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You are here: Home / CD Rates / Best CD Rates – Find & Compare CD Rates for January 2019

Best CD Rates – Find & Compare CD Rates for January 2019

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certificates-of-depositThose who are looking for the highest interest rates may want to consider opening a certificate of deposit(CD). If you want to park your money anywhere between 1 year to 5 year, banks and credit unions can offer much higher yields than a savings account.

However, not all CDs are the same. Below are the best national CD Rates for 6-month, 9-month, 1 year, 18-month, 2 year, 3 year, 4 year, and 5 year! Our exclusive list is the most up to date, best national CD rates table you will find on the net!
Synchrony Bank is offering one of the best competitive rates for their various CD terms. Synchrony Bank offers 3-Month CDs to 60-Months CDs from 0.75% APY to an impressive 3.10% APY! The minimum deposit to open an of the CD accounts is $2,000. Hurry and take advantage of these great CDs rates today! Apply Now--- Synchrony Bank CD Review
CIT BankCIT Bank is offering a competitive rate of 2.50% APY on a 12-Month CD term . To sign up with CIT Bank, you are only required to be at least 18 years old and be a U.S. citizen. In addition, be sure to have a check or bank account number to electronically transfer money into your new CD account. With a wide range of CD lengths, you get to choose which account fits you the best! If you are interested, then head over and sign up for a CD account to start earning! Sign Up Now--- CIT Bank CD Review
DiscoverDiscover Bank CD: Provides you a choices with the length of your CDs ranging from 3 months to 10 years. With 3 months you get to enjoy a 0.35% APY and if you choose the 10 year term you can enjoy 3.10% APY. Discover Bank provides you the best service and keeps you in mind, so sign up today for their Certificate of Deposit account! Apply Now---Discover Bank CD Review
Barclays 18 Month CD 1.50% APYBarclays is offering rates from 0.35% APY on 3-Month CD to 3.10% on 60-Month CD. The wide variety of CD lengths allows you to be in total control of your banking experience with Barclays, while also being able to enjoy great features such as no minimum balance at opening, interest that compounds daily, as well as no hidden fees whatsoever! Apply Now---Barclays CD Review
Editor’s Note: Rates are subject to change. Feel free to leave us a comment if you see any rates changed in any of the links below.

Looking for a specific term? See below for our list of the best CD rates in the following terms:

Best CD Accounts    
AccountMinimumAPY
CIT Bank
11-Month No-Penalty CD Account		$1,0002.05%
Open Account
Synchrony Bank
15-Month CD Account		$2,0002.85%
Open Account

Discover Bank
12-Month CD Account		$2,5002.65%
Open Account
BBVA Compass Bank
18-Month CD Account		$500
2.00%
Open Account

Best 6-Month CD Rates – Nationwide

BankAPYMinMaxAccount NameReview
Advancial Federal Credit Union2.87% $50K
---6-Month CDReview
MutualOne Bank2.78% $500 min---7-Month CDReview
VirtualBank2.50%$10k---6-Month eCDReview
Popular Direct2.49% $10k---6-Month CDReview
Live Oak Bank2.45%$2.5K---6-Month CDReview
My e Banc2.45%$5k---6-Month CDReview
Banesco USA2.40% $1.5K$250K6-Month CDReview
Dollar Savings Direct 2.40%$1K---6-Month CDReview
Citizens Access2.35%$5K---6-Month CDReview
Limelight Bank2.35%$1K---6-Month CDReview
Colorado Federal Savings Bank2.28%$5K---6-Month CDReview
First Internet Bank2.27%$1K---6-Month CDReview
Dollar Savings Direct2.25% $1K---6-Month CDReview
EmigrantDirect2.25% $1K---6-Month CDReview

Best 6-Month CD Rates – State/Local

BankState(s)APYMinMaxAccount NameReview
Advantage Federal Credit UnionNY2.50%$500---5-Month CD Review
Bankers Trust AZ, IA2.35%$1K---7-Month CD Review
First Peoples Community Federal Credit UnionMD, PA, WV2.35%$500---6-Month CD Review
Washington Federal BankAZ, ID, NM, NV, OR, TX, UT, WA2.20%$1K---7-Month CDReview
Sunstate Bank FL2.10%$2.5K---7-Month CD Review
Evans Bank NY2.00%$500---6-Month CD Review
Evergreen Bank GroupIL2.00%$10K---7-Month CDReview

Best 9-Month CD Rates – Nationwide

Bank% APY RateReview
Andrews Federal Credit Union2.86% 8-Month CD ($1,000 Min)Review
Montgomery County Employees FCU2.53% 9-Month CD ($1,000 Min)Review
Fidelity2.50% 9-Month Brokered CDReview
Vio Bank2.40% ($500 min) 9-Month CDReview
CD Bank2.25% on $10K Min Balance 9-Month CDReview
VirtualBank2.29% ($10k Min) 9-Month CDReview
Vanguard2.15% (10k min) Non-Callable 9-Month CDReview
USALLIANCE 2.12% on $500 Min Balance 9-Month CDReview

Best 9-Month CD Rates – State/Local

BankState(s)% APY RateReview
UniBankMA2.75% ($2.5 min) 8-Month CD Review
Westbury Bank WI2.60% ($500 min) 9-Month CD Review
Kellogg Community Credit Union MI2.50% 9-Month CD ($500 min)Review
Service Credit Union MA or NH2.50% 9-Month CD ($1K min)Review
Ocean Bank FL2.35% 9-Month CD ($2,500 min)Review
Beverly Bank MA2.15% ($500 min) 9-Month CD Review

Best 1-Year CD Rates – Nationwide

BankAPYMinMaxAccount NameReview
America's Christian4.00%$4K---12-Month CDReview
Sun East Fed Credit Union 3.50% ($500 min) 27-Month CDReview
NASA Federal Credit Union3.25% ($5K Min) 15-Month CDReview
Home Loan Investment Bank3.15% ($100K Min) 14-Month CD SpecialReview
INOVA Federal Credit Union3.00% ($50K Min) 14-Month CDReview
Navy Federal Credit Union3.00% ($3K Max) 12-Month CD SpecialReview
Advancial Federal Credit Union2.99%$50K---12-Month CDReview
ableBanking2.90% (1K min) 12-Month CDReview
MutualOne Bank2.89% ($500 Min) 13- Month CDReview
First Internet Bank2.89% ($1,000 Min) 12-Month CDReview
MutualOne Bank2.89% ($500 Min) 13- Month CDReview
ConnectOne Bank2.86% ($500 min) 13-Month CDReview
Ally Bank2.85% (No Min) 14-Month Select CDReview
Citizens Access2.85% ($5k min) 12-Month CDReview
Live Oak Bank2.85% ($2.5K Min) 12-Month CDReview
Limelight Bank2.85% ($1k Min) 12-Month CDReview
Sallie Mae2.85% ($2,500 Min) 12-Month CDReview
Synchrony Bank2.85% ($2K Min) 15-Month CDReview
VirtualBank2.75%$10K---1-Year CDReview
Popular Direct2.81% ($10K Min) 12-Month CDReview
Connexus Credit Union2.80% (5K min) 12-Month CDReview
MainStreet Bank CD2.80% ($500 min) 15-Month CDReview
M.Y. Safra Bank2.80% ($500/1K min) 12-Month CDReview
CD Bank2.80% (10K min) 12-Month CDReview
PenFed Credit Union2.80% ($1k min) 12-Month CDReview
PurePoint Financial2.80% ($10,000 Min) 12-Month CDReview
TIAA Bank2.79% APY 12-Month CD ($5K min)Review
Ally Bank2.75% (No Min) 12-Month CDReview
Signature Federal Credit Union2.75% ($500 min) 13-Month CDReview
USAlliance Financial Federal Credit Union2.75% ($500 min) 12-Month CDReview
Banesco2.75% ($1.5K Min) 12-Month CDReview
Synchrony Bank2.75% ($2K Min) 12-Month CDReview
Vio Bank2.71% ($500 Min) 12-Month CDReview
Alliant Credit Union2.70% ($25k Min) 12-17 month Jumbo CD, 2.65% ($1k Min) 12-17 month CDReview
My e Banc2.70% ($5k Min) 12-Month Review

