Quick links: Bank ratings | Graph rates | 100 High Yield CDs

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  Prod. Institution Rate CM APY Min Deposit Advertiser comments
3 yr CD
  		Discover Bank
New Castle, DE
Posted: 11/20/09
 2.57 D 2.60 $2,500 Rates that consistently beat the competition. Open a CD today!
3 yr CD
  		Ally Bank
Midvale, UT
Posted: 11/20/09
 2.52 D 2.55 $0 Always competitive rates. No monthly fees. Member FDIC.
3 yr CD
  		Aurora Bank, FSB
Wilmington, DE
Posted: 11/20/09
 2.45 D 2.48 $1,000 Great Rates, Great Customer Service, Member FDIC
3 yr CD
  		Capital One Direct Banking
Glen Allen, VA
Posted: 11/20/09
 1.98 D 2.00 $5,000 Earn a 2.85% APY* on 4-year CD. FDIC insured.
3 yr CD
  		Flagstar Direct
Troy, MI
Posted: 11/20/09
 2.97 Q 3.00 $500  
3 yr CD
  		Goldwater Bank
Scottsdale, AZ
Posted: 11/20/09
 2.99 S 2.99 $50,000  
3 yr CD
  		National Bank of Kansas City
Overland Park, KS
Posted: 11/20/09
 2.71 D 2.75 $10,000  
3 yr CD
  		Lone Star Bank
Houston, TX
Posted: 11/20/09
 2.66 D 2.70 $1,000  
3 yr CD
  		Intervest National Bank
New York, NY
Posted: 11/20/09
 2.65 D 2.68 $2,500  
3 yr CD
  		First Internet Bank of Indiana
Indianapolis, IN
Posted: 11/20/09
 2.62 M 2.65 $1,000  
3 yr CD
  		State Bank of India
New York, NY
Posted: 11/20/09
 2.60 Q 2.63 $5,000  
3 yr CD
  		newdominionDIRECT.com
Charlotte, NC
Posted: 11/20/09
 2.53 D 2.56 $3,000  
3 yr CD
  		Centennial Bk
Fountain Valley, CA
Posted: 11/20/09
 2.50 M 2.53 $10,000  
3 yr CD
  		AIG Bank
Wilmington, DE
Posted: 11/20/09
 2.47 D 2.50 $2,500  
3 yr CD
  		Colorado Federal Savings Bank
Greenwood Village, CO
Posted: 11/20/09
 2.47 D 2.50 $5,000  
3 yr CD
  		Main Street Bank
Kingwood, TX
Posted: 11/20/09
 2.47 D 2.50 $10,000  
3 yr CD
  		USAA
San Antonio, TX
Posted: 11/20/09
 2.47 M 2.50 $1,000  
3 yr CD
  		VirtualBank
Palm Beach Gardens, FL
Posted: 11/20/09
 2.45 D 2.48 $10,000  
3 yr CD
  		AmtrustDirect.com
Cleveland, OH
Posted: 11/20/09
 2.42 D 2.45 $1,000  
3 yr CD
  		Heritage Bank, N.A.
Phoenix, AZ
Posted: 11/20/09
 2.43 Q 2.45 $5,000  
3 yr CD
  		UmbrellaBank.com
Birmingham, AL
Posted: 11/20/09
 2.42 D 2.45 $1,000  
3 yr CD
  		Stonebridge Bank
Exton, PA
Posted: 11/20/09
 2.37 D 2.40 $500  
3 yr CD
  		Bank of Internet USA
San Diego, CA
Posted: 11/20/09
 2.23 D 2.25 $1,000  
3 yr CD
  		First NB of Baldwin County
Foley, AL
Posted: 11/20/09
 2.25 S 2.25 $500  
3 yr CD
  		Third Federal Savings and Loan
Cleveland, OH
Posted: 11/20/09
 2.23 Q 2.25 $500  
3 yr CD
  		giantbank.com
Ft. Lauderdale, FL
Posted: 11/20/09
 2.14 D 2.16 $2,500  
3 yr CD
  		Ascencia, a div. of PBI Bank
Louisville, KY
Posted: 11/20/09
 1.98 M 2.00 $500  
3 yr CD
  		American Bank
Allentown, PA
Posted: 11/20/09
 1.93 D 1.95 $500  
3 yr CD
  		Transportation Alliance Bank
Ogden, UT
Posted: 11/20/09
 1.93 D 1.95 $1,000  
3 yr CD
  		California First National Bank
Irvine, CA
Posted: 11/20/09
 1.88 M 1.90 $5,000  
3 yr CD
  		Heritage Bank
Willmar, MN
Posted: 11/20/09
 1.90 A 1.90 $1,000  
3 yr CD
  		UFBDirect.com
Irvine, CA
Posted: 11/20/09
 1.88 M 1.90 $8,000  
3 yr CD
  		State Farm Bank
Bloomington, IL
Posted: 11/20/09
 1.86 D 1.88 $500  
3 yr CD
  		Domestic Bank
Cranston, RI
Posted: 11/20/09
 1.74 M 1.75 $500  
3 yr CD
  		Citizens Trust Bank
Atlanta, GA
Posted: 11/20/09
 1.55 D 1.56 $500  
3 yr CD
  		E-LOAN
Pleasanton, CA
Posted: 11/19/09
 2.48 D 2.51 $10,000  
3 yr CD
  		OneWest Bank, FSB
Pasadena, CA
NR
Posted: 11/19/09
 2.23 D 2.25 $5,000  
3 yr CD
  		MetLife Bank
Bridgewater, NJ
Posted: 11/13/09
 2.23 D 2.25 $25,000  
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To make that monthly deposit, you should be setting aside: $ daily or
$ weekly.

