RSS Feeds
Facebook
GRS TwitterHighest CD (Certificates of Deposit) Rates - Updated DAILY
Keeping track of the highest Certificate of Deposit (CD) rates at banks by yourself is nearly impossible. I know because I tried it for a long while with my list of the Best CD Rates. But in the end it simply took too much time and I could never stay on top of the constant rate changes.
The information below is collected every day from over 200 banks, and the top 50 earning CD rates are displayed, making the job of finding the highest cd rates much easier. I thought this tool was great so now I've replaced my hand-updated list of CD rates with this table. If you want to be more specific in your search, you can change the term (period of months or years) using the drop down, and the list will automatically update. CD Interest Rates change by the length of the term, so you may be able to find higher rates by searching for a different term - the general rule is the longer the term the higher the rate. Just remember if you put your money in a CD you won't be able to access that cash for the entire term.
You can also compare these rates with savings account & money market rates.
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Country Bank Rates as of Mar. 19th | 6 month | 1.74% | 1.75% | $1,000 | Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit |
| Alerus Financial Rates as of Mar. 19th | 6 month | 1.56% | $1,000 | Alerus Life CD - Alerus Life checking account with auto deposit or withdrawal required. Minimum deposit of $1,000. Automatic renewal after six months. Must be age 50 or better. | |
| Crossroads Bank Rates as of Mar. 19th | 6 month | 1.50% | 1.51% | $1,000 | |
| Country Bank Rates as of Mar. 19th | 6 month | 1.49% | 1.50% | $500 | |
| Geddes Federal Savings and Loan Association Rates as of Mar. 19th | 6 month | 1.40% | 1.40% | $500 | Central New York market area only |
| State Bank of India Rates as of Mar. 19th | 6 month | 1.31% | $5,000 | ||
| NOVA Bank Rates as of Mar. 19th | 6 month | 1.29% | 1.30% | $500 | Fixed Rate |
| Aurora Bank FSB Rates as of Mar. 19th | 6 month | 1.29% | 1.30% | $1,000 | Rates effective on balances up to $4,999 |
| Nexity Bank Rates as of Mar. 19th | 6 month | 1.29% | $1,000 | ||
| Weymouth Bank Rates as of Mar. 19th | 6 month | 1.25% | 1.28% | $5,000 | Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area |
| New Dominion Bank Rates as of Mar. 19th | 6 month | 1.25% | 1.26% | $3,000 | Fixed Rate CD |
| Interstate Net Bank Rates as of Mar. 19th | 6 month | 1.25% | 1.26% | $1,000 | |
| OneWest Bank Rates as of Mar. 19th | 6 month | 1.24% | 1.25% | $1,000 | Branch and Call Center CD Rates |
| AmTrust Direct Rates as of Mar. 19th | 6 month | 1.24% | 1.25% | $1,000 | |
| Ally Bank Rates as of Mar. 19th | 6 month | 1.24% | 1.25% | $1 | High-Yield CD |
| Doral Bank Direct Rates as of Mar. 19th | 6 month | 1.24% | 1.25% | $1,000 | |
| Community Bank of Pickens County Rates as of Mar. 19th | 6 month | 1.25% | $500 | Rate for balances under $50,000, account available to local Georgia market area, must open account in person | |
| Geauga Savings Bank Rates as of Mar. 19th | 6 month | 1.25% | 1.25% | $1,000 | Local funds only, contact retail offices in Ohio |
| Earthstar Bank Rates as of Mar. 19th | 6 month | 1.24% | 1.25% | $500 | New money only |
| Presidential Bank Rates as of Mar. 19th | 6 month | 1.25% | $1,000 | 182 day term, Internet CD | |
| Hillcrest Bank Rates as of Mar. 19th | 6 month | 1.19% | 1.20% | $1,000 | |
| The Jacksonville Bank Rates as of Mar. 19th | 6 month | 1.19% | 1.20% | $1,000 | Rates and terms specific to accounts opened online |
| Sterling Bank Rates as of Mar. 19th | 6 month | 1.14% | 1.15% | $500 | CD - 182 days (www.sterlingnj.com) |
| OneWest Bank Rates as of Mar. 19th | 6 month | 1.14% | 1.15% | $5,000 | Online CD |
| Hudson City Rates as of Mar. 19th | 6 month | 1.15% | 1.15% | $500 | Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT. |
| Ascencia Bank Rates as of Mar. 19th | 6 month | 1.10% | 1.11% | $500 | |
| Giantbank Rates as of Mar. 19th | 6 month | 1.10% | 1.11% | $2,500 | Giant Personal CD |
| Watertown Savings Bank Rates as of Mar. 19th | 6 month | 1.08% | 1.10% | $500 | Limited to Jefferson County in New York |
| Nationwide Bank Rates as of Mar. 19th | 6 month | 1.05% | $500 | ||
| Transportation Alliance Bank Rates as of Mar. 19th | 6 month | 1.04% | 1.05% | $1,000 | |
| Ultima Bank Rates as of Mar. 19th | 6 month | 1.05% | 1.05% | $1,000 | |
| AIG Bank Rates as of Mar. 19th | 6 month | 1.00% | 1.01% | $2,500 | High Yield CD - FDIC insured with no market risk. Open an account online or by phone! |
| First Dakota National Bank Rates as of Mar. 19th | 6 month | 1.00% | 1.00% | $1,000 | |
| Bank of Internet Rates as of Mar. 19th | 6 month | 0.99% | 1.00% | $1,000 | Term 6 to 11 months |
| Atlantic Coast Bank Rates as of Mar. 19th | 6 month | 1.00% | 1.00% | $1,000 | iCertificate of Deposit |
| H&R Block Bank Rates as of Mar. 19th | 6 month | 1.00% | 1.00% | $250 | |
| Third Federal S&L Rates as of Mar. 19th | 6 month | 1.00% | $500 | ||
| Acacia Federal Savings Bank Rates as of Mar. 19th | 6 month | 0.90% | 0.90% | $500 | Rates effective 03/22/2010 |
