Best CD Rates for September 2021

Our articles, research studies, tools, and reviews maintain strict editorial integrity; however, we may be compensated when you click on or are approved for offers from our partners.

Just a few minutes spent searching for the best CD rates could earn you extra money for months or years to come. 

Shopping for bank rates is always a good idea. Generally, there's a wide difference between the interest rates most banks offer and the top rates available.

When it comes to certificates of deposit, shopping for a higher rate can be especially rewarding. Because CDs generally pay a fixed interest rate over a specified period of time, finding higher CD interest rates rate today should continue to pay off for you over the life of that CD. Learn about CDs and discover CD rates that can earn you more interest.

Which Banks Have the Best CD Rates?

A large number of banks offer CDs, and many compete to have the best CD rates. Use the MoneyRates CD rate-finder tool below to sort through the list to find a CD that fits your financial goals.

Select the type of account, deposit amount, and desired CD length. The results show the top rates from our featured banks, but each listing can be expanded to reveal more rates. Click + to see all CD rates for each bank.

A second table below shows more CD products that meet your specifications. Rates in this table may be higher or lower than the featured-bank rates. Click + to see more offers.

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CD Rate History - Average APY (%) Rate Trend over Time

Product :
Period :
Average APY(%)
5 years
1 year
Aug 20210.18%
Jul 20210.15%
Jun 20210.181%
May 20210.178%
Apr 20210.186%
Mar 20210.189%
Feb 20210.194%
Jan 20210.201%
Dec 20200.213%
Nov 20200.272%
Oct 20200.234%
Sep 20200.26%
Aug 20200.292%
Jul 20200.331%
Jun 20200.357%
May 20200.429%
Apr 20200.491%
Mar 20200.522%
Feb 20200.825%
Jan 20200.846%
Dec 20190.869%
Nov 20190.857%
Oct 20190.897%
Sep 20190.948%
Aug 20190.988%
Jul 20191.091%
Jun 20191.137%
May 20191.129%
Apr 20191.119%
Mar 20191.144%
Feb 20191.132%
Jan 20191.119%
Dec 20181.099%
Nov 20181.066%
Oct 20181.038%
Sep 20180.995%
Aug 20181.009%
Jul 20180.998%
Jun 20180.892%
May 20180.832%
Apr 20180.809%
Mar 20180.779%
Feb 20180.734%
Jan 20180.645%
Dec 20170.587%
Nov 20170.569%
Oct 20170.565%
Sep 20170.538%
Aug 20170.549%
Jul 20170.523%
Jun 20170.507%
May 20170.495%
Apr 20170.473%
Mar 20170.477%
Feb 20170.46%
Jan 20170.429%
Dec 20160.421%
Nov 20160.415%
Oct 20160.418%
Sep 20160.425%

Disclosure: collects rates on a weekly basis and averages the last rate collected every month for each bank's products to produce this dataset.

Current CD Rate Trends

CD rates started to fall after rising steadily a few years back. They began falling in 2019 and fell even faster after the coronavirus pandemic struck.

Still, the best CD rates for one- and five-year CDs are still much better than the average in each category. This makes it well worth shopping around for the best CD rate you can find.

Typically, online CD interest rates are higher than rates available from CDs at traditional, branch-based accounts. studies have found this rate advantage applies to one-year and five-year CD rates, but you can expect it to also be true of all CD lengths.

Long-term CD interest rates drop most

The drop in CD interest rates was especially steep for long-term CDs. This reflects caution on the part of banks. If rates are going to be falling, banks do not want to get caught having made commitments to pay higher rates on CDs with longer terms.

With long-term CD rates dropping more than short-term rates, the difference between long and short rates shrunk. While longer term rates are somewhat higher, the best CD rate consumers get for committing to a CD with a longer term has been reduced.

Choices for consumers in 2021

Despite the reduced reward for choosing a long-term CD, a falling rate environment might encourage you to choose longer CD terms if you can afford to commit your money for a longer period of time.

CD laddering is a technique you can choose to get some benefit from the best CD rates while still having a portion of your money become available at regular intervals.

Times when interest rates are changing make it especially important to shop around before you open a CD account. When rates are on the move, banks offering CDs adjust their rates at different times and by different amounts. That can change where the best CD rates are to be found.

Looking ahead, there is not much room for rates to fall further. The Federal Reserve has indicated it expects to keep interest rates low even if inflation pressures are felt in the economy in 2021. So, you may not see much more change in CD rates unless there is a big change in the economy.

How CDs Work

Unless you are already familiar with CDs, understanding a little about how they work might help you choose the CD that has the best CD rates for you.

