Best CD rates (October 2026)

We may earn a commission if you open an account through links on this page. It never changes which offers we list or how we rank them. Full disclosure

Rates as of October 20, 2026. CD rates are locked when you open and fund the account, but advertised rates can change before then.

FDIC insures deposits at banks, and the NCUA insures deposits at federal credit unions and most state credit unions. Both cover up to $250,000 per depositor, per institution, per ownership category. Accounts marked "via partner bank" are held at an FDIC-insured partner bank, not the app itself.

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State filters show banks and credit unions with branches there. Online banks and credit unions marked "Open nationwide" accept customers in every state.

Bank	Rate	Term	Minimum	Early withdrawal penalty	Link
Raymond James Bank5 years CD FDICOnline bankOpen nationwide	5.25% APY National average: 1.38%	5 years	$1,000	See bank terms	Visit Raymond James Bank Seen on CDValet
Popular Direct5 years CD FDICOnline bankOpen nationwide	5.00% APY National average: 1.38%	5 years	$10,000	See bank terms	Visit Popular Direct Seen on Popular Direct
Quorum Federal Credit Union4 years CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	5.00% APY National average: 1.28%	4 years	$100	See bank terms	Visit Quorum Federal Credit Union Seen on Bankrate
Quorum Federal Credit Union5 years CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	5.00% APY National average: 1.38%	5 years	$100	See bank terms	Visit Quorum Federal Credit Union Seen on Bankrate
Popular Direct4 years CD FDICOnline bankOpen nationwide	4.95% APY National average: 1.28%	4 years	$10,000	See bank terms	Visit Popular Direct Seen on Popular Direct
Quorum Federal Credit Union3 years CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	4.90% APY National average: 1.36%	3 years	$100	See bank terms	Visit Quorum Federal Credit Union Seen on Bankrate
Popular Direct3 years CD FDICOnline bankOpen nationwide	4.85% APY National average: 1.36%	3 years	$10,000	See bank terms	Visit Popular Direct Seen on Popular Direct
Bread Savings18 months CD FDICOnline bankOpen nationwide	4.85% APY	18 months	$1,500	See bank terms	Visit Bread Savings Seen on WalletHub
Popular Direct2 years CD FDICOnline bankOpen nationwide	4.80% APY National average: 1.61%	2 years	$10,000	See bank terms	Visit Popular Direct Seen on Popular Direct
Happen Bank2 years CD FDICOnline bankOpen nationwide	4.76% APY National average: 1.61%	2 years	$500	See bank terms	Visit Happen Bank Seen on Forbes Advisor
*ETRADE**1 year CD FDICOnline bankOpen nationwide	4.75% APY National average: 1.73%	1 year	$500	See bank terms	Visit E*TRADE Seen on CDValet
Popular Direct1 year CD FDICOnline bankOpen nationwide	4.60% APY National average: 1.73%	1 year	$10,000	See bank terms	Visit Popular Direct Seen on Popular Direct
Barclays1 year CD FDICOnline bankOpen nationwide	4.50% APY National average: 1.73%	1 year	$0	See bank terms	Visit Barclays Seen on Forbes Advisor
Quorum Federal Credit Union1 year CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	4.50% APY National average: 1.73%	1 year	$100	See bank terms	Visit Quorum Federal Credit Union Seen on Bankrate
Suncoast Credit Union18 months CD NCUACredit unionWho can join: People who live, work, worship or attend school in listed Florida countiesBranches in: Florida, East Coast	4.50% APY	18 months	$500	See bank terms	Visit Suncoast Credit Union Seen on Hans Goldstein
America First Credit Union2 years CD NCUACredit unionWho can join: Mostly residents of AZ, ID, NV, NM, OR, UT and WA	4.50% APY National average: 1.61%	2 years	$500	See bank terms	Visit America First Credit Union Seen on Bankrate
America First Credit Union5 years CD NCUACredit unionWho can join: Mostly residents of AZ, ID, NV, NM, OR, UT and WA	4.50% APY National average: 1.38%	5 years	$500	See bank terms	Visit America First Credit Union Seen on Bankrate