Best 1-Year CD Rates – State/Local

Bank/Credit UnionState(s)% APY RateReview
Advancial Federal Credit UnionAK, LA, NJ, OK, TX3.04% ($50K Min) 12-Month CDReview
BankNorth ND, SD3.01% (%1K min) 14- Month CDReview
Wayne Westland Federal Credit UnionMI3.01% ($5K min) 15- Month CDReview
Associated Credit Union of TexasTX3.00% ($1K Min) 13-Month CDReview
HarborOne BankMA, NH, ME, CT, VT, RI3.00% ($1K Min) 14-Month CDReview
Kemba Financial Credit UnionOH3.00% ($10K Min) 14-Month CDReview
Liberty BankCT3.00% ($500 Min) 12-Month CDReview
Pawtucket Credit UnionRI, MA, CT3.00% ($1K Min) 15-Month CDReview
United Federal Credit UnionAR, IN, MI, NV, NC, OH, OK3.00% ($500 Min) 14-Month CDReview
Unibank For SavingsMA3.00% ($500 Min) 14-Month CDReview
New Millennium BankNJ, NY2.95% ($10K Min) 12-Month CDReview
General Electric Credit UnionOH, KY, IN2.90% ($100K Min) 12-Month CDReview
State Bank of IndiaIL2.89% ($2.5K Min) 15-Month CDReview
BrightStar Credit UnionFL2.85% ($500 min) 13-Month CDReview
First Peoples Community Federal Credit UnionMD, PA, WV2.85% ($500 min) 18-Month CDReview
The Village Bank MA2.85% 13-Month CD ($500 min)Review
Centris Federal Credit UnionNE, IA2.85% ($90K Min) 14-Month CDReview
First United BankOK, TX2.85% ($50K Min) 14-Month CDReview
Pioneer Valley Credit UnionCT, MA, NH, NY, RI, VT2.80% ($1K Min) 13-Month CDReview
United Texas BankTX2.80% ($1,000 Min) 12-Month CDReview
Affiliated BankTX2.75% 13-Month CD ($10K min)Review
American Eagle BankIL2.75% ($1K Min) 14-Month CDReview
Andigo CUIL2.75% ($1K Min) 14-Month CDReview
Scient Federal Credit UnionCT, MA, NY, RI2.75% ($1K Min) 12-Month CDReview
Westfield BankOH2.75% ($2.5K Min) 13-Month CDReview
Independent BankCO, TX2.73% ($1K Min) 13-Month CDReview
USE Federal Credit UnionOK2.70% ($1K Min) 17-Month CDReview
Argentine Federal SavingsKS2.65% ($1K Min) 14-Month CDReview
Kemba Credit UnionIN, KY, OH2.65% ($500 Min) 10-Month CDReview
Ocean BankFL2.65% ($2,500 Min) 13-Month CDReview
Reliance BankIL, MO2.65% ($1,000 Min) 13-Month CDReview
IC Federal Credit UnionNJ2.63% 12-Month CD ($500 min)Review
IC Federal Credit UnionMA2.59% ($500 Min) 12-Month CDReview
Lewis Clark Credit UnionID, WA2.58% ($2,500 Min) 12-Month CDReview
Horizon Credit UnionWA, ID, MT2.53% 15-Month CD ($1,000 min)Review
City Credit UnionCA2.50% ($500 Min) 12-Month CDReview
Core BankKS, NE2.50% ($10k-25k Min) 14-Month CDReview
F&M BankTN2.50% ($1,000 Min) 12-Month CDReview
Institution For SavingsMA2.50% ($500 Min) 15-Month CDReview
Navigant Credit UnionRI, CT, MA2.50% ($500 Min) 13-Month CDReview
ParkeBankNJ, PA2.50% ($500 Min) 13-Month CDReview
Washington Federal BankAZ, ID, NM, NV, OR, TX, UT, WA2.50% ($1,000 Min) 13-Month CDReview
First Advantage BankKY, TN2.45% ($10K Min) 14-Month CDReview
Liberty Bell BankNJ2.45% APY 13-Month CD, 3.00% APY 15-Month CD Rates Special Review
Park BankWI2.45% ($10K Min) 19-Month CDReview
CFBankOH2.40% ($5K Min) 13-Month CDReview
Banc of CaliforniaCA2.35% ($25K Min) 12-Month CDReview
BCUIL, WI2.35% ($500 Min) 11-Month CDReview
InTouch Credit UnionMI, VA, NV, TN, TX2.35% ($1,000 Min) 11-Month CDReview
Metro Credit UnionMA2.35% ($500 Min) 12-Month CDReview
Beverly Bank MA2.30% ($500 Min) 15-Month CDReview
EvaBankAL2.30% ($1K Min) 11-Month CDReview
Kellogg Community Credit UnionMI2.30% ($500 Min) 11-Month CDReview
RSI BankNJ2.30% ($1,000 Min) 15-Month CDReview
The MINT National BankTX2.30% ($1K Min) 13-Month CDReview
Brookline BankMA2.25% ($5K Min) 13-Month CDReview
EFCU FinancialLA2.25% ($500 Min) 12-Month CDReview
Evergreen Bank GroupIL2.25% ($10K Min) 13-Month CDReview
Investors Community BankWI2.25% ($5K Min) 12-Month CDReview
Northfield BankNJ, NY2.25% ($2,500 Min) 11-Month CDReview
TruWest Credit UnionAZ, TX2.25% ($1K Min) 14-Month CDReview
Wellesley BankMA2.25% ($10K Min) 14-Month CDReview
State BankOH, IN2.25% ($1K Min) 18-Month CDReview
Sunstate Bank FL2.25% ($2.5K Min) 13-Month CDReview
Byline BankIL, WI2.20% ($5K Min) 13-Month CDReview
Congressional BankDC, MD, VA2.20% ($25K Min) 14-Month CDReview
Park BankWI2.20% ($10K Min) 13-Month CDReview
RSI BankNJ2.20% ($1,000 Min) 11-Month CDReview
Hudson Valley Federal Credit UnionNY2.19% ($750 Min) 12-Month CDReview

Best 18-Month CD Rates – Nationwide

Bank/Credit Union% APY RateReview
Navy Federal Credit Union3.25% ($50 Min) 17-Month CDReview
Agriculture Federal Credit Union3.16% ($1.6 Min) 16-Month CDReview
Home Loan Investment Bank3.15% ($2.5K Min) 18-Month eCDReview
Premier America Credit Union3.15% ($1K Min) 16-Month CDReview
MutualOne Bank3.04% ($500 Min) 19-Month CDReview
First Home Bank3.01% ($1K Min) 18-Month CDReview
Kinecta Federal Credit Union3.00% ($1K Min) 18-Month CDReview
Limelight Bank2.95% ($1K Min) 18-Month CDReview
Popular Direct2.95% ($10K Min) 18-Month CDReview
Citizens Access2.90% ($5K Min) 18-Month CD Review
Live Oak Bank2.90% ($2.5K Min) 18-Month CD Review
Union Bank 2.90% APY 18-23 Month CD Review
M.Y. Safra Bank2.85% ($750/$1K Min) 18-Month CDReview
First Internet Bank2.84% ($1K Min) 18-Month CDReview
Luther Burbank Savings2.83% ($1,000 Min) 18-Month CD Special Review
TIAA Direct2.82% ($5K Min) 18-Month CDReview
Synchrony Bank2.75% ($2K Min) 18-Month CDReview
M.Y. Safra Bank2.70% ($5K Min) 18-Month CertificateReview
PurePoint Financial2.70% ($10K Min) 18-Month CDReview
ESBS Direct2.69% ($1K Min) 20-Month CDReview
Pacific National Bank2.65% ($1,000 Min) 18-Month CD Review
PenFed Credit Union2.65% ($1K Min) 18-Month CDReview
Ally Bank2.55% ($25K Min) 18-Month CDReview
Banesco USA2.55% ($1.5K Min) 18-Month CDReview
Barclays2.55% ($0.01 Min) 18-Month CDReview
Capital One 3602.50% (no min) 18-Month CDReview
Bank of Hope2.40% ($1,000 Min) 18-Month CDReview
Colorado Federal Savings Bank2.40% ($5K Min) 18-Month CDReview
McGraw-Hill Federal Credit Union2.40% ($1K Min) 20-Month CDReview
Marcus By Goldman Sachs2.35% ($500 Min) 18-Month CDReview
Vanguard2.35% (10k min) 18-Month Non-Callable CDReview
USAlliance Federal Credit Union2.32% ($500 Min) 18-Month CDReview
Veridian Credit Union2.28% ($100K Min) 15-Month Jumbo CD SpecialReview
Crestmark Bank2.25% ($25K Min) 18-Month CDReview
McGraw-Hill Federal Credit Union2.25% ($1K Min) 18-Month Share CDReview
My eBanc 2.25% ($5,000 Min) 18-Month CDReview
Navy Federal Credit Union2.25% ($1,000 Min) 18-Month CD SpecialReview
Incredible Bank2.22% ($1K Min) 22-Month CDReview
Sallie Mae Bank2.20% ($2.5K Min) 18-Month CDReview
Veridian Credit Union2.18% ($1K Min) 15-Month CD SpecialReview
Goldman Sachs 2.10% ($500 Min) 18-Month CDReview
Advancial2.05% ($50K Min) 18-Month Jumbo CertificateReview
Apple Federal Credit Union2.00% ($500 Min) 20-Month CDReview
BBVA Compass Bank2.00% ($500 Min) 18-Month CDReview
Mountain America Credit Union2.00% ($500 Min) 18-Month CDReview
CD Bank1.80% ($10K Min) 18-Month CDReview
EBSB Direct1.78% ($1K Min) 20-Month CDReview
Northpointe Bank1.75 ($1K Min) 17-Month CD SpecialReview
KS State Bank1.73% ($100K Min) 18-Month Jumbo CD Internet Only SpecialReview
NASA Federal Credit Union1.60% ($5K Min) 15-Month Share CertificateReview
Northpointe Bank1.60 ($1K Min) 18-Month CDReview
Third Federal Savings and Loan1.50% ($500 Min) 17-Month CD SpecialReview