CD interest rates, terms, and minimum balance requirements

A CD is a deposit instrument which requires you to commit to keeping your money in the account for a specified period of time. In return, the bank will typically agree to pay you a fixed interest rate for that length of time.

Some banks vary their CD interest rates depending on how much you deposit. In such cases, you have to meet a minimum balance requirement in order to qualify for the advertised rate.

A reward for committing your money for a specified period of time is that CDs generally pay higher interest rates than savings accounts or money market accounts. In most cases, the longer you commit to a CD, the higher the interest rate will be.

  • The length of time you agree to commit your money for is known as the CD term.
  • The date at which that term expires is known as the maturity date.

Can you cash in your CD at any time?

CD terms come in a variety of lengths, with the most common ones offering the best CD rates ranging from as little as one month to five years or longer.

If you want to take money out of the CD before the maturity date, you will usually have to pay an early withdrawal penalty. That early withdrawal penalty is important to consider before you lock your money up in a CD.

While a longer commitment is an opportunity to earn more interest, it also limits your access to your money. Having to pay an early withdrawal penalty may negate the rate advantage you gained by choosing a longer-term CD. That's why shorter-term CDs may be a better idea for some people.

How safe are CDs?

CDs can be perfect for low-risk investors.

CDs offered by federally insured banks or credit unions are protected by deposit insurance. This covers up to $250,000 worth of deposits per customer at each participating financial institution. If you have more than one account you can only be insured for a maximum of $250,000 across all accounts. You can, however, gain more insurance coverage by spreading accounts across multiple institutions.

There are some CD products whose rates can vary under certain circumstances, and a few that don't charge an early withdrawal penalty. However, these exceptions are fairly rare. 

What Should You Look for When Choosing a CD?

You could spend all day comparing CDs, but there's a more efficient way to shop for the best CD rate.

Here's how to narrow your search:

Select your CD term

The starting point for choosing a CD should be to decide how long you can afford to lock up your money. That makes it easier to compare rates based on the same CD length.

Most CDs are issued for uniform time periods such as one-year, three-years, five-years, or longer. Sometimes banks issue CDs with slightly irregular time periods such as 13 months rather than one year as a special promotion. These may meet your needs well enough to be included in your search.

Confirm deposit insurance

If you want full safety for your CD, you should limit your comparison-shopping to products backed by the FDIC (Federal Deposit Insurance Corporation) or the NCUA (National Credit Union Administration).

Investigate early withdrawal penalties

You should try to avoid paying an early withdrawal penalty by choosing a CD term that expires before you are likely to need to access your money. However, it's still a good idea to compare early withdrawal penalties when choosing a CD just in case something goes wrong. If two CDs have roughly the same term and the same interest rate, it can be a good tie-breaker to choose the one with the lower early withdrawal penalty.

Compare fixed interest rates

Comparing interest rates is fairly straightforward if you are looking at CDs with the same term length. However, make sure that the rates you are comparing are fixed interest rates for the full term of the CD.

Know the maturity date

Knowing the maturity date helps you confirm the length of the CD term and allows you to plan ahead for when you cash out your CD or roll it over into a new one.

Verify minimum-balance requirements

The MoneyRates CD rate comparison tool above lets you to specify the size of the CD you want to find the best CD rates based on minimum balance requirements. This is important because you should base your rate-shopping on products that are available to your account size.

How MoneyRates Tracks the Best CD Rates

Though CD rates are locked in for the term of the CD, the rates banks offer on new CD accounts can change at any time. MoneyRates actively researches CD rates from week to week to bring you the most current information available.

Researchers for MoneyRates regularly monitor close to a thousand CD products from hundreds of financial institutions. These CD accounts represent a range of different terms and minimum balances, giving you plenty of CDs to choose from in searching for one that will meet your needs.

Also, the rates collected by MoneyRates are sorted into different term-length categories and averages are calculated for each of those categories. These averages are used as the basis for the interactive rate trend chart found above. Those averages can give you some context in evaluating whether a given CD product's rates are above or below average.

Frequently Asked Questions

A certificate of deposit (CD) is a type of deposit product that pays a fixed interest rate on your funds for a specific period of time. Interest rates on CDs are typically higher than for savings accounts because your principal is locked until the CD matures.

CD accounts are typically insured by the Federal Deposit Insurance Corporation (FDIC), depending on whether or not the institution is an FDIC member, making them low-risk investments for savers.

Certificates of deposit usually require that the funds on deposit remain untouched for a defined period of time; however, many CDs allow the funds to be withdrawn before maturity if you pay a penalty.

