerce
  • APY
    1.10%
    Thu May 21
  • Rate
    1.09%
  • Min Deposit
    $1,000
  • Silvergate Bank
  • APY
    1.08%
    Thu May 21
  • Rate
    1.07%
  • Min Deposit
    $25,000
  • Pentagon Federal Credit Union
  • APY
    1.06%
    Thu May 21
  • Rate
    1.05%
  • Min Deposit
    $1,000
  • Ally Bank
  • APY
    1.05%
    Thu May 21
  • Rate
    1.04%
  • Min Deposit
    $0
  • First Internet Bank of Indiana
  • APY
    1.00%
    Thu May 21
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Goldwater Bank
  • APY
    0.95%
    Thu May 21
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • Presidential Bank, FSB
  • APY
    0.95%
    Thu May 21
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • giantbank.com
  • APY
    0.95%
    Thu May 21
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • Discover Bank
  • APY
    0.95%
    Thu May 21
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • MyCBB
  • APY
    0.90%
    Thu May 21
  • Rate
    0.90%
  • Min Deposit
    $5,000
  • EH National Bank
  • APY
    0.90%
    Thu May 21
  • Rate
    0.90%
  • Min Deposit
    $10,000
  • E-LOAN
  • APY
    0.85%
    Thu May 21
  • Rate
    0.85%
  • Min Deposit
    $10,000
  • Chartway Federal Credit Union
  • APY
    0.85%
    Thu May 21
  • Rate
    0.85%
  • Min Deposit
    $2,500
  • Barclays
  • APY
    0.80%
    Thu May 21
  • Rate
    0.80%
  • Min Deposit
    $0
  • EverBank
  • APY
    0.75%
    Thu May 21
  • Rate
    0.75%
  • Min Deposit
    $1,500
  • USAA
  • APY
    0.71%
    Thu May 21
  • Rate
    0.71%
  • Min Deposit
    $1,000
  • Lone Star Bank
  • APY
    0.70%
    Thu May 21
  • Rate
    0.70%
  • Min Deposit
    $1,000
  • ableBanking, a division of Northeast Bank
  • APY
    0.65%
    Thu May 21
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • TAB Bank
  • APY
    0.65%
    Thu May 21
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • NewDominion Bank
  • APY
    0.60%
    Thu May 21
  • Rate
    0.59%
  • Min Deposit
    $1,000
  • Bank of Internet USA
  • APY
    0.55%
    Thu May 21
  • Rate
    0.55%
  • Min Deposit
    $1,000
  • 5 Star Bank
  • APY
    0.40%
    Thu May 21
  • Rate
    0.40%
  • Min Deposit
    $1,000
  • Fidelity Bk of FL, N.A
  • APY
    0.40%
    Thu May 21
  • Rate
    0.40%
  • Min Deposit
    $5,000
  • BankDirect
  • APY
    1.21%
    Tue May 19
  • Rate
    1.20%
  • Min Deposit
    $10,000
  • Salem Five
  • APY
    0.80%
    Tue May 19
  • Rate
    0.80%
  • Min Deposit
    $10,000
See More Rates

CD Rates Analysis

Interest Rate Roundup
Compare CD rates nationally and in your area.

CDs

  • 1-year CD yields: 0.28%
  • 5-year CD yields: 0.87%

Rates on certificates of deposit were unchanged this week, according to Bankrate's latest survey of interest rates.

For the second straight week, the average yields for one-year and five-year CDs were 0.28 percent and 0.87 percent, respectively.

Rates on jumbo CDs, which require a $100,000 deposit, also didn't budge. The average one-year jumbo CD yield kept its place at 0.3 percent. The average yield for a five-year jumbo CD was 0.92 percent, the same as last week.

The average yield for a money market account was 0.09 percent, a rate it has held for 16 weeks.

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

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 for Jan. 22, 2015

Rates on certificates of deposit rose slightly. 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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