Best 18-Month CD Rates – State/Local

Bank/Credit UnionState(s)% APY RateReview
Floridacentral Credit UnionFL4.07% 15-Month CD ($50K min)Review
Greenville Heritage Federal Credit UnionNC3.299% ($1K Min) 15-Month Term CDReview
CoVantage Credit UnionWI, MI3.25% ($5K Min) 17-Month Term CDReview
Kohler Credit UnionWI3.25% 18-Month CD ($10K min)Review
TruWest Credit UnionAZ, TX3.25% 19-Month CD ($500 min)Review
The Village BankMA3.05% 20-Month CD ($500 min)Review
Tremont Credit UnionMA3.05% APY 15-Month CD ($1K min)Review
Amplify Credit UnionTX3.03% APY 18-Month CD ($500 min)Review
Provident Credit UnionCA3.01% 18-Month CD ($10K min)Review
Cross River BankCT 3.00% 15-Month CD ($1K min)Review
Elmira Savings BankNY3.00% 19-Month CD ($500 min)Review
Homeland Credit UnionOH3.00% 18-Month CD ($75K min)Review
Hanscom Federal Credit UnionMA, VA3.00% 19-Month CD ($1K min)Review
IBM SECUFL, GA3.00% 18-Month CD ($1K min)Review
Liberty BankCT 3.00% 18-Month CD ($500 min)Review
Kellogg Community Credit UnionMI3.00% 19-Month CD ($500 min)Review
MIDFLORIDA Credit UnionFL3.00% 18-Month CD ($1,000 min)Review
United Federal Credit UnionAR, IN, MI, NV, NC, OH, OK3.00% 16-Month CD ($500 min)Review
First Peoples Community Federal Credit Union MD, PA, WV2.95% 18-Month CD ($500 min)Review
Cross River BankNJ2.79% 18-Month CD ($500 Min)Review
Banc of CaliforniaCA2.75% ($25 K min) 18-Month CDReview
Service Credit UnionNH, MA2.75% ($1K min) 15-Month CDReview
NEFCU NY2.75% 18-Month CD ($1K min)Review
Tulsa Federal Credit UnionOK2.75% ($1K Min) 18-Month CD Review
Market USA Federal Credit Union SC, MD2.70% ($500 min) 20-Month CDReview
University of Iowa Community Credit UnionIA2.70% ($1k Min) 15-Month CD Review
USE Federal Credit Union OK2.70% ($1K min) 17-Month CDReview
Lewis Clark Credit UnionID, WA2.68% ($2,500 Min) 18-Month CDReview
First National BankMD, NC, OH, PA, SC, WV2.65% ($5K min) 19-Month CD SpecialReview
InTouch Credit UnionMI, VA, NV, TN, TX2.65% ($95K Min) 21-Month Jumbo CDReview
Fairwinds Credit UnionFL2.63% ($1,000 Min) 18-Month CDReview
Beverly Bank MA2.60% ($500 Min) 19-Month CDReview
First Bank & Trust IL2.60% ($1,000 Min) 17-Month CDReview
Washington Federal BankAZ, ID, NM, NV, OR, TX, UT, WA2.60% ($1K Min) 19-Month CD Special Review
Byline BankIL, WI2.55% ($5K Min) 17-Month CD Review
Farmers BankOK2.52% ($10K Min) 18-Month CD Review
Brookline BankMA2.50% ($5K Min) 18-Month CD Review
Financial Partners Credit UnionCA2.50% ($5K Min) 15-Month CD Review
Goldenwest Credit UnionUT2.50% ($500 Min) 18-Month CD Review
Metro Credit UnionMA2.50% ($500 Min) 18-Month CDReview
InTouch Credit UnionMI, VA, NV, TN, TX2.40% ($1K Min) 21-Month CDReview
Rhinebeck BankNY2.30% ($10K Min) 20-Month CD Special Review
HarborOne BankMA, NH, ME, CT, VT, RI2.30% ($1K Min) 20-Month CD Special Review
Beacon Credit UnionIN2.27% ($1K Min) 15-Month CD Special Review
Wright-Patt Credit UnionOH2.26% ($100K Min) 18-23 Month CD Special Review
Arbor Financial Credit UnionMI2.25% ($250K min) 18-Month CDReview
Institution for SavingsMA2.25% ($1 Min) 20-Month Term CDReview
Pioneer Federal Credit UnionID2.25% ($500 Min) 19- Month CD Special Review
Winter Hill BankMA2.25% ($500 Min) 17- Month CD Special Review
Rocky Mountain CUMT2.18% ($1k Min) 18-Month CD Review
Wright-Patt Credit UnionOH2.16% ($500 Min) 18-23 Month CD Special Review
IC Federal Credit UnionMA2.15% ($500 Min) 18-Month CD Special Review
Southern States BankAL, GA2.15% ($500 Min) 19-Month CD Special Review
Meredith Village Savings BankNH2.07% ($500 Min) 15-Month CD Special Review
Farmers State BankIA2.05% ($250K Min) 17-Month CD Special Review
Magnolia BankKY2.05% ($500 Min) 18-Month CD Special Review
InvesTex Credit UnionTX2.03% ($1,000 Min) 18-Month CDReview
Bank
of Botetourt		VA2.02% ($500 Min) 18-Month CD Special Review
Franklin Savings BankNH2.00% ($2K min) 15-Month CD SpecialReview
Home SavingsOH, PA2.00% ($500 Min) 18-Month Term CDReview
Neighborhood Credit UnionTX2.00% ($1,500 Min) 17-Month Term CDReview
Service Credit UnionMA, NH2.00% ($1K Min) 18-Month Term CD SpecialReview
Stoughton Cooperative BankMA2.00% ($2.5K Min) 17-Month Term CD SpecialReview
Cedar Falls Community Credit UnionIA1.96% ($100K Min) 15-Month Jumbo CertificateReview
Dart BankMI1.91% ($500 Min) 18-Month NEW Money CDReview
Michigan Schools and Government Credit UnionMI1.85% ($500 Min) 18-Month CDReview
IH Mississippi Valley Credit UnionIL, IA1.81% ($500 Min) 15-Month CDReview
Cedar Falls Community Credit UnionIA1.81% ($1K Min) 15-Month Share CertificateReview
Bankers TrustAZ, IA1.80% 7-27 Month CD ($1K Min Bal)Review
Gulf Coast Federal Credit UnionTX1.80% ($500 Min) 18-Month CD Share Certificate Review
Members Choice Credit UnionTX1.80% ($50K Min) 18-Month Jumbo CD SpecialReview
National Bank of New York CityNY1.80% ($2,500 Min) 18-Month CDReview
ConnectOne BankNJ, NY1.77% 18-Month CD Online OnlyReview
FirstBankFL1.75% 18-Month CD Review
Collins Community Credit UnionIA1.71% ($250K Min) 15-Month CertificateReview
Members Choice Credit UnionTX1.70% ($500 Min) 18-Month CD SpecialReview
LegacyTexasTX1.65% ($10K Min) 15-Month CD SpecialReview
Teachers Federal Credit UnionNY1.65% ($1K Min) 16-Month Certificate SpecialReview
Lion BankGA1.60% ($1K Min) 18-Month Special Review
Red River Federal Credit UnionAR, TX1.51% ($500 Min) 18-Month Share CertificateReview
Utah First Credit UnionUT1.30% ($500 Min) 18-Month CertificateReview