See the graph below the rate-finder tool near the top of this page to see recent trends in CD rates. Another way to stay on top of changing interest rates is to bookmark the America's Best Rates Survey, which is done every quarter here on

An extraordinary CD rate may come with strings attached. Here are three things to look for when a bank is offering an unusually high CD rate: You may be required to open another type of account. This means you have to evaluate both accounts as a pair. For example, it may not be worth getting a little extra interest on a CD if it also means you have to sign up for a checking account that charges monthly maintenance fees. There may be a low maximum amount that qualifies for the fee. A bank may offer a splashy CD rate, but limit it to balances of $5,000 or less. This way, the bank gets to look like it has the best CD rates, without having to actually pay out much interest at those rates. The rate may apply for a limited time only--which is less of a problem if you can lock that rate in for the term of a CD. In a situation like this, you should check with the FDIC to confirm that the bank in question is an FDIC-insured institution, and carefully review the terms and conditions that the bank requires of depositors in this product to make sure you can live with them.

While rates on most CDs are locked in for the term of the CD, the best CD rates available change all the time. Use the rate-finder tool near the top of this page to find the best CD rates available now.

Statement cycle shouldn't affect your account. If your bank has switched from a monthly to an annual statement cycle, it's probably to save money, which is fine as long as the bank puts some of those savings toward maintaining the best CD rates they can. The proof will come when your CD matures. Check with your bank to see if the compounding method has changed. However frequently interest is paid, it's how frequently it is compounded that determines whether you are, in effect, earning. The frequency of statements might matter if you decided to terminate the CD early. Find out how accumulated interest is credited throughout the year, between statements. Based on this experience, you might put statement frequency on your shopping list the next time you look for a CD, but even so you might decide that you'd be content to sign up for an annual statement again if it meant getting the best CD rates.

Whether you are a low-risk investor or someone who can accept investment risk, some portion of your assets should be in safe investment options. Certificates of deposit make good low-risk investments because they are usually FDIC-insured.

Katie 15 August 2016 at 5:06 pm

Thank you for sharing that information. Your best bet with East Boston Savings Bank might be to call their customer service line: 1-800-657-3272

Jeffrey 5 July 2016 at 3:32 pm

Where can you open the cd at East Boston Savings Bank online? I cannot find any link online to open one.

SSM 13 June 2016 at 7:45 pm

East Boston Savings Bank is now allowing CDs to be open on line even if you are not a resident of Boston. I have recently opened a CD for 48 months @ APY 2.13%. while living in Maryland..

VG 10 November 2015 at 8:59 pm

Colorado Fed Bank ( offering 1.35% APY for a 12M CD with min. deposit $5K. No strings attached.

ST 4 November 2015 at 5:33 pm

East Boston Savings Bank has no way to open CDs online or by mail. Unless you live near a branch, you cannot open a new CD.

S T 22 July 2015 at 4:00 pm

Why aren't rates shown in rate order, as they used to be? It is difficult to use the site with banks in alphabetical order - I need to use pen and paper to write things down! How quaint!

Katie 12 May 2015 at 5:32 pm

Thank you VG for sharing.

VG 21 April 2015 at 4:08 pm

Live Oak Bank ( is offering 1.4% APY (simple interest) for a 12M CD with min. deposit $75K. No strings attached.

Heidi C 4 October 2014 at 4:28 pm

Icon credit union in Idaho and Oregon has a 1.25% AYP for a one year term, minimum balance of five hundred dollars. No maximum balance. You must become a member if the credit Union, but don't need to be one at the time.

CuriousDave 22 July 2014 at 5:20 pm

The strategy of investing long-term and accepting a penalty for early withdrawal may work, but beware the fine print. Ensure that the institution states in writing, and without reservation, that early withdrawals will, as opposed to may, be permiited. The financial landscape changes frequently and what may suit any particular institution today may not suit it tomorrow, Beware, especially, sentences, usually buried in fine print, to the effect that the institution reserves the right to change any of its policies at any time.

Ann King 1 April 2014 at 1:31 pm

Navy Federal Savings Bank is now at 2.71% for large deposits, but one must qualify for membership.

Sree 15 November 2013 at 1:50 pm

State Bank of India NY interest rates can be found at far as I know, State Bank of India NY is a branch of State bank of India. State Bank of India CA is a subsidiary of State Bank of India. They act as two different banks, many times interest rates and other services are different.