Mountain America Credit Union2 years CD NCUACredit unionWho can join: Mainly residents of certain Utah counties	4.50% APY National average: 1.61%	2 years	$500	See bank terms	Visit Mountain America Credit Union Seen on Bankrate
Mountain America Credit Union5 years CD NCUACredit unionWho can join: Mainly residents of certain Utah counties	4.50% APY National average: 1.38%	5 years	$500	See bank terms	Visit Mountain America Credit Union Seen on Bankrate
EagleBank1 year CD FDICOnline bankOpen nationwide	4.45% APY National average: 1.73%	1 year	$1,000	See bank terms	Visit EagleBank Seen on WalletHub
American Express10 months CD FDICOnline bankOpen nationwide	4.40% APY National average: 1.73%	10 months	$0	See bank terms	Visit American Express Seen on Fortune
Synchrony Bank13 months CD FDICOnline bankOpen nationwide	4.40% APY National average: 1.73%	13 months	$0	180 days of simple interest	Visit Synchrony Bank Seen on Forbes Advisor
Sallie Mae Bank1 year CD FDICOnline bankOpen nationwide	4.40% APY National average: 1.73%	1 year	$2,500	See bank terms	Visit Sallie Mae Bank Seen on Forbes Advisor
Marcus by Goldman Sachs1 year CD FDICOnline bankOpen nationwide	4.40% APY National average: 1.73%	1 year	$500	See bank terms	Visit Marcus by Goldman Sachs Seen on Marcus
Marcus by Goldman Sachs18 months CD FDICOnline bankOpen nationwide	4.40% APY	18 months	$500	See bank terms	Visit Marcus by Goldman Sachs Seen on Marcus
Marcus by Goldman Sachs2 years CD FDICOnline bankOpen nationwide	4.40% APY National average: 1.61%	2 years	$500	See bank terms	Visit Marcus by Goldman Sachs Seen on Marcus
Marcus by Goldman Sachs3 years CD FDICOnline bankOpen nationwide	4.40% APY National average: 1.36%	3 years	$500	See bank terms	Visit Marcus by Goldman Sachs Seen on Marcus
Marcus by Goldman Sachs5 years CD FDICOnline bankOpen nationwide	4.40% APY National average: 1.38%	5 years	$500	See bank terms	Visit Marcus by Goldman Sachs Seen on Marcus
Capital One11 months CD FDICBig bankBranches in: New York, East Coast	4.40% APY National average: 1.73%	11 months	$0	3 months of interest	Visit Capital One Seen on Forbes Advisor
Quorum Federal Credit Union6 months CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	4.40% APY National average: 1.41%	6 months	$100	See bank terms	Visit Quorum Federal Credit Union Seen on Bankrate
Citizens Bank10 months CD FDICBig bankBranches in: New York, East Coast	4.40% APY National average: 1.73%	10 months	$25,000	See bank terms Online CD with Citizens checking, new money only. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Citizens Bank Seen on DepositAccounts
Popular Direct6 months CD FDICOnline bankOpen nationwide	4.35% APY National average: 1.41%	6 months	$10,000	See bank terms	Visit Popular Direct Seen on Popular Direct
Marcus by Goldman Sachs9 months CD FDICOnline bankOpen nationwide	4.30% APY National average: 1.41%	9 months	$500	See bank terms	Visit Marcus by Goldman Sachs Seen on Marcus
DR Bank6 months CD FDICOnline bankOpen nationwide	4.30% APY National average: 1.41%	6 months	$500	See bank terms	Visit DR Bank Seen on WalletHub
Connexus Credit Union17 months CD NCUACredit unionWho can join: Anyone can join with a one-time $5 donationOpen nationwide	4.30% APY	17 months	$5,000	See bank terms 17-month special certificate.	Visit Connexus Credit Union Seen on Bankrate
Alliant Credit Union1 year CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	4.30% APY National average: 1.73%	1 year	$1,000	See bank terms	Visit Alliant Credit Union Seen on Bankrate
Flagstar Bank1 year CD FDICBig bankBranches in: New York, East Coast	4.30% APY National average: 1.73%	1 year	$500	See bank terms CD special, new money only.	Visit Flagstar Bank Seen on DepositAccounts
State Employees' Credit Union18 months CD NCUACredit unionWho can join: North Carolina state employees, related public groups and their familiesBranches in: East Coast	4.30% APY	18 months	$250	See bank terms	Visit State Employees' Credit Union Seen on DepositAccounts