Best 2-Year CD Rates – Nationwide

Bank/Credit Union% APY RateReview
Justice Federal Credit Union3.354% ($100K Min) 24-Month Jumbo CDReview
Justice Federal Credit Union3.252% ($500 Min) 24-Month CDReview
Academy Bank3.19% ($500 Min) 24-Month CDReview
Latino Credit Union3.15% ($500 Min) 24-Month CDReview
First Internet Bank3.11% ($1,000 Min) 24-Month CDReview
KS StateBank3.10% ($500 Min) 24-Month CD SpecialReview
CD Bank3.07% ($10K Min) 24-Month CDReview
Langley Federal Credit Union3.04% ($50K Min) 24-Month CDReview
Connexus Credit Union3.00% ($5K Min) 2-Year CDReview
ConnectOne Bank3.00% ($500 Min) 23-Month CDReview
Navy Federal Credit Union3.00% ($10K Min) 24-Month CDReview
Sallie Mae3.00% ($2.5K Min) 2-Year CDReview
US Postal Service Federal Credit Union3.00% ($1 Min) 24-Month Young Saver's CDReview
VirtualBank2.96% ($10K Min) 2-year CDReview
Synchrony Bank 2.90% ($2K Min) 2-Year CDReview
Union Bank2.90% APY 18-23 Month CD Review
USAlliance Financial2.85% ($500 Min) 2-Year CDReview
North American Savings Bank2.84% (No Min) 2-Year CDReview
Live Oak Bank2.80% ($2.5K Min) 2-Year CDReview
M.Y. Safra Bank2.80% ($5K Min) 2-Year CDReview
PurePoint Financial2.80% ($10K Min) 24-Month CDReview
BankPurely2.75% ($1K Min) 2-Year CDReview
iGoBanking2.75% ($1K Min) 2-Year CDReview
My Banking Direct2.75% ($500 Min) 2-Year CDReview
OneWest Bank2.75% ($10K Min) 28-Month CDReview
McGraw-Hill Federal Credit Union2.70% ($1K Min) 27-Month CDReview
Banesco USA2.65% ($1.5K Min) 2-Year CD SpecialReview
Limelight Bank2.65% ($1k Min) 2-Year CD SpecialReview
Vanguard2.65% (1k min) Non-Callable 2-Year CDReview
Veridian Credit Union2.65% ($100K Min) 24-Month Jumbo Special CDReview
American Express2.60% (No Min) 24-Month CDReview
Capital One 3602.60% (No min) 30-Month CDReview
Capital One 3602.60% (No min) 24-Month CDReview
Colorado Federal Savings Bank2.60% ($5K Min) 24-Month CDReview
Barclays2.60% ($0.01 Min) 24-Month CDReview
Fidelity2.55% 2-Year Brokered CDReview
INOVA Federal Credit Union2.55% ($50K Min) 30-Month CDReview
Veridian Credit Union2.55% ($1K Min) 24-Month CDReview
MutualOne Bank2.53% ($500 Min) 30-Month CDReview
Ally Bank2.50% (No Min) 2-Year Raise Your Rate CD SpecialReview
Banco do Brasil Americas2.50% ($1K Min) 2-Year CD SpecialReview
Elements Financial2.50% ($1,000 Min) 22-Month CDReview
Kinecta Federal Credit Union2.50% ($100K Min) 2-Year Jumbo CD SpecialReview
MainStreet Bank2.50% ($500 Min) 2-Year CD Review
Popular Direct2.50% ($10K Min) 2-Year CDReview
Utah First Credit Union2.50% ($500 Min) 24-Month CDReview
Marcus By Goldman Sachs 2.45% ($500 Min) 2-Year CDReview
Bank5 Connect2.40% ($500 Min) 21-Month CDReview
My eBanc2.40% ($5K Min) 2-Year CDReview
Alliant Credit Union2.35% ($25k Min) 18-23 month Jumbo CD, 2.30% ($1k Min) 18-23 month CDReview
TIAA Direct2.35% ($1K Min) 2-Year CDReview
Bank VI2.31% ($500 Min) 30-Month CDReview
Air Force Federal Credit Union2.30% ($1K Min) 24-Month CDReview
Crestmark Bank2.30% ($25K Min) 2-Year CDReview
TIAA Direct2.30% ($1K Min) 30-Month CDReview
AloStar Bank of Commerce2.28% ($1K Min) 24-Month CDReview
Quorum Federal Credit Union2.25% ($1,000 Min) 25-Month CDReview
Xceed Financial Credit Union2.25% ($500 Min) 30-Month CDReview
Virtual Bank2.20% ($10K Min) 24-Month CDReview
Advancial2.14% ($50K Min) 2-Year CDReview
Nationwide Bank2.05% ($100K Min) 2-Year CDReview
Bank72.01% ($10K Min) 2-Year CDReview
Ally Bank2.00% (No Min) 2-Year Select CDReview
Dollar Savings Direct2.00% ($1K Min) 2-Year CDReview
Kinecta Federal Credit Union2.00% ($1K Min) 2-Year CD SpecialReview
Third Federal Savings and Loan2.00% ($500 Min) 25-Month CD SpecialReview
Nationwide Bank2.00% ($500 Min) 2-Year CDReview
St. Mary's Bank 2.00% ($500 Min) 2-Year CDReview
Hope Credit Union1.97% ($95K Min) 24-Month Jumbo Share CertificateReview
Agriculture Federal Credit Union1.80% ($1K Min) 24-Month CDReview
Northwest Federal Credit Union1.76 ($250K Min) 2-Year CertificateReview
Northern Bank Direct1.75% ($500 Min) 24-Month CDReview
Hughes Federal Credit Union1.71% ($99K Min) 29-Month Jumbo CDReview
Hope Credit Union1.71% ($1000 Min) 24-Month Share CertificateReview
Hughes Federal Credit Union1.61% ($50K Min) 29-Month Mini Jumbo CDReview
Hughes Federal Credit Union1.51% ($1K Min) 29-Month Term CDReview
Bethpage Federal Credit Union1.50% ($50 Min) 2-Year CDReview
BankDirect1.25% ($10K Min) 2-Year CDReview
TIAA Direct1.08% ($1K Min) 25-Month CDReview