Maria - MONEYRATES MODERATOR 8 November 2013 at 10:09 am

Hi Gary S., State Bank of India the New York Branch currently offers a CD for 5 Years and above at 2.05 percent APY. The minimum deposit is $5,000 for U.S. resident consumers. We confirmed the APY today by checking their website and calling the bank. Please note rates are subject to change at any time. Applications for new accounts are accepted by mail. As with any financial institution we recommend you contact the bank or check their online disclosure for account terms, fees and other related information before you apply. You can check the FDIC status and find out financial information of a bank with this link to the FDIC website We added the bank location to our notes section. We hope all this helps. Take care and we appreciate you contacting us.

Gary S 6 November 2013 at 10:40 pm

You report State Bank of India paying 2.05% APR for 5 year CD as of Oct. 30, 2013. Their office in California says it is now 1.3% APR, and has NOT been higher recently. What's with you? (Could you give a LINK to the bank, rather than me needing to do a Google search!)

Pat 7 April 2013 at 5:56 pm

Checking Pentagon Federal CU website shows their 2, 3 and 7 year certificate rates are appreciably lower than you report; i.e., .99%, 1.20% and 1.50% respectively for the period 4/1-30/13.

bru 7 March 2013 at 6:17 pm

Pentagon FCU CD Rates. 2y- 1.35 and 3y- 1.60

Ann King 1 January 2013 at 4:30 pm

Pentagon Federal rate is actually about 2%, not 2.4+%.

Fred 24 September 2012 at 6:41 pm

First National Bank of Kansas Rates as of Sep. 19th 5 year 1.99% 2.00% $500 noneWhat First National Bank of Kansas are you talking about? I have called two separate banks ( not branches ) that have this name and they don't know anything about this rate ?

Maria - MONEYRATES MODERATOR 9 September 2012 at 9:30 pm

Hi zaqxsw, Based on Doral Bank Direct's Web site the APY for the 3 year CD is 1.35% effective as of 9/9/2012. They also offer a 6 month CD earning 0.92% APY. Thank you for alerting us to the rate change, we have updated our site.

zaqxsw 9 September 2012 at 12:13 pm

Doral Bank Direct 3 yr rate is incorrect. It should be 1.35% APY.Thanks for this site!

John 24 August 2012 at 2:42 am

Used to like this website until they wasted screen space by putting this crappy facebook/twitter social bar.

Titanic Jack 9 July 2012 at 7:41 pm

Jorg Haider, Don't you mean to say 'Buy Gold and Farm property when the prices are low?' How many property owners have lost their pants recently?

S.Z. 24 May 2012 at 6:38 pm

My friend has just opened a 1-year CD denominated in RMB (Chinese Currency) with Bank of China in New York, getting 2.50% APY. Minimum open balance is USD10,000 with no maximum. According to their website, the deposit is also FDIC insured.

Maria 6 April 2012 at 5:33 pm

Hello S T,Thanks for bringing this to our attention. We have contacted OnBank for clarification regarding the availability of the 60 month CD.We will update the applicable product and rates as soon as we receive further information.

S T 29 March 2012 at 10:26 pm

OnBank is shown in the 5 year CD list, but, to quote the response i received, "OnBank is not opening new accounts at this time, therefore the product pages are not available."

S T 2 March 2012 at 3:47 am

If the Monument Bank listed in 5-year CDs is the one in the Maryland-DC-Virginia area, the rates are lower than shown. As of March 1, the 60-month rate was 1.30%, not 1.98%. That discrepancy makes me think this must be another bank - where?

Aaron Burrniski 16 February 2012 at 3:28 pm

The Cecilian Bank in Radcliff, Ky is offering great rates, and they are a 5 star Bauer rated bank. Yesterday, I got 2.30% on a 5 yr CD. They also offer 2.20 on 4 yr and 1.9% on 3 yr CDs. I opened locally, and don't know about the process through mail or online, but they have a website at with contact info.

S T Shapiro 7 February 2012 at 1:53 am

Tennessee Commerce Bank is no more. The FDIC closed it on Jan 27. Republic Bank has taken it over, with low rates now offered.

jack 3 February 2012 at 9:16 pm

The 1 year CD rate for The Bank of the Internet is incorrect. The correct rate is .75

S T Shapiro 23 January 2012 at 1:33 am

Tompkins Trust Company requirements to open an account: Live, work, attend school or will be attending school in one of the following counties: Tompkins, Seneca, Schuyler, Cayuga or Cortland.

Daniel 7 December 2011 at 1:42 am

were do we go to find rates from foreign banks or non banks any ideas much appreciated.