State Employees' Credit Union2 years CD NCUACredit unionWho can join: North Carolina state employees, related public groups and their familiesBranches in: East Coast	4.30% APY National average: 1.61%	2 years	$250	See bank terms	Visit State Employees' Credit Union Seen on DepositAccounts
Ally Bank18 months CD FDICOnline bankOpen nationwide	4.25% APY	18 months	See terms	See bank terms	Visit Ally Bank Seen on DepositAccounts
Citibank1 year CD FDICBig bankBranches in: Florida, New York, California, East Coast	4.25% APY National average: 1.73%	1 year	$500	See bank terms	Visit Citibank Seen on Fortune
PNC Bank13 months CD FDICBig bankBranches in: Florida, East Coast	4.25% APY National average: 1.73%	13 months	$1,000	See bank terms Promotional rate; varies by ZIP code. Renews at the standard rate.	Visit PNC Bank Seen on Hans Goldstein
Suncoast Credit Union3 years CD NCUACredit unionWho can join: People who live, work, worship or attend school in listed Florida countiesBranches in: Florida, East Coast	4.25% APY National average: 1.36%	3 years	$500	See bank terms	Visit Suncoast Credit Union Seen on Hans Goldstein
Citizens Bank5 months CD FDICBig bankBranches in: New York, East Coast	4.25% APY National average: 1.41%	5 months	$25,000	See bank terms Online CD with Citizens checking, new money only.	Visit Citizens Bank Seen on DepositAccounts
Flagstar Bank18 months CD FDICBig bankBranches in: New York, East Coast	4.25% APY	18 months	$500	See bank terms CD special, new money only.	Visit Flagstar Bank Seen on DepositAccounts
Flagstar Bank2 years CD FDICBig bankBranches in: New York, East Coast	4.25% APY National average: 1.61%	2 years	$500	See bank terms CD special, new money only.	Visit Flagstar Bank Seen on DepositAccounts
Ally Bank1 year CD FDICOnline bankOpen nationwide	4.15% APY National average: 1.73%	1 year	See terms	See bank terms	Visit Ally Bank Seen on DepositAccounts
FourLeaf Federal Credit Union5 years CD NCUACredit unionWho can join: Anyone, with a $5 share accountBranches in: New York	4.15% APY National average: 1.38%	5 years	$50	See bank terms Formerly Bethpage FCU.	Visit FourLeaf Federal Credit Union Seen on DepositAccounts
VyStar Credit Union30 months CD NCUACredit unionWho can join: People who live or work in listed Florida and Georgia counties, and their familiesBranches in: Florida, East Coast	4.15% APY National average: 1.61%	30 months	$50,000	See bank terms Best rate at $50,000+; smaller balances earn less.	Visit VyStar Credit Union Seen on DepositAccounts
Ally Bank5 years CD FDICOnline bankOpen nationwide	4.10% APY National average: 1.38%	5 years	See terms	See bank terms	Visit Ally Bank Seen on DepositAccounts
Navy Federal Credit Union3 years CD NCUACredit unionWho can join: Military, veterans, Defense Department employees and their familiesOpen nationwide	4.10% APY National average: 1.36%	3 years	$1,000	See bank terms	Visit Navy Federal Credit Union Seen on Bankrate
SchoolsFirst Federal Credit Union5 years CD NCUACredit unionWho can join: Mostly California school employees and their familiesBranches in: California	4.10% APY National average: 1.38%	5 years	$500	See bank terms	Visit SchoolsFirst Federal Credit Union Seen on Bankrate
Huntington Bank5 months CD FDICBig bank	4.10% APY National average: 1.41%	5 months	$1,000	See bank terms 5-month CD special. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Huntington Bank Seen on DepositAccounts
Valley Bank6 months CD FDICBig bankBranches in: Florida, New York, East Coast	4.10% APY National average: 1.41%	6 months	$500	See bank terms CD special, new money only.	Visit Valley Bank Seen on DepositAccounts
Flagstar Bank6 months CD FDICBig bankBranches in: New York, East Coast	4.10% APY National average: 1.41%	6 months	$2,500	See bank terms CD special, new money only.	Visit Flagstar Bank Seen on DepositAccounts
Navy Federal Credit Union1 year CD NCUACredit unionWho can join: Military, veterans, Defense Department employees and their familiesOpen nationwide	4.05% APY National average: 1.73%	1 year	$1,000	See bank terms	Visit Navy Federal Credit Union Seen on Bankrate
Ally Bank3 years CD FDICOnline bankOpen nationwide	4.00% APY National average: 1.36%	3 years	See terms	See bank terms	Visit Ally Bank Seen on DepositAccounts