Best 2-Year CD Rates – State/Local

Bank/Credit Union State(s)% APY RateReview
American Eagle Financial Credit UnionCT3.25% 24-Month CD ($1,000 min)Review
Enterprise BankNJ3.25% 24-Month CD ($1K min)Review
Knoxville TVA ECUTN3.25% 24-Month CD ($2,500 min)Review
Horizon Credit UnionWA, ID, MT3.09% 26-Month CD ($1,000 min)Review
Elmira Savings BankNY3.15% 19-Month CD ($500 min)Review
Kellogg Community Credit UnionMI3.15% 19-Month CD ($500 min)Review
Teachers Credit UnionIN, MI3.06% ($500 Min) 22-Month CDReview
Evergreen BankIL3.05% ($10K Min) 29-Month CDReview
IBM SECUFL, GA3.05% ($1K Min) 26-Month CDReview
Aventa Credit UnionCO3.04% ($500 Min) 30-Month CDReview
Credit Union One of OklahomaOK3.04% ($2,500 Min) 23-Month CDReview
Oklahoma's Credit UnionOK3.03% ($25,000 Min) 21-Month CDReview
Blue Hills BankMA3.00% ($500 Min) 29-Month CDReview
Core BankKS, NE3.00% ($10k-25k Min) 23-Month CDReview
F&M BankTN3.00% ($1,000 Min) 24-Month CDReview
First Eagle BankIL3.00% ($2,500 Min) 24-Month CDReview
Midwest BankCentreMO3.00% ($5,000 Min) 24-Month CDReview
Navigant Credit UnionRI, CT, MA3.00% ($500 Min) 24-Month CDReview
Pawtucket Credit UnionRI, MA, CT3.00% ($1K Min) 25-Month CDReview
St. Jean's Credit UnionMA3.00% ($500 Min) 25-Month CDReview
The First State BankOK3.00% ($5K min) 2-Year CDReview
Cross River Bank Nj2.94% 24-Month CD ($500 min)Review
Affiliated BankTX2.85% 24-Month CD ($10K min)Review
Metro Credit UnionMA2.85% ($500 Min) 24-Month CDReview
National Bank of New York CityNY2.85% ($2.5K Min) 24-29 Month CDReview
State Bank of IndiaCA2.83% ($50k Min) 21-Month CDReview
BTH BankTX2.78% 30-Month CDReview
Lewis Clark Credit UnionID, WA2.78% ($2,500 Min) 24-Month CDReview
Red River Credit UnionTX, AK, LA, MS2.77% 24-Month CDReview
EFCU FinancialLA2.75% ($500 Min) 24-Month CD Review
First National BankMD, NC, OH, PA, SC, WV2.75% ($5K Min) 25-Month CD SpecialReview
Mechanics Cooperative BankMA2.75% ($2.5k Min) 27-Month CDReview
Savings Institute Bank & TrustCT, RI2.75% ($500 Min) 27-Month CDReview
Washington TrustRI, CT, MA 2.75% ($500 Min) 24-Month CDReview
University of Iowa Community Credit UnionIA2.70 ($100K Min) 30-Month CDReview
Brookline BankMA2.60 ($5K Min) 24-Month CDReview
Direct Federal Federal Credit UnionMA2.55% 21-Month CDReview
First Nations BankIL2.55% (10K Min) 24-Month CD SpecialReview
Sunstate Bank FL2.55% ($2.5k Min) 25-Month CD SpecialReview
InvesTex Credit UnionTX2.53% ($1,000 Min) 24-Month CDReview
Founders Federal Credit Union SC2.52% ($500 Min) 24-Month CD SpecialReview
Gulf Coast Federal Credit UnionTX2.50% ($500 Min) 24-Month CD Share Certificate Review
Kellogg Community Credit UnionMI2.50% ($500 Min) 22-Month CDReview
Melrose BankCT, ME, MA, NH, RI & VT2.50% 24-Month CDReview
Rockland Federal Credit UnionMA2.50% ($500 Min) 20-Month CDReview
Scient Federal Credit UnionCT, MA, NY, RI2.50% ($1K Min) 25-Month CDReview
Tinker Federal Credit UnionOK2.43% 24-Month CDReview
First American International BankNY2.40% ($0+ Min) 24-Month CDReview
Investors Community BankWI2.40% 24-Month CDReview
Notre Dame Federal Credit UnionIN2.40% 24-Month CDReview
Wright-Patt Credit UnionOH2.36% ($100k Min) 24-35 Month CDReview
Financial One Credit UnionMN2.30% ($1k min) 23-Month CDReview
Magnolia BankKY2.30% 24-Month CDReview
Patelco Credit UnionCA2.25% ($1K Min) 24-35 Month CDReview
Red Rocks Credit UnionNY2.25 ($1K Min) 30-Month CDReview
Red Rocks Credit UnionCO2.25 ($100K Min); 2.00% ($50K Min); 1.75% ($10K Min) 2-Year CDReview
Westerra Credit UnionCO2.25% ($10K Min) 24-Month CDReview
Wright-Patt Credit UnionOH2.25% ($500 Min) 24-35 Month CDReview
Huntington BankIN, KY, MI, OH, PA, WV2.20% ($1K Min) 19 Month CDReview
S&T
Bank		PA, OH2.10% ($1K Min) 25-Month CDReview
Dollar BankOH, PA2.10% ($10K Min) 25-Month CertificateReview
Collins Community Credit UnionIA2.01% ($250K Min) 28-Month CertificateReview
Ferguson Federal Credit UnionMS2.00% ($1K Min) 2-Year CDReview
First Green BankFL2.00% ($10K Min) 33-Month CD SpecialReview
Frankenmuth Credit UnionMI2.00% ($500 Min) 21-Month CD SpecialReview
Lewis Clark Credit UnionID, WA1.92% ($2500 Min) 24-Month CDReview
Capital Educators Credit UnionID1.90% ($500 Min) 24-Month CDReview
FirstBankFL1.90% ($1K Min) 29-Month CDReview
VyStar Credit UnionFL1.90% ($50K Min) 24-Month CDReview
Hanover Community BankNY1.85% ($500 Min To Open) 24-Month CDReview
Greater Iowa Credit UnionIA1.81% ($1K Min) 22-Month Special Share CertificateReview
Bankers TrustAZ, IA1.80% 7-27 Month CD ($1K Min Bal)Review
Hanover Community BankNY1.80% ($500 Min To Open) 29-Month CDReview
Pioneer Federal Credit UnionID 1.80% ($500 Min) 25-Month Special CDReview
Sandy Spring BankMD, VA1.80% ($10K Min) 27-Month Special CDReview
Sandy Spring BankMD, VA1.50% ($10K Min) 25-Month Special CDReview
Westerra Credit UnionCO 1.50% ($10K Min) 25 Month Bump-Up Add-On CDReview
Utah First Credit UnionUT1.40% ($500 Min) 2 Year CDReview
Public Service Credit UnionCO1.25% ($1K Min) 2 Year CDReview
First Home BankFL1.20% ($25K Min) 25 Month CDReview

Best 3-Year CD Rates – Nationwide

Bank/Credit Union% APY RateReview
Connexus Credit Union3.35% ($5K Min) 36-Month CDReview
ableBanking3.30% ($1,000 Min) 36-MonthReview
Greenwood Credit Union3.25% ($1,000 Min) 30-MonthReview
KS State Bank3.25% ($500 Min) 3-Year Review
MainStreet Bank3.25% ($500 Min) 3-Year CDReview
M.Y. Safra Bank3.25% ($5K Min) 3-Year Online Promo CDReview
Veridian Credit Union3.25% ($100,000 Min) 41-MonthReview
First Financial Northwest Bank3.10% ($100K Min) 36-MonthReview
First Internet Bank3.04% 3-Year CD ($1K Min)Review
Garden Savings Federal Credit Union3.04% ($500 Min) 36-Month CDReview
PurePoint Financial3.00% ($10K Min) 36-Month CDReview
Citizens Access3.00% ($5k Min) 36-Month CDReview
McGraw-Hill Federal Credit Union3.00% ($1K Min) 39-Month CDReview
Salem Five Direct3.00% ($10K Min) 36-Month CDReview
USAlliance Financial3.00% ($500 Min) 36-Month CDReview
Bank5 Connect2.90% ($500 min) 3-Year CDReview
Synchrony Bank2.90% ($2,000 Min) 36-Month CDReview
Live Oak Bank2.85% 3-Year CDReview
Vanguard2.85% (10k min) 3-Year CDReview
Elements Financial2.75% ($1,000 Min) 34-Month Share CertificateReview
Utah First Credit Union2.75% ($500 Min) 36-Month CDReview
Fidelity2.75% 3-Year Brokered CDReview
Capital One 3602.70% 3-Year CDReview
American Express2.65% (No Min) 36-Month CDReview
Barclays2.65% ($0.01 Min) 36-Month CDReview
Colorado Federal Savings Bank2.63% ($5K Min) 3-Year CDReview
Latino Credit Union2.60% 3-Year CDReview
Ally Bank2.60% ($25K Min) 3-Year CD Review
Popular Direct2.60% ($10K Min) 3-Year CDReview
Marcus By Goldman Sachs 2.55% ($500 Min) 3-Year CDReview
Northern Bank Direct2.55% ($500 min) 3-Year CDReview
First Central Savings Bank2.53% ($500 Min) 36-Month CDReview
Incredible Bank2.52% ($1K Min) 36-Month CDReview
My eBanc2.50% 3-Year CD ($5K Min)Review
Northpointe Bank2.50% ($1K Min) 35-Month CDReview
TIAA Direct2.50% ($1K Min) 36-Month CDReview
Capital One2.40% 3-Year CDReview
Crestmark Bank2.40% ($25K Min) 36-Month CDReview
McGraw-Hill Federal Credit Union2.40% ($1K Min) 3-Year CDReview
Sallie Mae2.40% ($2.5K Min) 36-Month CDReview
First Central Savings Bank2.33% ($500 Min) 30-Month CDReview
Goldman Sachs Bank2.25% ($500 Min) 3-Year CDReview
BBVA Compass2.25% ($500 min) 36-Month CDReview
Third Federal Savings and Loan2.25% ($500 Min) 39-Month CD SpecialReview
Advancial2.24% ($50K Min) 3-Year CDReview
Bank72.17% ($10K Min) 3-Year CD Review
Hope Credit Union2.17% ($1K Min) 3-Year Share CertificateReview
GTE Financial2.02% 36-Month IRA CertificateReview
Kinecta Credit Union2.00% ($100K Min) 30-Month Promotional Share Certificate Review
BBVA Compass Bank2.00% ($500 Min) 36-Month CDReview
Agriculture Federal Credit Union1.90% ($1K Min) 36-Month CDReview
Hughes Federal Credit Union1.87% ($100K Min) 36-Month Jumbo CDReview
Unify Financial Credit Union1.46% $100K Min) 3-Year CDReview
BankDirect1.45% ($10K Min) 3-Year CDReview