| EverBank Rates as of Mar. 19th | 6 month | 0.90% | 0.90% | $1,500 | Yield Pledge CD |
| Discover Bank Rates as of Mar. 19th | 6 month | 0.90% | 0.90% | $2,500 | |
| Intervest National Bank Rates as of Mar. 19th | 6 month | 0.85% | 0.85% | $2,500 | |
| Tompkins Trust Company Rates as of Mar. 19th | 6 month | 0.85% | $1,000 | 6 - 8 month CD, limited to local New York market area | |
| Sterling Bank and Trust Rates as of Mar. 19th | 6 month | 0.80% | $500 | eCD - APY's may vary by state | |
| Weymouth Bank Rates as of Mar. 19th | 6 month | 0.75% | 0.76% | $5,000 | Regular CD - South Shore Massachusetts market area |
| American Bank Rates as of Mar. 19th | 6 month | 0.75% | 0.75% | $1,000 | Located in TX, Fixed Rate-Money Market CD with limited check writing privileges. |
| First Internet Bank Rates as of Mar. 19th | 6 month | 0.75% | 0.75% | $1,000 | |
| Fulton Bank Rates as of Mar. 19th | 6 month | 0.75% | 0.75% | $500 | Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location |
| Tennessee Commerce Bank Rates as of Mar. 19th | 6 month | 0.75% | 0.75% | $2,500 | |
| ING Direct Rates as of Mar. 19th | 6 month | 0.75% | $1 | Orange CD | |
| Silvergate Bank Rates as of Mar. 19th | 6 month | 0.65% | 0.65% | $2,500 | Rate for balances up to $99,999 |
| Astoria Federal Savings Bank Rates as of Mar. 19th | 6 month | 0.60% | 0.60% | $500 | |
| Washington Federal Bank for Savings Rates as of Mar. 19th | 6 month | 0.50% | 0.50% | $1,000 | |
| HSBC Direct Rates as of Mar. 19th | 6 month | 0.40% | $10 | Online only |
High-yield savings accounts are great. They allow you to set aside money in a safe place to earn a respectable return. But did you know you could save even more by using certificates of deposit?
Certificates of deposit (often simply called CDs) are time deposits. You give your money to a bank and then promise not to touch it for a specific length of time. In general, the longer you agree to let the bank keep your money, the higher the interest rate you’ll receive. And the best CD rates generally pay more interest than you can earn in a savings account.
Have you been able to find CD rates that are even better than the ones listed here? If so, please let us know. Don’t forget to include all the details: name of the bank, state, rate, when you opened this account with this rate and whether one can you open an account online or have to come in person. I’d like to find the best CD rates to share with Get Rich Slowly readers.
This article is about Administration
[There are 9 comments on this post.]
L would lke to invest 10,000 in a c.d. @ 3.50% please give me directions on how to do this.
Leonard Landingham
Hey JD - the ‘go’ or ‘find’ or whatever button it is to activate this feature (CD rate finder) is hidden by the size of the box/banner on this page. It takes some finagling to find it.
I have found that professional credit unions have higher jumbo cd rates than banks. All you must do is open an account for 10.00 in order to qualify for savings accounts or car loans or whatever. I did that several years ago and financed a car. Then the account just sat there for years. Last January I took out a one year jumbo cd at 3.00%. That was better than I could find anywhere, and I really looked.
JD –
I haven’t visited in a while, but the site looks fantastic. I love the redesign.
And your CD rates are more up-to-date than Bankrate’s. Nice work.
Brokers are offering higher CD rates well above the norm. The initial investment is a little steep per say..25k-100k
HI..I have $46000.00 invested in a CD(yearly). It was paying 3.33%, that is until my FCU notified me that the rate was dropping to 1.33%…I thought that was rediculous, so I pulled it out and put in with my other funds(23K) that are in a regular IRA. That IRA is not paying very much. I retired from civil service 4 years ago and my savings were tax deferred. I put most of my savings into a CD at the time and the smaller portion into an IRA in case I needed funds. I would like to invest this $46k, but am very skeptical as I’m 68 and don’t want to loose it to bad investments. Would an Roth IRA be beneficial. I never had a Roth IRA. My wife and I basically live of our SS, a retirement from the military and a small retirement from civil service. I appreciate your comments….Mike
Penfed will pay I believe 3.50 for a five year CD ,they call them a certificate .Or 3.75 for seven years.
I use a program from mint.com which allows you to enter the details on your current savings, CD, bank account, credit card, brokerage house, or whatever have you and it will bring up a list showing you where you can get a better deal for your money, whether its a bank with a higher APY, or lower fees. It’s one of my favorite tools to use, and I’d recommend it if you’re trying to find the peak return for your money.
You can get better rates than this (2%) on a savings account at smartypig.com
ING Direct, Emigrant Direct, and Ally offer savings rate comparable to most CDs without having to tie your money up.
Also, check local credit unions for “new member” CD rates. Patelco in CA http://www.patelco.org has a special 5-7% rate on a $1,000 CD for new members. Becoming a member is really simple.