Ally Bank9 months CD FDICOnline bankOpen nationwide	4.00% APY National average: 1.41%	9 months	See terms	See bank terms	Visit Ally Bank Seen on DepositAccounts
Citizens Access8 months CD FDICOnline bankOpen nationwide	4.00% APY National average: 1.41%	8 months	$5,000	See bank terms	Visit Citizens Access Seen on DepositAccounts
M&T Bank18 months CD FDICBig bankBranches in: New York, East Coast	4.00% APY	18 months	$1,000	See bank terms M&T Select CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit M&T Bank Seen on DepositAccounts
State Employees' Credit Union1 year CD NCUACredit unionWho can join: North Carolina state employees, related public groups and their familiesBranches in: East Coast	4.00% APY National average: 1.73%	1 year	$250	See bank terms	Visit State Employees' Credit Union Seen on DepositAccounts
State Employees' Credit Union5 years CD NCUACredit unionWho can join: North Carolina state employees, related public groups and their familiesBranches in: East Coast	4.00% APY National average: 1.38%	5 years	$250	See bank terms	Visit State Employees' Credit Union Seen on DepositAccounts
FourLeaf Federal Credit Union13 months CD NCUACredit unionWho can join: Anyone, with a $5 share accountBranches in: New York	4.00% APY National average: 1.73%	13 months	$50	See bank terms Formerly Bethpage FCU.	Visit FourLeaf Federal Credit Union Seen on DepositAccounts
Suncoast Credit Union5 years CD NCUACredit unionWho can join: People who live, work, worship or attend school in listed Florida countiesBranches in: Florida, East Coast	4.00% APY National average: 1.38%	5 years	$100,000	See bank terms Jumbo certificate; $500 minimum earns 3.75%.	Visit Suncoast Credit Union Seen on DepositAccounts
Wells Fargo11 months CD FDICBig bankBranches in: Florida, New York, California, East Coast	3.99% APY National average: 1.73%	11 months	$5,000	See bank terms 4.25% APY with a linked Prime, Premier or Private Bank checking account.	Visit Wells Fargo Seen on Fortune
Marcus by Goldman Sachs6 months CD FDICOnline bankOpen nationwide	3.95% APY National average: 1.41%	6 months	$500	See bank terms	Visit Marcus by Goldman Sachs Seen on Marcus
SchoolsFirst Federal Credit Union1 year CD NCUACredit unionWho can join: Mostly California school employees and their familiesBranches in: California	3.95% APY National average: 1.73%	1 year	$500	See bank terms	Visit SchoolsFirst Federal Credit Union Seen on Bankrate
Ally Bank6 months CD FDICOnline bankOpen nationwide	3.85% APY National average: 1.41%	6 months	See terms	See bank terms	Visit Ally Bank Seen on DepositAccounts
Santander Bank10 months CD FDICBig bankBranches in: New York, East Coast	3.85% APY National average: 1.73%	10 months	$500	See bank terms Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Santander Bank Seen on DepositAccounts
Santander Bank14 months CD FDICBig bankBranches in: New York, East Coast	3.85% APY National average: 1.73%	14 months	$500	See bank terms Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Santander Bank Seen on DepositAccounts
State Employees' Credit Union6 months CD NCUACredit unionWho can join: North Carolina state employees, related public groups and their familiesBranches in: East Coast	3.85% APY National average: 1.41%	6 months	$250	See bank terms	Visit State Employees' Credit Union Seen on DepositAccounts
PNC Bank7 months CD FDICBig bankBranches in: Florida, East Coast	3.75% APY National average: 1.41%	7 months	$1,000	See bank terms Promotional rate; varies by ZIP code.	Visit PNC Bank Seen on Hans Goldstein
Bank of America7 months CD FDICBig bankBranches in: Florida, New York, California, East Coast	3.75% APY National average: 1.41%	7 months	$1,000	See bank terms Featured CD. 4.00% APY on $100,000 or more.	Visit Bank of America Seen on Fortune
KeyBank1 year CD FDICBig bankBranches in: New York, East Coast	3.75% APY National average: 1.73%	1 year	$10,000	See bank terms Relationship special; 3.50% on $2,500–$9,999. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit KeyBank Seen on DepositAccounts