Best 3-Year CD Rates – State/Local

Bank/Credit UnionState(s)% APY RateReview
Columbia Credit UnionWA, OR3.60% ($100K Min) 30-Month CDReview
Credit Union One of OklahomaOK3.56% ($2,500 Min) 35-Month CDReview
Gesa Credit UnionID, WA3.50% ($500 min) 36-Month CDReview
Sharon BankPA3.50% ($25,000 min) 39-Month CDReview
Solvay BankNY3.50% ($2,500 min) 36-Month CDReview
Centris Federal Credit UnionNY3.41% ($90,000 min) 40-Month CDReview
1st MidAmerica Credit UnionIL, MO3.39% ($1,000 min) 35-Month CDReview
Neighbors Federal Credit UnionLA3.37% ($1,500 min) 36-Month CDReview
DE, PA3.36% 36-Month CD ($500 min)Review
Bank of New EnglandIN3.35% ($50K min) 33-Month CDReview
Four Points Federal Credit UnionCO, IA, KS, MO, NE, SD, WY3.35% ($10K min) 30-Month CDReview
Northeast Credit UnionNH, ME3.33% ($500 min) 33-Month CDReview
Bankers TrustAZ, IA3.30% 36-Month CD ($1k min)Review
Providence BankIL, MO3.30% 30-Month CD ($100K min)Review
EFCU FinancialLA3.25% ($500 min) 36-Month CDReview
United Federal Credit UnionAR, IN, MI, NV, NC, OH, OK3.20% ($500 min) 36-Month CDReview
University of Iowa Credit UnionIA3.20% ($1K Min) 34-Month CDReview
Bank of New EnglandNH, MA3.15% ($10K Min) 36-Month CDReview
Homeland Credit UnionOH3.15% 30-Month CD ($75K min)Review
Lewis Clark Credit UnionID, WA3.15% ($2500 Min) 36-Month CDReview
General Electric Credit UnionOH, KY, IN3.05% ($500 Min) 36-Month CDReview
Freedom Credit UnionPA3.56% ($500 Min) 30-Month CDReview
Maine Highlands Federal Credit UnionME3.04% ($500 Min) 36-Month CDReview
Meredith Village Savings BankNH3.04% ($500 Min) 36-Month CDReview
1st United Credit UnionCA3.00% (1K Min)- 40-Month CDReview
Coastal Credit UnionNC3.00% ($250 Min) 39-Month CDReview
EFCU Financial LA3.00% 39-Month CD ($500 Min)Review
Evans Bank NY3.00% 30-Month CD ($500 Min)Review
Franklin Savings BankNH3.00% ($2K Min) 42-Month CDReview
Greater Hudson BankNY3.00% ($10K Min) 36-Month CDReview
Institution For SavingsMA3.00% ($500 Min) 30-Month CDReview
NEFCUNY3.00% ($1K Min) 36-Month CDReview
Notre Dame Federal Credit UnionIN3.00% ($500 Min) 36-Month CDReview
Taunton Federal Credit UnionMA, RI3.00% ($250 min) 36-Month CDReview
Teachers Federal Credit UnionNY3.00% ($1,000 min) 30-Month CDReview
Gulf Coast Federal Credit UnionTX2.99% ($500 Min) 36-Month Share Certificate Review
Goldenwest Credit UnionUT2.85% ($500 Min) 31-Month CD Review
BCUIL, WI2.75% ($500 Min) 30-Month CDReview
Centreville BankRI2.75% ($20K Min) 36-Month CDReview
Kellogg Community Credit UnionMI2.75% ($500 Min) 33-Month CDReview
P1FCUID, MT, OR, WA2.75% ($500 Min) 36-Month CDReview
Sunstate Bank FL2.75% ($2.5k Min) 35-Month CDReview
BMI Federal Credit UnionOH2.70% ($5K Min) 37-Month CDReview
Columbia Credit UnionWA, OR2.65% ($5K Min) 25 Month CDReview
National Bank of New York CityNY2.65% 36-41 Month CDReview
Union BankVT, NH2.62% 36 Month CD SpecialReview
Financial One Credit UnionMN2.60% ($1k Min) 35-Month CDReview
First Commonwealth BankPA, OH2.60% ($2,500 Min) 36-Month CDReview
Investors Community BankWI2.60% ($5K Min) 36-Month Special CDReview
Mercantil BankFL, TX2.60% ($500 Min) 36-Month Special CDReview
First National Bank of Long IslandNY2.55% ($500 Min) 3-Year CDReview
Shell Federal Credit UnionTX2.55% ($50K Min) 30-Month CDReview
Wright-Patt Credit UnionOH2.51% ($100k Min) 3-Year CDReview
First American International BankNY2.50% ($0+ Min) 36-Month CDReview
Home SavingsOH, PA2.50% ($500 Min) 36-Month CDReview
Wright-Patt Credit UnionOH2.41% ($500 Min) 3-Year CDReview
Bankers TrustAZ, IA2.40% ($1k Min) 40-Month CDReview
Planters BankKT, TN2.38% ($2,500 min) 36-Month CDReview
Farmers State BankIA2.35% ($250K Min) 34-Month Special CDReview
Florida Credit UnionFL2.25% 37-Month CDReview
Triangle Credit UnionMA, NH2.25% 35-Month Special CDReview
Fairport Savings BankNY2.15% ($500 Min) 35-Month CD SpecialReview
Solidarity Community Federal Credit UnionIN2.15% ($500 Min) 37-Month CDReview
CitadelPA2.10% ($500 Min) 3-Year CDReview
Perpetual Federal Savings BankOH2.07% ($1K Min) 3-Year CertificateReview
1st Gateway Credit UnionIA, IL2.05% ($10K Min) 40-Month CDReview
Haverhill BankMA, NH2.02% ($500 Min) 3-Year CDReview
VITAL Federal Credit UnionSC2.01% ($500 Min) 3-Year IRA Share CertificateReview
Cyprus Credit UnionUT3.00% ($1,000 Min) 30-Month CD SpecialReview
Frankenmuth Credit UnionMI2.25% ($500 Min) 37-Month CD SpecialReview
Primary BankNH2.00% 3-Year CDReview
American United Federal Credit UnionUT2.00% ($500 Min) 3-Year CertificateReview
BTH BankTX1.95% ($10K Min) 30-Month Worry-Free CDReview
Utah First Credit UnionUT1.85% 3-Year CDReview
IH Mississippi Valley Credit UnionIL, IA1.81% ($500 Min) 36-Month CDReview
Bayer Heritage Federal Credit UnionOH, SC, WV1.77% ($500 Min) 36- to 47-Month Certificate TermReview
Navy Army Community Credit UnionTX1.70% ($1K Min) 30-Month CDReview
1st Gateway Credit UnionIA, IL1.30% ($1K Min) 3-Year CDReview
BTH BankTX1.26% ($1K Min) 3-Year CDReview
InvesTex Credit UnionTX1.06% ($50K Min) 3-Year Jumbo CDReview
InvesTex Credit UnionTX0.90% ($5K Min) 3-Year CD PromoReview

Best 4-Year CD Rates – Nationwide

Bank/Credit Union% APY RateReview
Garden Savings Federal Credit Union4.08% ($500 Min) 48-Month CD Review
ableBanking3.40% ($1,000 Min) 48-Month CD Review
KS State Bank3.40% ($500 Min) 4-year CD Review
NASA Federal Credit Union3.35% ($5,000 Min) 49-Month CD Review
First Internet Bank3.30% ($1,000 Min) 48-Month CD Review
Community Financial Services Bank3.29% ($1,000 Min) 4-year CD Review
Home Savings Bank3.25% ($5K min) 4-Year CDReview
First Financial Northwest Bank3.25% ($100K Min) 4-Year CDReview
Home Savings Bank3.25% ($5K min) 4-Year CDReview
First Service Credit Union3.15% ($1K min) 4- Year CD Review
Citizens Access3.10% ($5K min) 4- Year CD Review
Vio Bank3.10% ($500 Min) 4-Year CDReview
M.Y. Safra Bank3.01% 48-month Online Promo CDReview
Synchrony Bank3.00% ($2K Min) 4-Year CDReview
ConnectOne Bank2.94% ($500 Min) 4-Year CDReview
Live Oak Bank2.90% 4-Year CDReview
American Express2.70% (No Min) 48-Month CDReview
Capital One 3602.75% (No min) 48-Month CDReview
Barclays2.75% ($0.01 Min) 48-Month CDReview
MainStreet Bank2.75% ($500 Min) 4-Year CDReview
Latino Credit Union2.65% 4-Year CDReview
Marcus By Goldman Sachs 2.60% ($500 Min) 4-Year CDReview
TIAA Direct2.60 ($1K Min) 48-Month CDReview
Northern Bank Direct2.56% ($500 Min) 4-Year CDReview
Northern Bank Direct2.51% APY ($500 Min) 48-Month CDReview
Crestmark Bank2.50% ($25K Min) 4-Year CDReview
Hanscom Federal Credit Union2.50% ($1K Min) 4-Year CDReview
NASA Federal Credit Union2.40% ($5K Min) 49-Month Share CertificateReview
Advancial2.37% ($50K Min) 4-Year CDReview
Kinecta Federal Credit Union2.31%($100k) (2.50% 5-year Jumbo Share Certificate closed after 4 years)Review
Goldman Sachs2.30% ($500 Min) 4-Year CDReview
American Federal Heritage2.26% 48-month Share CertificateReview
Latino Credit Union2.25% 48-month CD Review
USAlliance Financial2.22% 48-month CertificateReview
Utah First Credit Union2.21% (2.50% 60-month CD closed after 4 years) Review
Fidelity2.15% 4-year non-callable CDReview
Northern Bank Direct2.15% ($500 Min) 4-Year CDReview
Third Federal Savings and Loan2.15% ($500 Min) 49-Month CD SpecialReview
Bethpage Federal Credit Union2.10% 48-month CertificateReview
Mountain America Credit Union2.10% ($500 Min) 4-Year Term DepositReview
Melrose Credit Union2.07% ($4K Min) 4-Year Share CertificateReview
Sallie Mae2.07% (60-month CD closed after 4 years)Review
Ally Bank2.00% (No Min) 4-Year CDReview
Agriculture Federal Credit Union2.00% ($1K Min) 4-Year CDReview
Bay State Savings Bank2.00% ($1K Min) 4-Year CDReview
Popular Direct2.00% ($10K Min) 4-Year CDReview
Unify Financial Credit Union1.65$ ($100K Min) 4-Year Share CertificateReview