Bob 2 December 2011 at 3:02 pm

TCT Credit Union 3yr min. $1000 2.00% APY

jimshu1 27 November 2011 at 12:35 pm

Doral Bank Direct 1.65% 3yr. CD's

Paul 22 November 2011 at 4:08 am

Beal Bank APY 1.1% 12 month CD

mark 18 November 2011 at 7:37 pm

this is are government at work. they caused the housing bubble by lowing rate and subprime loans. now they are bailing out the banks while are seniors are collecting less than 2% on there savings.

edward levy 8 November 2011 at 4:18 am

first financial group is a so-called c.d. locator group and is a complete fraud. they offered 3.01% in the paper so when i made an appointment they offered me 3% on $10,000 and .75% on the second $10,000.. you do the math. it comes to 1.88%. they wasted my time and fraudulently advertised. the ftc should take a serious look at this company.

Heather bee 19 October 2011 at 10:21 am

What goes up must come down remember that old adage? Gold is rising now but 1 day will be worthless

J. Davis 20 September 2011 at 2:57 pm

Linda Hurst is incorrect in saying midfirstdirect is offering 1.5% for 1 year, check their site, it's APR is 1.05% for 1 year.

Linda Hurst 13 September 2011 at 5:03 pm is offereing 1.5% APR on 1 yr CD.

Jorg Haider 1 September 2011 at 1:03 am

Buy gold or farm property,everything else is a suckers bet when all the world economies collapse.

Lee Tepper 16 August 2011 at 1:43 pm

What do you think of a U.S. Treasury I Bond instead of a one year C.D. even considering the redemption penalty of the bond?

Tabatha Trammell 16 August 2011 at 12:30 pm

Wells Fargo ,Atlanta

Mark L. 5 August 2011 at 12:02 pm

3.44% with an APY of 3.50% on a 10-year FDIC insured CD with IGOBanking.Com. Hmmm...This sounds tempting; however, I am wondering if it would really be prudent to lock my $$$ in for such a long-term. I currently have two existing jumbo CD's - One with Capital One Bank that I opened in August 2008 for 5-years @ 5.12% (5.25% APY) and the other with Sovereign Bank - 5-years @ 2.96% (3.00% APY). My Capital One CD is due to mature in August 2013 & my Sovereign Bank CD will not mature 'til February 2016. I am wondering, at this rate, with the overall dismal outlook on our US economy, if the Federal Funds rate will ever be increased again. The Fed's say inflation remains subdued and under control. Well, I guess that's true if you don't eat or drive an automobile.

SJ Graves 3 August 2011 at 2:14 pm

I see an ad in the Greenville News for a 6 month CD at 3.85%. this is offered by the First financial Group. Is this a group i can trust? Anyone know. BBB gave them a A-, because they have not been in business long and there are no complaints.

Natalia Smolina 2 August 2011 at 9:48 pm

Capital One Bank, APY 3,00%, 10 year, 3-4 aug.,the branch in Skokie. Thank you!

Rhonda 29 July 2011 at 9:47 pm has a 59 month CD for 2.60%. minimum to open 500.00. Can get on line. Must open a share savings account with the credit union, need to be a member, which is easy, if no other reason to be a member applies, you can choose "other" and they will email you an application to mail back. 10.00 one time fee to open the savings, and 5.00 minimum balance

Heather 29 July 2011 at 9:30 pm

First Choice Bank, APY 1.50%, 2 years, July 20, 2011, opened only in branch (Cerritos/Alhambra, CA)

Valenta 17 July 2011 at 6:08 pm

Midfirst Bank, Oklahoma City, OK 84 month callable CD APY 3.10 %

Craig 15 July 2011 at 7:34 pm

I put a call into Georgia Primary Bank to inquire about opening a CD. All of Georgia Primary Bank deposits are available for Georgia residents only

Heather 28 June 2011 at 9:10 pm

I just opened an account last week at First Choice bank in Cerritos, CA. It was a 366-day term CD with APY 1.35%. Accounts need to be opened in the branch, and their rates can also be found at

William Lapp 24 June 2011 at 3:53 am

The Wells fargo is .03%...not 3% for savings. Ally looks to be the best and most consistent

LYNDA BLIVAS 27 May 2011 at 9:24 pm


Qugiely 25 May 2011 at 12:18 pm

How come I never see Kearny Bank in any of the listings. They give the best rate out there.

Quigley 25 May 2011 at 12:16 pm

How come I never see Kearny Bank on any listings. I find them to have the best cd for seniors.

Jim S 8 May 2011 at 12:07 pm

SalemFive Bank month CD at 1.75% APY

Steve 6 May 2011 at 7:22 pm

Salie Mae: 2.15 APY - No Minimum.