KeyBank23 months CD FDICBig bankBranches in: New York, East Coast	3.75% APY National average: 1.61%	23 months	$10,000	See bank terms 23-month relationship special. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit KeyBank Seen on DepositAccounts
Suncoast Credit Union1 year CD NCUACredit unionWho can join: People who live, work, worship or attend school in listed Florida countiesBranches in: Florida, East Coast	3.70% APY National average: 1.73%	1 year	$50	See bank terms Smart Start certificate.	Visit Suncoast Credit Union Seen on DepositAccounts
VyStar Credit Union1 year CD NCUACredit unionWho can join: People who live or work in listed Florida and Georgia counties, and their familiesBranches in: Florida, East Coast	3.70% APY National average: 1.73%	1 year	$50,000	See bank terms Best rate at $50,000+; smaller balances earn less.	Visit VyStar Credit Union Seen on DepositAccounts
Regions Bank11 months CD FDICBig bankBranches in: Florida, East Coast	3.66% APY National average: 1.73%	11 months	$500	See bank terms Promotional relationship CD (requires a Regions checking account). Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Regions Bank Seen on DepositAccounts
Regions Bank17 months CD FDICBig bankBranches in: Florida, East Coast	3.66% APY	17 months	$500	See bank terms Promotional relationship CD (requires a Regions checking account). Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Regions Bank Seen on DepositAccounts
Golden 1 Credit Union5 years CD NCUACredit unionWho can join: People who live or work in California, and their familiesBranches in: California	3.55% APY National average: 1.38%	5 years	$500	See bank terms	Visit Golden 1 Credit Union Seen on DepositAccounts
TD Bank9 months CD FDICBig bankBranches in: Florida, New York, East Coast	3.51% APY National average: 1.41%	9 months	$250	See bank terms 9-month TD Choice promotional CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit TD Bank Seen on DepositAccounts
Chase8 months CD FDICBig bankBranches in: Florida, New York, California, East Coast	3.50% APY National average: 1.41%	8 months	$1,000	See bank terms Featured CD. 4.00% APY on $100,000 or more.	Visit Chase Seen on Fortune
PenFed Credit Union5 years CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	3.50% APY National average: 1.38%	5 years	$1,000	See bank terms	Visit PenFed Credit Union Seen on Hans Goldstein
Patelco Credit Union5 years CD NCUACredit unionWho can join: Anyone can join through a partner association (first-year fee paid)Branches in: California	3.50% APY National average: 1.38%	5 years	$250	See bank terms	Visit Patelco Credit Union Seen on Bankrate
First Tech Federal Credit Union1 year CD NCUACredit unionWho can join: Anyone can join through an affiliated organizationBranches in: California	3.50% APY National average: 1.73%	1 year	$500	See bank terms	Visit First Tech Federal Credit Union Seen on Bankrate
Fifth Third Bank2 years CD FDICBig bankBranches in: Florida, East Coast	3.50% APY National average: 1.61%	2 years	$5,000	See bank terms 24-month promo CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Fifth Third Bank Seen on DepositAccounts
Regions Bank6 months CD FDICBig bankBranches in: Florida, East Coast	3.50% APY National average: 1.41%	6 months	$500	See bank terms Promotional relationship CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Regions Bank Seen on DepositAccounts
M&T Bank6 months CD FDICBig bankBranches in: New York, East Coast	3.50% APY National average: 1.41%	6 months	$1	See bank terms M&T Select CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit M&T Bank Seen on DepositAccounts
Valley Bank1 year CD FDICBig bankBranches in: Florida, New York, East Coast	3.50% APY National average: 1.73%	1 year	$500	See bank terms	Visit Valley Bank Seen on DepositAccounts
Digital Federal Credit Union (DCU)1 year CD NCUACredit unionWho can join: Anyone, through a partner organization; also MA and GA residents in listed areasBranches in: East Coast	3.50% APY National average: 1.73%	1 year	$500	See bank terms 3.75% APY on $25,000 or more.	Visit Digital Federal Credit Union (DCU)Seen on DepositAccounts
