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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 - 1.25% APY
  • 0.27% APY
  • 0.62% APY
1 yr CD
  • Institution
  • APY
  • Rate
  • Min Deposit
  • Questions?
  • Learn More
  • CIT Bank
  • APY
    1.25%
    Fri Jul 31
  • Rate
    1.24%
  • Min Deposit
    $25,000
  • Synchrony Bank
  • APY
    1.25%
    Fri Jul 31
  • Rate
    1.24%
  • Min Deposit
    $2,000
  • E-Loan
  • APY
    1.25%
    Fri Jul 31
  • Rate
    1.24%
  • Min Deposit
    $10,000
  • Sallie Mae
  • APY
    1.25%
    Fri Jul 31
  • Rate
    1.24%
  • Min Deposit
    $2,500
  • AloStar Bank of Commerce
  • APY
    1.21%
    Fri Jul 31
  • Rate
    1.20%
  • Min Deposit
    $1,000
  • My e-BAnC by BAC Florida Bank
  • APY
    1.20%
    Fri Jul 31
  • Rate
    1.19%
  • Min Deposit
    $1,500
  • Home Savings Bank
  • APY
    1.20%
    Fri Jul 31
  • Rate
    1.19%
  • Min Deposit
    $10,000
  • Colorado Federal Savings Bank
  • APY
    1.20%
    Fri Jul 31
  • Rate
    1.19%
  • Min Deposit
    $5,000
  • VirtualBank
  • APY
    1.16%
    Fri Jul 31
  • Rate
    1.15%
  • Min Deposit
    $10,000
  • California First National Bank
  • APY
    1.16%
    Fri Jul 31
  • Rate
    1.15%
  • Min Deposit
    $5,000
  • Ally Bank
  • APY
    1.05%
    Fri Jul 31
  • Rate
    1.04%
  • Min Deposit
    $0
  • Pentagon Federal Credit Union
  • APY
    1.01%
    Fri Jul 31
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Select Bank
  • APY
    1.01%
    Fri Jul 31
  • Rate
    1.01%
  • Min Deposit
    $500
  • Discover Bank
  • APY
    1.00%
    Fri Jul 31
  • Rate
    1.00%
  • Min Deposit
    $2,500
  • First Internet Bank of Indiana
  • APY
    1.00%
    Fri Jul 31
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • GE Capital Bank
  • APY
    1.00%
    Fri Jul 31
  • Rate
    1.00%
  • Min Deposit
    $500
  • Xceed Financial Credit Union
  • APY
    1.00%
    Fri Jul 31
  • Rate
    1.00%
  • Min Deposit
    $500
  • Goldwater Bank
  • APY
    0.95%
    Fri Jul 31
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • giantbank.com
  • APY
    0.95%
    Fri Jul 31
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • Presidential Bank, FSB
  • APY
    0.95%
    Fri Jul 31
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • MyCBB
  • APY
    0.95%
    Fri Jul 31
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • Chartway Federal Credit Union
  • APY
    0.95%
    Fri Jul 31
  • Rate
    0.95%
  • Min Deposit
    $25,000
  • EH National Bank
  • APY
    0.90%
    Fri Jul 31
  • Rate
    0.90%
  • Min Deposit
    $10,000
  • Nordstrom Bank
  • APY
    0.90%
    Fri Jul 31
  • Rate
    0.90%
  • Min Deposit
    $1,000
  • Salem Five
  • APY
    0.80%
    Fri Jul 31
  • Rate
    0.80%
  • Min Deposit
    $10,000
  • EverBank
  • APY
    0.75%
    Fri Jul 31
  • Rate
    0.75%
  • Min Deposit
    $1,500
  • 5 Star Bank
  • APY
    0.75%
    Fri Jul 31
  • Rate
    0.75%
  • Min Deposit
    $1,000
  • USAA
  • APY
    0.71%
    Fri Jul 31
  • Rate
    0.71%
  • Min Deposit
    $1,000
  • Lone Star Bank
  • APY
    0.70%
    Fri Jul 31
  • Rate
    0.70%
  • Min Deposit
    $1,000
  • ableBanking, a division of Northeast Bank
  • APY
    0.65%
    Fri Jul 31
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • TAB Bank
  • APY
    0.65%
    Fri Jul 31
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • NewDominion Bank
  • APY
    0.60%
    Fri Jul 31
  • Rate
    0.59%
  • Min Deposit
    $1,000
  • American Bank
  • APY
    0.33%
    Fri Jul 31
  • Rate
    0.33%
  • Min Deposit
    $500
  • Silvergate Bank
  • APY
    1.08%
    Tue Jul 28
  • Rate
    1.07%
  • Min Deposit
    $25,000
  • Congressional Bank
  • APY
    0.95%
    Mon Jul 27
  • Rate
    0.95%
  • Min Deposit
    $50,000
See More Rates

Blog

Sheyna Steiner

Do market-linked CDs offer high rates?

Low CD rates have forced savers to take on more risk in the search for yield. But some risks may not be worth taking. Are market-linked CDs worth it? Read more

WEEKLY CD RATES ANALYSIS – July 30, 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%

Rates on certificates of deposit were unchanged in Bankrate's July 29 national survey of interest rates.

The average one-year CD yield was 0.27% for the 20th straight week. The average five-year yield was 0.87% for the sixth week in a row.

For the 12th consecutive week, the average one-year jumbo CD yield was 0.3%. For the third week in a row, the five-year jumbo yield was 0.91%. Jumbo CDs are typically sold for a $100,000 deposit.

The average money market account yield was 0.09%, where it has been for 42 straight 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

Weekly CD rates update

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

Best investment for grandkids?

It'll be years before your grandchildren go to college. What's the best way to help them save? 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 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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