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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%
    Tue May 26
  • Rate
    1.34%
  • Min Deposit
    $5,000
  • BankDirect
  • APY
    1.21%
    Tue May 26
  • Rate
    1.20%
  • Min Deposit
    $10,000
  • Home Savings Bank
  • APY
    1.20%
    Tue May 26
  • Rate
    1.19%
  • Min Deposit
    $10,000
  • My e-BAnC by BAC Florida Bank
  • APY
    1.20%
    Tue May 26
  • Rate
    1.19%
  • Min Deposit
    $1,500
  • California First National Bank
  • APY
    1.16%
    Tue May 26
  • Rate
    1.15%
  • Min Deposit
    $5,000
  • VirtualBank
  • APY
    1.16%
    Tue May 26
  • Rate
    1.15%
  • Min Deposit
    $10,000
  • AloStar Bank of Commerce
  • APY
    1.10%
    Tue May 26
  • Rate
    1.09%
  • Min Deposit
    $1,000
  • Silvergate Bank
  • APY
    1.08%
    Tue May 26
  • Rate
    1.07%
  • Min Deposit
    $25,000
  • Pentagon Federal Credit Union
  • APY
    1.06%
    Tue May 26
  • Rate
    1.05%
  • Min Deposit
    $1,000
  • Ally Bank
  • APY
    1.05%
    Tue May 26
  • Rate
    1.04%
  • Min Deposit
    $0
  • First Internet Bank of Indiana
  • APY
    1.00%
    Tue May 26
  • Rate
    1.00%
  • Min Deposit
    $1,000
  • Congressional Bank
  • APY
    0.95%
    Tue May 26
  • Rate
    0.95%
  • Min Deposit
    $50,000
  • Goldwater Bank
  • APY
    0.95%
    Tue May 26
  • Rate
    0.95%
  • Min Deposit
    $5,000
  • giantbank.com
  • APY
    0.95%
    Tue May 26
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • Presidential Bank, FSB
  • APY
    0.95%
    Tue May 26
  • Rate
    0.95%
  • Min Deposit
    $1,000
  • Discover Bank
  • APY
    0.95%
    Tue May 26
  • Rate
    0.95%
  • Min Deposit
    $2,500
  • EH National Bank
  • APY
    0.90%
    Tue May 26
  • Rate
    0.90%
  • Min Deposit
    $10,000
  • Chartway Federal Credit Union
  • APY
    0.85%
    Tue May 26
  • Rate
    0.85%
  • Min Deposit
    $2,500
  • E-LOAN
  • APY
    0.85%
    Tue May 26
  • Rate
    0.85%
  • Min Deposit
    $10,000
  • Barclays
  • APY
    0.80%
    Tue May 26
  • Rate
    0.80%
  • Min Deposit
    $0
  • EverBank
  • APY
    0.75%
    Tue May 26
  • Rate
    0.75%
  • Min Deposit
    $1,500
  • USAA
  • APY
    0.71%
    Tue May 26
  • Rate
    0.71%
  • Min Deposit
    $1,000
  • Lone Star Bank
  • APY
    0.70%
    Tue May 26
  • Rate
    0.70%
  • Min Deposit
    $1,000
  • TAB Bank
  • APY
    0.65%
    Tue May 26
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • ableBanking, a division of Northeast Bank
  • APY
    0.65%
    Tue May 26
  • Rate
    0.65%
  • Min Deposit
    $1,000
  • NewDominion Bank
  • APY
    0.60%
    Tue May 26
  • Rate
    0.59%
  • Min Deposit
    $1,000
  • Bank of Internet USA
  • APY
    0.55%
    Tue May 26
  • Rate
    0.55%
  • Min Deposit
    $1,000
  • 5 Star Bank
  • APY
    0.40%
    Tue May 26
  • Rate
    0.40%
  • Min Deposit
    $1,000
  • Fidelity Bk of FL, N.A
  • APY
    0.40%
    Tue May 26
  • Rate
    0.40%
  • Min Deposit
    $5,000
  • 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: 0.27%
  • 5-year CD yields: 0.86%

Rates on longer-term jumbo certificates of deposit were up in this week's survey of interest rates.

For the 10th straight week, the average one-year CD yield was 0.27 percent. The average five-year yield was 0.86 percent for the second consecutive week.

The average one-year jumbo CD yield was 0.3 percent for the second consecutive week. Jumbo CDs are available for a deposit of $100,000.

The average five-year jumbo CD yield was up 1 basis point to 0.91 percent. A basis point is one-hundredth of 1 percent.

The average money market account yield was 0.09 percent for the 32nd week in a row.

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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