Digital Federal Credit Union (DCU)18 months CD NCUACredit unionWho can join: Anyone, through a partner organization; also MA and GA residents in listed areasBranches in: East Coast	3.50% APY	18 months	$500	See bank terms 3.75% APY on $25,000 or more.	Visit Digital Federal Credit Union (DCU)Seen on DepositAccounts
Fifth Third Bank13 months CD FDICBig bankBranches in: Florida, East Coast	3.40% APY National average: 1.73%	13 months	$5,000	See bank terms 13-month promo CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Fifth Third Bank Seen on DepositAccounts
BMO59 months CD FDICBig bankBranches in: California	3.35% APY National average: 1.38%	59 months	$1,000	See bank terms 59-month CD special. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit BMO Seen on DepositAccounts
Golden 1 Credit Union3 years CD NCUACredit unionWho can join: People who live or work in California, and their familiesBranches in: California	3.35% APY National average: 1.36%	3 years	$500	See bank terms	Visit Golden 1 Credit Union Seen on DepositAccounts
U.S. Bank6 months CD FDICBig bankBranches in: California	3.25% APY National average: 1.41%	6 months	$1,000	See bank terms CD special for new CD customers; varies by ZIP code. Renews at the standard rate.	Visit U.S. Bank Seen on Hans Goldstein
TD Bank1 year CD FDICBig bankBranches in: Florida, New York, East Coast	3.25% APY National average: 1.73%	1 year	$250	See bank terms TD Choice promotional CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit TD Bank Seen on DepositAccounts
Valley Bank2 years CD FDICBig bankBranches in: Florida, New York, East Coast	3.25% APY National average: 1.61%	2 years	$500	See bank terms	Visit Valley Bank Seen on DepositAccounts
Digital Federal Credit Union (DCU)5 years CD NCUACredit unionWho can join: Anyone, through a partner organization; also MA and GA residents in listed areasBranches in: East Coast	3.25% APY National average: 1.38%	5 years	$500	See bank terms 3.50% APY on $25,000 or more.	Visit Digital Federal Credit Union (DCU)Seen on DepositAccounts
Golden 1 Credit Union2 years CD NCUACredit unionWho can join: People who live or work in California, and their familiesBranches in: California	3.25% APY National average: 1.61%	2 years	$500	See bank terms	Visit Golden 1 Credit Union Seen on DepositAccounts
PenFed Credit Union1 year CD NCUACredit unionWho can join: Anyone can joinOpen nationwide	3.20% APY National average: 1.73%	1 year	$1,000	See bank terms	Visit PenFed Credit Union Seen on Hans Goldstein
Fifth Third Bank7 months CD FDICBig bankBranches in: Florida, East Coast	3.20% APY National average: 1.41%	7 months	$5,000	See bank terms 7-month promo CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit Fifth Third Bank Seen on DepositAccounts
Valley Bank3 years CD FDICBig bankBranches in: Florida, New York, East Coast	3.20% APY National average: 1.36%	3 years	$500	See bank terms	Visit Valley Bank Seen on DepositAccounts
Golden 1 Credit Union1 year CD NCUACredit unionWho can join: People who live or work in California, and their familiesBranches in: California	3.20% APY National average: 1.73%	1 year	$500	See bank terms	Visit Golden 1 Credit Union Seen on DepositAccounts
Citizens Bank14 months CD FDICBig bankBranches in: New York, East Coast	3.10% APY National average: 1.73%	14 months	$1,000	See bank terms Online CD with Citizens checking.	Visit Citizens Bank Seen on DepositAccounts
Valley Bank4 years CD FDICBig bankBranches in: Florida, New York, East Coast	3.05% APY National average: 1.28%	4 years	$500	See bank terms	Visit Valley Bank Seen on DepositAccounts
Golden 1 Credit Union6 months CD NCUACredit unionWho can join: People who live or work in California, and their familiesBranches in: California	3.05% APY National average: 1.41%	6 months	$500	See bank terms	Visit Golden 1 Credit Union Seen on DepositAccounts