Financial terms: view below the definition for terms used on this search results page.

Product: A certificate of deposit (CD) is an FDIC-insured time deposit with a fixed maturity date, usually from three months to five years. It usually pays higher interest than a savings account, and a penalty is charged for withdrawing funds before the maturity date. An individual retirement account (IRA) is a special retirement planning account for individuals.

Institution: The organization in which you deposit your funds. This survey group includes banks, thrifts and other representative institutions.

Rate: The simple interest rate, which is the annual rate of return without compounding interest.

CM: The compounding method used in Bankrate tables. The letters are abbreviated for the following: S for simple interest; A for compounded annually; H for compounded semi-annually; Q for compounded quarterly; M for compounded monthly; and D for compounded daily.

APY: The annual percentage yield based on an institution’s compounding method, assuming funds remain in the account for a 365-day year.

Min deposit: The lowest amount an institution requires to open an account and earn interest.

Advertiser comments: Additional information given by the listed institutions.

Location: Some institutions provide CDs in all 50 states regardless of your place of residence and can be found by selecting the highest nationally available button. Some institutions provide CDs in restricted geographical areas and can be found by entering your ZIP code or selecting the city and state closest to where you live.

Avg. rate: The average of all the rates listed in the rate column.

Avg. APY: The average of all the annual percentage yields listed in the APY column.

Avg. min deposit: The average of the average minimum deposits required in the minimum deposit column.

Show selected only: This reduces the number of listings in the rate table and compares the products you selected by clicking the checkbox.

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Cd tip
Laddering CDs are a great option for saving and earning. In a ladder, the length of the CDs vary, each rolling over to the highest rung as time expires. This keeps an array of rates earning, and a bad rate only lasts as long as its rung; it is evened out by the other CDs.
Cd tip
Use caution when deciding on CD terms and understand you won't be taking it out. A five-year CD may have a great rate, but if you have to touch it before that time is up, be prepared to pay a hefty penalty where you could sacrifice some or all of your interest.
Cd tip
Banks compete with one another by offering higher rates, but many times the highest CD rates can be found from online banks. Use Bankrate's search feature to find the highest rates on CDs.
Cd tip
Each of the institutions listed is insured by the Federal Deposit Insurance Corporation (FDIC), and is available to consumers in all 50 states.
Quality Assurance
Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate customers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.
 

If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you. Please click here.

For an explanation of savings terms, click here. These rates are updated weekly. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

Averages for your search.
Avg. Rate Avg. APY Avg. Min Deposit
2.320 % 2.344 % $4,987
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