Criteria used in Bankrate.com surveys

1 month CD

An FDIC-insured, 1-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

1 month IRA CD

An FDIC-insured, 1-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

1 month jumbo CD

An FDIC-insured, 1-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

1 month jumbo IRA CD

An FDIC-insured, 1-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

1 yr CD

An FDIC-insured, 1-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

1 yr IRA CD

An FDIC-insured, 1-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

1 yr jumbo CD

An FDIC-insured, 1-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

1 yr jumbo IRA CD

An FDIC-insured, 1-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

18 month CD

An FDIC-insured, 18-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

18 month IRA CD

An FDIC-insured, 18-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

18 month jumbo CD

An FDIC-insured, 18-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

18 month jumbo IRA CD

An FDIC-insured, 18-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 month CD

An FDIC-insured, 2-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 month IRA CD

An FDIC-insured, 2-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 month jumbo CD

An FDIC-insured, 2-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 month jumbo IRA CD

An FDIC-insured, 2-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 yr CD

An FDIC-insured, 2-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 yr IRA CD

An FDIC-insured, 2-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 yr jumbo CD

An FDIC-insured, 2-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2 yr jumbo IRA CD

An FDIC-insured, 2-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2.5 yr CD

An FDIC-insured, 2.5-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2.5 yr IRA CD

An FDIC-insured, 2.5-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2.5 yr jumbo CD

An FDIC-insured, 2.5-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

2.5 yr jumbo IRA CD

An FDIC-insured, 2.5-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month $25K CD

An FDIC-insured, 3-month fixed term, $25,000 depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month $25K IRA CD

An FDIC-insured, 3-month fixed term, $25,000 depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month $50K CD

An FDIC-insured, 3-month fixed term, $50,000 depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month $50K IRA CD

An FDIC-insured, 3-month fixed term, $50,000 depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month CD

An FDIC-insured, 3-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month IRA CD

An FDIC-insured, 3-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month jumbo CD

An FDIC-insured, 3-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 month jumbo IRA CD

An FDIC-insured, 3-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 yr CD

An FDIC-insured, 3-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 yr IRA CD

An FDIC-insured, 3-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 yr jumbo CD

An FDIC-insured, 3-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

3 yr jumbo IRA CD

An FDIC-insured, 3-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

4 yr CD

An FDIC-insured, 4-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

4 yr IRA CD

An FDIC-insured, 4-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

4 yr jumbo CD

An FDIC-insured, 4-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

4 yr jumbo IRA CD

An FDIC-insured, 4-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

5 yr CD

An FDIC-insured, 5-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

5 yr IRA CD

An FDIC-insured, 5-year fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

5 yr jumbo CD

An FDIC-insured, 5-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

5 yr jumbo IRA CD

An FDIC-insured, 5-year fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month $25K CD

An FDIC-insured, 6-month fixed term, $25,000 depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month $25K IRA CD

An FDIC-insured, 6-month fixed term, $25,000 depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month $50K CD

An FDIC-insured, 6-month fixed term, $50,000 depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month $50K IRA CD

An FDIC-insured, 6-month fixed term, $50,000 depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month CD

An FDIC-insured, 6-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month IRA CD

An FDIC-insured, 6-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month jumbo CD

An FDIC-insured, 6-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

6 month jumbo IRA CD

An FDIC-insured, 6-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

9 month CD

An FDIC-insured, 9-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

9 month IRA CD

An FDIC-insured, 9-month fixed term depository account that is directly offered to individual consumers with no other relationship with the institution for use as an IRA. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Rate information is collected on the minimum deposit required to open and earn interest at the stated rate. Best rate (100 Highest Yields) accounts are offered across all 50 states.

9 month jumbo CD

An FDIC-insured, 9-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution. For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.

9 month jumbo IRA CD

An FDIC-insured, 9-month fixed term jumbo ($100,000)depository account that is directly offered to individual consumers with no other relationship with the institution and eligible to be included in an individual retirement account (IRA). For credit unions, insurance is issued by NCUA. This account must include a withdrawal penalty if funds are withdrawn in the first 7 days. The stated rate and yield assume that principal and interest are left on deposit for the entire term of the CD. Best rate (100 Highest Yields) accounts are offered across all 50 states.