U.S. Bank1 year CD FDICBig bankBranches in: California	3.00% APY National average: 1.73%	1 year	$1,000	See bank terms CD special for new CD customers; varies by ZIP code.	Visit U.S. Bank Seen on Hans Goldstein
M&T Bank1 year CD FDICBig bankBranches in: New York, East Coast	3.00% APY National average: 1.73%	1 year	$1	See bank terms M&T Select CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit M&T Bank Seen on DepositAccounts
Apple Bank6 months CD FDICBig bankBranches in: New York	3.00% APY National average: 1.41%	6 months	$1,000	See bank terms	Visit Apple Bank Seen on DepositAccounts
Apple Bank1 year CD FDICBig bankBranches in: New York	3.00% APY National average: 1.73%	1 year	$1,000	See bank terms	Visit Apple Bank Seen on DepositAccounts
TD Bank18 months CD FDICBig bankBranches in: Florida, New York, East Coast	2.75% APY	18 months	$250	See bank terms TD Choice promotional CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit TD Bank Seen on DepositAccounts
TD Bank2 years CD FDICBig bankBranches in: Florida, New York, East Coast	2.50% APY National average: 1.61%	2 years	$250	See bank terms TD Choice promotional CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit TD Bank Seen on DepositAccounts
Huntington Bank9 months CD FDICBig bank	2.50% APY National average: 1.41%	9 months	$1,000	See bank terms 9-month CD special.	Visit Huntington Bank Seen on DepositAccounts
Apple Bank5 years CD FDICBig bankBranches in: New York	2.50% APY National average: 1.38%	5 years	$1,000	See bank terms	Visit Apple Bank Seen on DepositAccounts
TD Bank6 months CD FDICBig bankBranches in: Florida, New York, East Coast	2.00% APY National average: 1.41%	6 months	$250	See bank terms TD Choice promotional CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit TD Bank Seen on DepositAccounts
TD Bank5 years CD FDICBig bankBranches in: Florida, New York, East Coast	2.00% APY National average: 1.38%	5 years	$250	See bank terms TD Choice promotional CD. Rates vary by region; shown for the area nearest the bank's headquarters.	Visit TD Bank Seen on DepositAccounts
BMO1 year CD FDICBig bankBranches in: California	0.75% APY National average: 1.73%	1 year	$1,000	See bank terms Standard CD rate.	Visit BMO Seen on DepositAccounts
Huntington Bank1 year CD FDICBig bank	0.25% APY National average: 1.73%	1 year	$1,000	See bank terms Standard CD rate.	Visit Huntington Bank Seen on DepositAccounts
Truist1 year CD FDICBig bankBranches in: Florida, East Coast	0.05% APY National average: 1.73%	1 year	$1,000	See bank terms Standard rate; Truist lists no current CD specials.	Visit Truist Seen on Bankrate
Regions Bank5 years CD FDICBig bankBranches in: Florida, East Coast	0.05% APY National average: 1.38%	5 years	$500	See bank terms Standard relationship CD rate.	Visit Regions Bank Seen on DepositAccounts
KeyBank5 years CD FDICBig bankBranches in: New York, East Coast	0.05% APY National average: 1.38%	5 years	$2,500	See bank terms Standard CD rate.	Visit KeyBank Seen on DepositAccounts
Fifth Third Bank1 year CD FDICBig bankBranches in: Florida, East Coast	0.01% APY National average: 1.73%	1 year	$500	See bank terms Standard CD rate.	Visit Fifth Third Bank Seen on DepositAccounts

National averages are from the FDIC. Big-bank CD specials often vary by ZIP code and may require new money or a checking account. Credit union certificates require membership; see "Who can join." Confirm each institution's terms before you open a CD.

How to choose a CD

Pick the term by when you'll need the money, then take the best rate for that term. Longer CDs lock in today's rate if rates fall, but you'll pay a penalty, often several months of interest, to withdraw early.

CD ladders

Splitting your money across several terms, such as 1, 2 and 3 years, gives you regular access to part of it while keeping most of it at longer-term rates.

CDs versus high-yield savings

Savings rates can change any day; a CD's rate is fixed for the term. Right now the best savings rates are close to the best CD rates, so a CD mainly makes sense if you want to lock in a rate. Compare savings and money market rates.