Diana 1 May 2011 at 9:17 pm

Previous question about Navy Credit Union -- One has to have a connection to Navy or be related to someone with a connection. That person must be a member of the Credit Union. At their website they have an extended list of who would be eligible. Don't get too excited though. The maximum deposit amount eligible for that 3% rate is $3000.

Ruth Sutherlin 25 April 2011 at 3:23 am

What are the Highest Certificate of Deposit Rates in Virginia

Marc Nephtali 16 April 2011 at 10:29 pm

Hi,I would like to have some info about your 3% Special Easy Start Certificate-$3,000 maximum. Do I need to be a navy person to sign up for that CDthanksMarc

Joshua Scribner 6 April 2011 at 8:28 pm

Doral Bank Direct (internet only bank) is currently offering a 12 Month CD @ 1.40% APY. The link to their rates is, Josh Scribner

Nat Silverman 15 March 2011 at 9:41 pm

The CD's need to pay more if that may be possible? Please furnish Local Banks in our area.

Alex 9 March 2011 at 3:04 pm

I am not working there: just use them - the best overall conditions, penalties and rates

RUTH COHEN 9 March 2011 at 10:18 am


Judy 1 March 2011 at 4:09 am

Page Valley Bank will not let you open accounts over the phone or internet you must live close enough to go to the bank to get the rate.

Dan Conroe 25 February 2011 at 7:47 pm

USA One Credit Union is proud of the great rates we offer on CDs. Please see below for a full list of CD rates and visit our website ( for details on our full range of products and services.CD Rates with $250 minimum deposit Dividend APY 3 Month: 0.45% 0.45% 6 Month 0.60% 0.60% 9 Month 0.72% 0.73% 12 Month 0.85% 0.85% 18 Month 0.90% 0.90% 24 Month 1.09% 1.10% 30 Month 1.14% 1.15% 36 Month 1.59% 1.60% 42 Month 1.66% 1.68% 48 Month 1.74% 1.75% 60 Month 1.93% 1.95% 120 Month 2.33% 2.35%

charlene 8 February 2011 at 12:08 pm

Looking for the best 18 month CD rate in either Maryland or New York.

Steven Pein 26 January 2011 at 2:58 pm

10 Year CD Rate is now 3.67% 3.62% rate with 3.67% yield on 10 Year CD at First Federal Savings Bank. Can open online. View at this link: Part bank is First Federal Savings Bank of Elizabethtown (Kentucky)

Joseph 20 January 2011 at 8:33 pm

Looking to find a high cd rate for 6-8 months...deposit of $10,000.

Georgia 20 January 2011 at 1:13 am

Looking for best CD rate for $10K for 60 days if there is such an animal.

Tracey 14 January 2011 at 3:43 am

Agree with Frank, see comment 8/24/10. I just opened a 24 month "raise your rate" at 1.52 APY CD with Ally Bank online. It was very easy to open and set up. Thanks for the information Frank.

Dan 9 January 2011 at 2:31 pm

Looking for high rates as possible in the 5 to 7 year time w/ FDIC

HR BAYNE 13 December 2010 at 4:30 pm


Pat 13 December 2010 at 3:43 pm

Justice Federal Credit Union announced a 7.50% APY savings rate, an astounding rate on a short term share certificate offered to Members as they wrap-up their 75th Anniversary Year. With an annual percentage yield of 7.50%, this 75 day share certificate offers one of the highest rates in the country.Justice FCU proudly serves those who serve justice, law enforcement, and homeland security across the nation. This offering is their way of saying thank you to their members for 75 years of service.

norman girard 24 November 2010 at 4:59 am

Dear Robin:I just looked up your suggestion and it is no wheres to be found.They only had 2% APY for a 5 year cd. It sure is not from their site you supposedly found this out? Do you have a link????????I have checked this bank often and it has always had lower reates than others, consistently over the last year.

Melinda 19 November 2010 at 11:37 pm

iGOBanking makes you jump through hoops - I don't care what their rates are - we tried to open a 2 year 2.65% CD - they said we were accepted and never debited our account. Said they would guarantee the rate - but took over 2 weeks to verify our address since we hadn't lived here for more than 2 years - just not easy to do business with - we canceled the application. Not worth the hassle - if it is that onerous to open an account, what would it be to cash it in and get your $$$.

robin 20 October 2010 at 3:33 pm has just added a 24 month CD with 2.25% APY, minimum $1,000, which puts them at the top of your table.They are an online bank - according to their website: is an online division of Flushing Savings Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer. I've seen them with some of the hightest rates quite frequently this year.

