Account, APY*, Min. deposit, Early withdrawal penalty ; BMO Alto 5-Year CD, 4.00%, $0, 180 days interest ; First Internet Bank 5-Year CD, 3.67%, $1,000, 360 days interest ; Popular Direct 5-Year CD, 3.25%, $10,000, Up to 730 days interest ; Quontic 5-Year CD, 3.00%, $500, Two years interest ; Bread Savings 5-Year CD, 3.50%, $1,500, 365 days interest ; Marcus 5-Year CD, 3.60%, $500, 180 days interest ; Alliant Credit Union 5-Year CD, 3.65%, $1,000, Up to 180 days interest ; Capital One 5-Year CD, 3.50%, $0, Six months interest ; Ally Bank 5-Year CD, 3.50%, $0, 150 days interest ; Discover® 5-Year CD, 3.40%, None, 18 months interest ; Barclays 5-Year CD, 3.25%, $0, 180 days interest
You could get 5% APY or more with the best credit union CD rates from our top-rates picks, including American Airlines, Navy Federal and America First.
Discover the best CDs for secure savings growth. Compare rates and terms, and find the top options from online banks and credit unions right now.
Currently, a good CD rate is one that exceeds the national average. However, rates can fluctuate over time. Here’s how to ensure you’re getting the best rate possible.
Institution, APY, Minimum Deposit, Early withdrawal penalty ; First Internet Bank, 4.85%, $1,000, 360 days interest ; Popular Direct, 4.80%, $10,000, Up to 730 days interest ; Bread Savings, 4.40%, $1,500, 180 days interest ; Quontic Bank, 3.85%, $500, Two years interest ; Alliant Credit Union, 4.40%, $1,000, Up to 180 days interest ; Barclays, 3.00%, $0, 90 days interest ; Marcus, 4.40%, $500, 180 days interest ; PenFed Credit Union, 4.30%, $1,000, 365 days interest or 30% of the gross interest amount at maturity ; Rising Bank, 3.20%, $1,000, 180 days interest early withdrawal fees ; Discover, 4.00%, None, 6 months interest ; American Express, 4.00%, $0, 270 days interest
Find the best CD rates by comparing national and local rates. Bankrate compares thousands of financial institutions to make it easy for you to apply for the best certificate of deposit rate.
Title, APY*, Min. deposit, Early withdrawal penalty fees ; TotalDirectBank, 5.56%, $25,000, One month of interest ; Merrick Bank, 5.45%, $25,000, 90 days interest ; iGObanking, 5.35%, $1,000, Three months interest ; Popular Direct, 4.40%, $10,000, 89 days interest ; NexBank, 4.80%, $10,000, One month of interest ; Wells Fargo, 4.50%, $2,500, Three months interest ; Alliant Credit Union, 4.25%, $1,000, Up to 90 days interest ; First Internet Bank, 4.18%, $1,000, 90 days interest ; EverBank, 3.95%, $1,000, 22 days interest ; Live Oak, 3.00%, $2,500, 90 days interest
Title, APY*, Min. deposit, Fees ; Popular Direct, 4.80%, $10,000, Up to 730 days interest early withdrawl penalty fees ; Bank5, 5.50%, $500, 3 months interest early withdrawal penalty fees ; Rising Bank, 4.00%, $1,000, 90 days interest early withdrawal fee ; Bask Bank, 5.35%, $1,000, 90 days interest early penalty fees ; TAB, 5.27%, $1,000, 90 days interest early withdrawal fees ; Synchrony Bank, 5.25%, $0, 90 days interest early withdrawal penalty fees ; First Internet Bank, 5.22%, $1,000, 180 days interest early withdrawal penalty fees ; Vio Bank, 5.15%, $500, 1% of the amount withdrawn, plus a $25 early withdrawal penalty fees ; Quontic 6-Month CD, 4.45%, $500, One year of interests ; CIT Bank 6-Month CD, 3.00%, $1,000, Three months interest early withdrawal penalty fees
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