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Very Best CD Rates Home Page for the Highest CD Rates Current: Top CD Rate Survey - High Yield CD Rates |
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| Historical
CD
Rates |
Our regular surveys of CD and Savings rates help you find the top rates offered by banks with FDIC insurance and credit unions with NCUA insurance. Best Savings Account Rates | iBonds EE Savings Bond Rates |
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| CDs
with FDIC from Banks You Can Trust |
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"Highest CD Rates Survey by Term"
(for a $10,000 Certificate of Deposit)
Our Historical CD Rate Survey Database
Make sure you read the article: Beware of Annuities Bottom line: It never hurts to ask the teller if better rates are available when you do your homework! |
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You can often get higher
than advertised rates at your local branch if
you do your homework. Print out the "Highest CD Rate Survey" above
and bring it in with you. Also print
out some of the advertisements showing rates
advertised on your bank's competing web sites so
you have proof. (Make sure the date shows
on your printout so they know it is current.) It
costs money to get new accounts so Banks often
give you a deal if you are ready to walk out the
door with a cashier's check after you close
your CDRates
and terms may change so read the fine print
and make sure you get FDIC
insurance!!!!
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Find the best (highest
paying) CD rates from this survey. Top CD
Rates: This is our latest
survey of the APY interest rates paid for
certificates of deposit by term followed by a list
of all banks and credit unions in our database
that includes but is not limited to: Citibank,
BofA, Chase, Wachovia, Taunus, Wells Fargo, HSBC,
US Bancorp, Suntrust, ABN, Citizens Financial,
Capital One, National City, PenFed, World Savings
and many more.
|
 |
| Bank Name |
As Of |
Best Rate (APY) |
Term for listed CD Rate |
| 1st Source
Bank of South Bend, Indiana (IN) |
11/25/08 |
4.51% |
2
Years |
| AbleBanking | 11/6/12 |
1.45% |
4-years |
| ABN Amro North America | |||
| Addison
Avenue
Federal Credit Union |
7/15/09 |
1.60% |
1-Yr |
| Advanta
Bank
Corp |
9/3/07 |
5.40% |
18
months |
| AIG
Bank |
11/30/10 |
2.20% |
60 months |
| Allied
First
Bank of Naperville, Illinois (IL) |
1/7/09 |
4.50% |
4
years |
| AloStar Bank of Commerce becoming Nexity Bank | 7/12/11 |
1.27% |
12 months |
| Ally Bank
(formerly
GMAC Bank - Story) |
5/23/09 |
2.80% |
1
Yr |
| AmTrust Direct | 7/25/07 |
5.41% |
1
Year |
| Apple
Bank |
2/28/08 |
3.75% |
1,
2 & 5 yrs |
| Ascencia
Internet Bank Louisville, Kentucky (KY) PBI Bank |
4/26/11 |
1.51% |
2
yrs |
| Astoria
Federal
Savings Bank |
6/9/11 |
2.255% |
4-years |
| Aurora
Bank, FSB in Wilmington, Deleware (DE) |
7/28/09 |
1.71% |
6 months |
| Bank of America | 9/9/09 |
3.01% |
5
years |
| Bank of Baroda |
11/24/12 |
0.60% |
1 year |
| Bank
of
Hawaii (Bankoh) |
|||
| Bank of Internet USA | 11/09/10 | 1.15% |
6-mo
CD |
| Bank
of
Ireland |
11/24/10 |
3.00% |
1-Yr |
| Bank
of the West |
11/09/07 |
1.48% |
1
YR CD |
| BankUnited
of Florida |
8/17/12 |
1.00% |
3-years |
| Bancwest Corp. | |||
| Barclays
Bank |
5/29/12 | 1.25% |
2 year CD |
| BBCN Bank |
11/6/12 |
1.00% |
12-month CD |
| BB&T Corp. | |||
| BNP
Paribas
Bank |
|||
| Borel
Private Bank & Trust Company |
|||
| Capital
One
360 Bank |
08/20/18 |
3.00% |
5 Years |
| Capital One Financial Corp. | |||
| Cattleman's
National
Bank Corporation |
|||
| Centennial Bank, Fountain Valley, Calif. (CA) | 5/8/08 |
4.13% |
3
years |
| Charles Schwab Corp. | |||
| Chase
Bank |
11/28/12 |
1.01% |
120 months |
| Christian Community Credit Union | 11/15/10 |
2.90 |
5-yrs |
| CIT
Bank |
10/13/15 |
1.30% |
1 year |
| Citibank | 9/9/09 |
3.44% |
5-years |
| Citizens Bank - Citizens Financial Group, Inc | |||
| Champion Bank of St. Louis, Missouri (MO) | |||
| Colorado
Federal