Best 4-Year CD Rates – State/Local

Bank/Credit UnionState(s)% APY RateReview
Kemba Financial Credit UnionOH4.00% ($10K Min) 44-Month CDReview
Pelican State Credit UnionLA3.61% ($500 Min) 4-Year Share CertificateReview
Fahey BankOH3.50% ($500 Min) 48-Month CDReview
Tech Credit UnionIN, IL3.50% ($100K Min) 50-Month Jumbo Compound CDReview
United Federal Credit UnionAR, IN, MI, NV, NC, OH, OK3.50% ($500 Min) 48-Month CDReview
Neighbors Federal Credit UnionLA3.50% ($1,500 Min) 48-Month CDReview
Scient Federal Credit UnionCT, MA, NY, RI3.40% ($1K Min) 48-Month CDReview
United Federal Credit UnionAR, IN, MI, NV, NC, OH, OK3.40% ($500 Min) 46-Month CDReview
Lewis Clark Credit UnionID, WA3.15% ($2500 Min) 48-Month CDReview
National Bank of New York CityNY3.10% ($2.5K Min) 48-53 Month CDReview
Fairwinds Credit UnionFL3.05% ($1,000 min) 44-Month CD SpecialReview
Oklahoma's Credit UnionOK3.05% ($10K min) 42-Month CD SpecialReview
Chemung Canal Trust Company NY3.03% ($10K min) 48-Month CDReview
Founders Federal Credit Union SC3.03% ($500 min) 48-Month CDReview
Embassy BankPA3.00% ($500 Min) 59-Month CDReview
State BankOH, IN3.00% ($1K Min) 48-Month CDReview
Washington TrustRI, CT, MA3.00% ($500 Min) 4-Year CDReview
Water and Power Community Credit UnionCA3.00% ($10K Min) 4-Year CDReview
ELGA
Credit Union		MI2.90% ($5K Min) 55-Month CDReview
Liberty First Credit UnionNE2.85% ($25K Min) 37 Month CDReview
APG Federal Credit UnionMD2.80% ($100 Min) 48-59 Month CDReview
BMI Federal Credit UnionOH2.80% ($5KMin) 49 Month CDReview
National Bank of New York CityNY2.80% ($1,000 Min) 54-59 Month CDReview
Crescent BankLA2.78% ($1,000 Min) 4-Year CDReview
Dime Community BankNY2.75% ($500 Min) 48-Month CDReview
Investors Community BankWI2.75% ($5K Min) 48-Month CDReview
Pioneer Federal Credit UnionID2.70% ($500 Min) 37-Month CDReview
P1FCUID, MT, OR, WA2.95% ($500 Min) 4-Year CDReview
Wright-Patt Credit UnionOH2.63% ($100k Min) 48-59 Month CDReview
First American International BankNY2.60% ($0+ Min) 48- Month CDReview
First National BankMD, NC, OH, PA, SC, WV2.55% ($5K Min) 52-Month CD SpecialReview
Spokane Teachers Credit UnionID, WA2.53% ($25K Min) 48-60 Month CDReview
Wright-Patt Credit UnionOH2.53% ($500 Min) 48-59 Month CDReview
BankGloucesterMA2.52% ($50K Min) 48-Month CDReview
Institution for SavingsMA2.50% ($250K Min) 4-Year Platinium Money Market Combo CDReview
InvesTex Credit UnionTX2.50% ($5K Min) 4-Year CD PromoReview
InvesTex Credit UnionTX2.50% ($50K Min) 4-Year Jumbo CDReview
Solidarity Community Federal Credit UnionIN2.50% ($500 Min) 59-Month CD
Review
United Federal Credit UnionAR, IN, MI, NV, NC, OH & OK 2.50% 55-Month CDReview
FirstBank of NebraskaNE2.47% ($1K Min) 48-Month CDReview
BankGloucesterMA2.42% ($500 Min) 48-Month CDReview
VyStar Credit UnionFL2.40% ($50K Min) 4-Year Share CertificateReview
Deere Employees Credit UnionGA, IA, IL, ND, SC, WI2.38% ($500 Min) 4-Year IRA & Share CertificateReview
Jefferson Financial Credit UnionLA 2.38% ($10K Min) 4-Year Special Share CDReview
IH Mississippi Valley Credit UnionIA, IL2.32% ($500 Min) 4-Year CDReview
Tech Credit UnionIN, IL2.29% ($1K Min) 50-Month Premium Compound CDReview
Bayer Heritage Federal Credit UnionOH, SC, WV2.28% ($500 Min) 48- to 59-Month CDReview
Perpetual Federal Savings BankOH2.28% ($1K Min) 4-Year CertificateReview
ASI Federal Credit UnionLA2.27% ($1K Min) 4-Year Share CertificateReview
Dollar BankOH, PA2.25% ($25K Min) 49-Month CertificateReview

Best 5-Year CD Rates – Nationwide

Bank/Credit Union% APY RateReview
Achieva Credit Union4.20% ($75K min) 5-Year CDReview
United States Senate Federal Credit Union3.69% ($60K Min) 5-Year CDReview
Connexus Credit Union3.63% ($5K Min) 5-Year CDReview
Northpointe Bank3.60% ($1K min) 5-Year CDReview
Popular Direct3.60% ($10K Min) 5-Year CDReview
KS StateBank3.51% ($500 min) 5-Year CDReview
First Financial Northwest Bank3.50% ($100K Min) 5-Year CDReview
PenFed Credit Union3.50% ($1K Min) 5-Year CDReview
Utah First Credit Union3.50% ($500 Min) 5-Year CDReview
Northwest Federal Credit Union3.41% ($250K min) 5-Year CDReview
Interior Federal Credit Union3.39% ($100k min) 5-Year CDReview
First Internet Bank3.35% ($1K Min) 5-Year CDReview
M.Y. Safra Bank3.35% ($5K Min) 5-Year CDReview
Northwest Federal Credit Union3.35% ($100K min) 5-Year CDReview
CommunityWide Federal Credit Union3.30% ($2K min) 5-Year CDReview
MutualOne Bank3.30% (5K min) 61-Month CDReview
Citizens State Bank CD3.20% (1K min) 5-Year CDReview
Live Oak Bank3.20% ($2.5K Min) 5-Year CDReview
Northwest Federal Credit Union3.15% (1K min) 5-Year CDReview
Vio Bank3.15% ($500 Min) 5-Year CDReview
Ally Bank3.10% (No Min) 60-Month CDReview
Barclays3.10% ($0.01 Min) 60-Month CDReview
Capital One3.10% 5-Year CDReview
Marcus By Goldman Sachs 3.10% ($500 Min) 6-Year CD, 3.00% ($500 Min) 5-Year CDReview
Synchrony Bank3.10% ($5K Min) 5-Year CDReview
Vanguard3.05% (10k min) 5-Year Non-Callable CDReview
Virtual Bank3.05% ($10k Min) 60-Month CD Review
American Bank3.00% ($500 Min) 5-Year Term DepositReview
American Express3.00% (No Min) 60-Month CDReview
Mountain America Credit Union3.00% ($500 Min) 5-Year Term DepositReview
Navy Federal Credit Union3.00% ($1,000 Min) 5-Year CD SpecialReview
Quorum Federal Credit Union3.00% ($1,000 Min) 5-Year Term DepositReview
Colorado Federal Savings Bank2.90% ($5K Min) 5-Year CDReview
Fidelity2.90% 5-Year Brokered CDReview
iGoBanking2.87% ($1K Min) 5-Year CDReview
First Central Savings Bank2.84% ($500 Min) 5-Year CDReview
Dollar Savings Direct2.80% ($1K Min) 60-Month CDReview
MainStreet Bank2.75% ($500 Min) 5-Year CDReview
American Express2.70% 5-Year CDReview
TIAA Direct2.70% ($1K Min) 5-Year CDReview
Utah First Credit Union2.70% ($50K Min) 5-Year CDReview
Goldman Sachs2.65% ($500 Min) 72-Month CDReview
ConnectOne Bank2.63% ($500 min) 5-Year CDReview
United States Senate Federal Credit Union2.62% ($20K Min) Smart Share CertificateReview
American Heritage Federal Credit Union2.60% ($1K Min) 5-Year Term DepositReview
Goldman Sachs2.60% ($500 Min) 60-Month CDReview
GTE Financial2.58% 60-Month IRA CertificateReview
United States Senate Federal Credit Union2.56% ($1K Min) Smart Share CertificateReview
Advancial2.53% ($50K Min) 5-Year Jumbo CertificateReview
Alliant Credit Union2.50% ($25K Min) 60-Month Jumbo CDReview
Crestmark Bank2.50% ($25K Min) 5-Year CDReview
Dollar Savings Direct2.50% ($1K Min) 60-Month CDReview
State Bank of India Chicago2.48% ($50K Min) Senior Citizens CDReview
Hope Credit Union2.43% ($95K Min) 5-Year Share CertificateReview
Melrose Credit Union2.42% ($5K Min) 5-Year Share CertificateReview
Michigan State University Federal Credit Union2.38% ($100K Min) 5-Year Jumbo CertificateReview
Sallie Mae2.35% ($2.5K Min) 5-Year CDReview
Agriculture Federal Credit Union2.30% ($1K Min) 5-Year CDReview