Leola Harris 15 October 2010 at 3:38 am

looking for best cd rate in Jacksonville, Florida for first time deposits

robin 4 October 2010 at 7:17 pm has just added an 18 month CD with 1.50% APY, minimum $1,000They are an online bank - according to their website: is an online division of Flushing Savings Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer.I've seen them with some of the hightest rates quite frequently this year.

ashley 19 September 2010 at 4:51 pm

CDs up to 3.30%

Frank 24 August 2010 at 3:37 pm

Well, let's face it. All of these CD rates are miserable, and really tough for us old folk who depend upon interest income to pay our bills. For me, I have put all of my CD funds into Ally Bank. I find none more accessible, easy to communicate with, and especially a terrific 2 year CD with option to bump up once to a higher rate during that period if rates should go higher. This is great for a person like me who really prefers one-year CD committments.

cyrus 17 August 2010 at 8:20 am

Tidelands Bank Mt Pleasant,SC 843-284-8446 2.02 apy 7-month CD $1000 minimum new deposits ONLY no other accounts required

ralph glorioso 15 August 2010 at 3:33 am

My wife and I had our retirement IRAs to re-invest and were not seeing rates much over 1% for a 12 month deposit and we did not want to go for 2 or more years at this time.Umpqua Bank has been around since 1928, in Oregon initially, but opened in July in Santa Rosa. Through August 31, they have a promotional CD for 13 months at 1.75% APY. This was the best we could find anywhere and we were happy to have it. A free interest-bearing checking account is included. Scott and Gioia were the staff we dealt with and they were terrific. All in all, a very pleasant and productive experience.

Ali A. 31 July 2010 at 1:08 pm

Virginia Commerce Bank offers a one year CD at an APY oF 1.55%.

Lynda 21 June 2010 at 11:43 pm

Union Bank current cd promotions two year 2% and three yer 2.5%

Gene LaBert 4 June 2010 at 7:14 pm

2% at OneWest (former LaJolla Bank) in Dallas as of 12-4-10.

james antonucci 8 May 2010 at 7:00 pm

soveriegn bank in nh 3% at 36 months. Can I get any better?

mimi Shapiro 23 April 2010 at 2:45 pm

2% at First Citizens bank in Corona CA

dirk 23 April 2010 at 1:45 am

Everbank 3.21 3.26 5 year

steve smith 14 October 2009 at 10:24 pm

I called Hanmi Bank northridge CA - there CD is 2.10 for a 6 to 12 month time line with a $90,000 + deposit

Lucretia Coleman 1 September 2009 at 12:34 pm

Td Bank Has great CD rates also 9 mth is 1.40% Minimum deposit $500 2 year is 1.50% minimum deposit $ 500 there 5 year is 4.00 % minimum deposit $ 1000.00. The best way to gain maximum interest potential is to go with a shorter term CD.

james davis 29 August 2009 at 8:46 pm

Yes, I found Delta Community Bank has a 1 Year CD @ 2.35%, which would be the highest rate on the list currently because Quantum Bank is only for Georgia customers. I found this rate online - do you think it is legit? thanks!

Dave W 26 August 2009 at 12:39 am

Park National Bank. Any branch. (Chicago area) 12 month CD 2.20% APY. Minimum deposit 1,000.00. In person only. 8/25/09

Dave W 26 August 2009 at 12:37 am

Park National Bank 12 month CD 2.20% APY. Minimum deposit 1,000.00.

william ignatowski 25 August 2009 at 5:51 pm

2.20 % for 1 yearPark National Bank

Washington Federal Bank 21 August 2009 at 4:12 pm

Washington Federal Bank for Savings has a 6 month CD special at 1.96% apy. $1,000 minimum to open. They have 2 offices 2869 S. Archer Ave 773-254-3422 and 1410 W. Taylor St. 312-455-2940. A branch visit is required to open the account. They have been around for 96 years and are rated a 5 star bank by Bauer Financial (

robert purcell 18 August 2009 at 12:48 pm

looking for highest FDIC insured CD rates for 6months to 1 year

jill jones 18 August 2009 at 8:59 am

I would like to know the best rate around since my CD matures tomorrow!

Shel Ferdman 15 August 2009 at 6:25 pm

Check out Citibank 60mo. CD Rate

joan grooms 15 August 2009 at 12:12 am

3mo. and 6mo cd rates

Nancy McIntyre 13 August 2009 at 10:17 pm

Check Susquehanna Valley Federal Credit Union

James Leonard 12 August 2009 at 2:25 pm

Looking for the best 1 year CD for $25,000.

royal anthony tyler 10 August 2009 at 11:15 am

My son is in college and I would like to have up to a 6yr plan to be able to pay his tuition plus room and board, still have some left over to do other things with for projects.

Sandra Carmen 8 August 2009 at 4:59 pm

To invest about $170,000 for 3 months.

ann peron 8 August 2009 at 2:02 pm

need ga.rate

richard 7 August 2009 at 6:18 pm

Looking for the best rate on CDARS for 13 weeks. Can be a bank outside of Florida if they accept non resident companies. CDARS are a group of CD's from various banks for very large amounts, so all of it is insured.

Jack Brink 4 August 2009 at 1:40 am

Bank of the west

John F. Anthony 31 July 2009 at 10:59 pm

I'm looking to place $80,000.00 in a local bank and would like a CD rate for the period of one year, eighteen months and two years.

Ann Mine 25 July 2009 at 12:04 pm

Umpqua Bank, 2.5%apy, 13mos, 10k min. (

Pamela Stratton 17 July 2009 at 1:15 pm

2.65 APY at Washington First Bank in Great Falls, VA.

Shelley Diamond 14 July 2009 at 9:23 pm

Patelco Credit Union website says special promotional 1 year CD at 7% for "new members" but there was nothing listed about what criteria must be met to be a member so it sounds suspicious but that's the highest rate I've seen so I thought I would mention it....

mary 14 July 2009 at 8:54 am

3-month CD with First Fidelity Bank in Northern Virginia for 4.01%.

Richman 11 July 2009 at 3:41 pm

Where in New Jersey is the bank who gives the highest interest rate on the shortest period of time. What is the amount of CD money and how much is the interet rates.

Karen A 10 July 2009 at 10:43 pm

Be aware that the 4% CD is a note and not insured by the FDIC or any other government agency. Rates may change without notice.

Pete Godbey 7 July 2009 at 2:44 pm

Check, the Christian Church (Disciples of Christ) is offering a special CD at 4% rate on thier green account.

Judy S 6 July 2009 at 6:43 pm

Opened account at; CD rate 2.23%; APY 2.25; 1 yr CD, as of 7/6/09; online only; no min deposit; no checking or savings acct required.

S T 4 July 2009 at 3:29 am

Quantum Bank is not offering CDs to anyone who lives outside Georgia. 7-3-09

White Chocolate 4 July 2009 at 2:20 am

Amboy Direct One Year CD Rate @ 2.35%

Arnie 2 July 2009 at 12:04 pm Special CD Rates 24 months 3.00 APR 3.05 APY

Barry 30 June 2009 at 8:40 pm

Hudson City Savings in upstate NY, Nj and Ct has 12Month cd @2.25%. No checking or anything required. Branch visit required. My son opened an account on Sat. and the employees are very helpful and friendly.

Renee 29 June 2009 at 9:22 pm

American Trust Bank CD - 15month term $5,000

Ross 29 June 2009 at 3:41 pm

Looking for rates up to 1 year, not longer.

DONNA WIGHT 29 June 2009 at 3:56 am

highest interest rates for saving and cd rate

Connie Mavity 28 June 2009 at 2:44 pm

Looking for highest cd rate in idaho banks.

Erno Balogh 27 June 2009 at 11:47 am

Best ratea in local banks.

David Rothman 26 June 2009 at 3:27 pm

U.S.Bank (formely Downey Savings) 4% five yearsPentagon Federal Credit Union 4% five years.

Ray 25 June 2009 at 6:06 pm

What are the best rates as of 6/25/09

John Stevenson 22 June 2009 at 8:34 pm

The Hanmi Bank online CD is available ONLY to California residents. It is better that this info be added to your advertisement on the Money-Rates webpage.

Mary Klugh 22 June 2009 at 9:34 am

Looking for the best rate for a $10,000 for our condo owners association

Everett Davidson 21 June 2009 at 3:57 pm

WHat are the best Rates for a FDIC insured CD in Arizona

amy crist 20 June 2009 at 10:46 pm

3.7 apy and yield for 5 year jumbo (80,0000 min) at ESB Bank. see rate listed on their website

Randy 19 June 2009 at 11:35 pm

Robins Federal Credit Union is offering a 1 year CD Annual Percentage Yield is accurate as of June 18, 2009. Share Certificates & IRA Share Certificates Term Amounts Dividend Rate APY* 6 month $500 - $49,999.99 1.982% 2.000% 12 month $500 - $49,999.99 2.472% 2.500%

Ronn 18 June 2009 at 2:24 pm

Look at the rates for Quantum National Bank in Suwanee, GA! They are higher than the rates posted here!