Best 5-Year CD Rates – State/Local

Bank/Credit UnionState(s)% APY RateReview
Founders Federal Credit UnionSC4.06% ($500 min) 5-Year CDReview
Bank of UticaNY4.00% ($500 min) 60-Month CDReview
Fahey BankOH4.00% ($500 min) 60-Month CDReview
Sharonview Federal Credit UnionNC, SC, GA, TN, VA4.00% 64-Month CDReview
First Guaranty BankLA, TX3.75% (2500) 5-Year CDReview
Pelican State Credit UnionLA3.71% ($500 Min) 5-Year Share CertficateReview
Alaska USA Federal Credit UnionAK, AZ, CA, WA3.7% 5-Year CD ($250K Min)Review
Firelands Federal Credit UnionOH3.60% 5-Year CDReview
Shell Federal Credit UnionTX3.60% ($50K min) 5-Year CDReview
Neighbors Federal Credit UnionLA3.57% ($1,500 min) 60-Month CDReview
Texas Bay Credit UnionTX3.56% 60-Month CDReview
SRP Federal Credit UnionGA, SC3.54% 54-Month CDReview
Lebanon Federal Credit UnionPA3.51% 66-Month CDReview
Mountain America CUTX3.51% 60-Month CDReview
BMO Harris BankAZ, FL, IL, IN, KS, MN, MO, WA, WI3.50% ($5K Min) 5-Year CDReview
EFCU FinancialLA3.50% ($500 min) 5-Year CDReview
Rocky Mountain Credit UnionMT3.50% ($1,000 min) 5-Year CDReview
Whatcom Educational Credit UnionWA3.50% ($500) 5-Year CDReview
Arapahoe Credit UnionCO3.40% ($100) 5-Year CDReview
Lewis Clark Credit UnionID, WA3.35% (2500) 5-Year CDReview
Commerce National Bank & TrustFL3.30% ($500 min) 5-Year CDReview
ValleyStar Credit UnionNC, VA3.30% ($2,500 min) 5-Year CDReview
America First Credit UnionUT, AZ, NV3.25% ($500 Min) 5-Year CDReview
Cyprus Credit UnionUT3.25% ($1,000 Min) 5-Year CDReview
EFCU Financial LA3.25% ($500 Min) 5-Year CDReview
First National Bank of Long IslandNY3.25% 10-Year CDReview
Idaho Central Credit UnionID, NV3.25% ($500 min) 5-Year CDReview
Kemba Credit UnionIN, KY, OH3.25% ($500 min) 72-Month CDReview
National Bank of New York CityNY3.45% ($2.5K Min) 54-59 Month CDReview
Pinnacle BankAZ3.25% ($1K Min) 5-Year CDReview
Nusenda Credit UnionNM3.23% 5-Year CD ($200K Min)Review
Prairieland Federal Credit UnionIL3.15% ($100K Min) 5-Year Jumbo CDReview
Union Bank and Trust CO, IA, KS, MO, NE & SD3.14% ($25K Min) 5-Year CDReview
Deseret First Credit UnionUT3.10% ($500 Min) 5-Year CDReview
ELGA Credit UnionMI3.10% ($5,000 Min) 65-Month CDReview
BCUIL, WI3.05% ($500 Min) 65-Month CDReview
Horizon Credit UnionWA, ID, MT3.04% ($1,000 Min) 60-Month CDReview
Crescent BankLA3.03% ($1,000 Min) 5-Year CDReview
Capital Educators Federal Credit UnionID3.00% ($500 Min) 5-Year CDReview
Financial One Credit UnionMN3.00% ($1k Min) 5-Year CDReview
First National BankMD, NC, OH, PA, SC, WV3.00% ($5K Min) 61-Month CD SpecialReview
First National Bank of Long IslandNY3.00% 7-Year CDReview
Geddes Federal S&LNY3.00% 63-Month CDReview
Guilford Savings BankCT3.00% ($5k min) 60-Month CD SpecialReview
Icon Credit UnionID, OR3.00% ($500 min) 5-Year CDReview
Investors Community BankWI3.00% 5-Year CDReview
Mercantil BankFL, TX3.00% ($10K Min) 5-Year CDReview
Service Credit UnionMA, NH3.00% ($1K Min) 5-Year CDReview
Prairieland Federal Credit UnionIL3.00% ($1K Min) 5-Year CDReview
RCB BankOK, KS3.00% ($1K Min) 5-Year CDReview
Wright-Patt Credit UnionOH2.87% ($100k Min) 6-Year CDReview
BTH BankTX2.84% 5-Year CDReview
APG Federal Credit UnionMD2.80% ($100 min) 48-59 month CDReview
First National Bank of Long IslandNY2.80% 5-Year CDReview
State
Bank of Southern Utah		UT2.78% ($500 Min) 5-Year CDReview
Wright-Patt Credit UnionOH2.76% ($500 Min) 6-Year CDReview
InvesTex Credit UnionTX2.75% ($5K Min) 5-Year Promo CDReview
P1FCUID, MT, OR, WA3.15% ($500 Min) 5-Year CDReview
FirstBank of NebraskaNE2.68% ($1K Min) 5-Year CDReview
VyStar Credit UnionFL2.65% ($50K Min) 5-Year CDReview
First Bank of TennesseeTN2.62% ($500 Min) 5-Year CDReview
Shell Federal Credit UnionTX2.60% ($50K Min) 5-Year CDReview
Jefferson Financial Credit UnionLA2.58% ($10K Min) 5-Year Share/IRA CertificateReview
Achieva Credit UnionFL2.55% ($75K Min) 5-Year IRA Plus CDReview
America First Credit UnionAZ, NV, UT2.55% ($500 Min) 5-Year CDReview
First National BankMD, NC, OH, PA, SC, WV2.55% ($10K Min) 120-Month CD SpecialReview
Shell Federal Credit UnionTX2.55% ($500 Min) 5-Year CDReview
Utah First Credit UnionUT2.55% ($500 Min) 5-Year CDReview
Wasatch Peaks Credit UnionUT2.55 ($500 Min) 5-Year CertificateReview
ASI Federal Credit UnionLA2.53% ($1K Min) 5-Year Share CertificateReview
Bayer Heritage Federal Credit UnionOH, SC, WV2.53% 5-Year CertificateReview
Indiana Members Credit UnionIN2.53$ ($1K Min) 5-Year CDReview
Spokane Teachers Credit UnionID, WA2.53$ ($25K Min) 48-60 Month CDReview
Planters BankKT, TN2.53% ($2500 min) 60-Month CDReview
SouthEast BankTN2.51% ($1K Min) 5-Year CDReview
General Electric Credit UnionOH2.50% ($500 Min) 5-Year Share CertificateReview
American United Federal Credit UnionUT2.50% ($500 Min) 5-Year CDReview
Bank of UticaNY2.50% ($500 Min) 5-Year CDReview
Blue Hills BankMA2.50% ($500 Min) 59-Month Bump Up CD PromoReview
Granite Credit UnionUT2.50% ($500 Min) 5-Year CDReview
Idaho Central Credit UnionID, NV2.50% ($500 Min) 5-Year Promo CDReview
Northfield BankNJ, NY2.50% ($2,500 Min) 5-Year CDReview
University Federal Credit UnionUT2.50% ($500 Min) 5-Year Share CertificateReview
Utah Community Credit UnionUT2.50% ($500 Min) 5-Year CDReview
Community Financial Credit UnionMI2.30% ($1K Min) 57-Month CDReview
FirstBankFL2.25% ($1K Min) 60-Month CDReview
More
Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

About Anthony Nguyen

Anthony Nguyen, founder of Bankcheckingsavings.com, has a passion for finding the best deals, bank promotions, credit card offers, cash back, points & miles, and everything in between. Contact Anthony for media/advertising.

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