Savings Bank; Greenwood Village, Colorado (CO) |
8/26/13 |
1.00% |
1 year CD |
| Commerce
Bancorp,
Inc. |
|||
| Comerica Bank | 10/29/08 |
3.75% |
6
to 10 years |
| Connexus Credit Union | 4/11/16 |
1.33% |
1-year CD |
| Countrywide Bank | 03/06/08 | 4.10% |
6
months |
| Corus Bank |
2/24/09 |
2.73% |
5
- yrs |
| CTBC Bank | 5/18/15 |
1.10% |
15 months |
| Discover
Bank, New Castle, Delaware (DE) |
9/7/09 |
3.85% |
10
Years |
| Dollar Savings Direct (NY) 866-395-8693 | 6/12/17 | 1.25% | 6 months |
| Doral Bank | 12/9/13 |
1.50 |
5 year |
| Downey
Savings |
10/29/08 |
4.15% |
12
months |
| E-Loan | 5/4/08 |
4.60% |
5
Years |
| E*Trade
Bank |
12/13/07 |
5.25% |
6
Months |
| Eastern
Savings
Bank |
3/10/08 |
3.70 |
2
years |
| Ever Bank
of Jacksonville, FL |
2/27/18 | 2.30% |
2.5 years |
| Excel National Bank | 2/10/08 |
4.00% |
3,
6 & 12 months |
| FHLB |
12/14/07 |
5.74% |
Matures
2023 |
| First
Century
Bank, N.A. Gainesville, Georgia (GA) |
11/09/09 |
||
| Fifth Third Bancorp | |||
| First National Bank |
9/2/14 |
1.61% |
60 Months |
| First
Niagara Bank |
1/26/12 |
0.20% |
30 months |
| First
Republic
Bank |
12/22/04 |
4.85% |
4-mo
Liquid
CD |
| Flagstar
Bank |
12/07/07 |
5.01% |
2
years |
| Flagstar
Bank
Direct |
08/03/10 |
1.25% |
6 months |
| Florida Bank,
Florida (FL) |
|||
| FNBO Direct | 9/2/14 |
1.15% |
60 Months |
| Fremont Bank |
10/12/12 |
0.75% |
5 years |
| Fultdirect.com
Herndon, Virginia
(VA) |
12/21/08 |
3.57% |
6
months |
| Geauga
Savings
Bank, Newbury, Ohio (OH) |
8/8/08 |
4.41% |
2
years |
| GE Capital Retail Bank |
4/28/13 |
1.05% |
1 Year |
| Golden 1 CU | 11/10/10 |
2.15% |
5
Years |
| Goldman Sachs Bank | 2/27/18 | 2.05% | 1 Year |
| Goldwater
Bank; Scottsdale, Arizona (AZ) |
12/02/09 |
2.99% |
3
years |
| GMAC Bank
now |
11/06/08 |
5.15% |
5-years |
| Golden Bay Federal Credit Union | 7/25/07 |
4.54% |
5
Years |
| Harris Financial Corp. | |||
| Herigage
Bank
NA |
10/04/10 |
2.10% |
5-yr CD |
| HSBC Bank | 9/9/09 |
2.00% |
12
months |
| iGObanking - Lake Success, New York (NY) | 8/26/13 |
2.05% |
5 years |
| Imperial
Capital
Bank, LaJolla, California (CA) |
8/28/08 |
4.10% |
6
month |
| Incredible Bank | 4/26/11 |
1.30 |
1 year |
| Indymac
Bank |
12/31/07 |
5.05% |
6
months |
| ING
Direct |
12/15/09 |
2.00% |
1
Year |
| IB:
Innovative Bank |
6/30/09 |
2.15% |
12
Months
|
| Intervest National Bank | 10/24/09 | 3.05% |
4
years |
| J.P.
Morgan Chase Bank |
11/28/12 |
1.01% |
10 Year CD |
| Keycorp | |||
| LA
Financial
Credit Union |
03/06/08 |
4.75% |
5
years |
| Lone
Star
Bank - Houston, Texas (TX) |
7/28/09 |
3.35% |
4
Years |
| Luther
Burbank
Savings |
2/15/11 |
1.30% |
12
Months |
| Marcus by Goldman Sachs Bank | 2/27/18 | 2.60% | 5 years |
| Marshall & Ilsley Corp. (M&I Bank) | 12/31/07 |
4.00% |
6
Months |
| M&T Bank | 6/24/08 |
4.00% |
3
Years |
| Mechanics
Bank |
5/12/12 |
1.05% |
60 mo. (5 yrs.) |
| Melrose
Credit
Union |
4/28/13 |
1.96% |
5 Years |
| Meriwest
Credit
Union |
4/21/08 |
7.50%
|
12
Months
|
| MetLife Bank of Bridgewater, New Jersey (NJ) | 9/7/09 |
2.15% |
18-months |
| Metropolitan
National
Bank |
06/14/10 |
2.50 |
3-years |
| Millennium
Bank |
10/17/07 |
8.75% |
5
years |
| National
Bank
of Kansas City Missouri (MO) |
1/13/10 |
2.75% |
3-years |
| National City Bank | 5/18/08 |
4.55% |
3
years |
| Nationwide
Bank |
12/10/12 |
1.80% |
5 years |
| Navy
Federal
Credit Union |
2/24/09 |
4.60% |
30
Months |
| NetBank | 7/25/07 |
5.40% |
18
Months |
| New Dominion Direct Bank | 3/10/08 |
3.77% |
6
month |
| NexBank | 12/09/12 |
1.60% |
5 years |
| Nexity
Bank, Birmingham, Alabama (AL) |
5/24/11 |
1.12% |
6
months |
| newDominionDIRECT.com
|
7/6/09 |
2.40% |
24 months |
| Northern Trust Corp. | |||
| Nova
Bank in Philadelphia, PA |
06/14/10 | 1.75% |
18 Months |
| Old National Bank | |||
| OnBank,
Oakfield,
New York (NY) |
6/13/08 |
4.15% |
2
years |
| OneWest
Bank,
FSB |
5/24/11 |
2.14% |
4 years |
| Orchard
Bank |
|||
| Pacific
Mercantile
Bank |
4/27/11 |
1.26% |
1
Year |
| Pacific
Premier
Bank |
8/28/09 |
2.55% |
2
years |
| Pacific Western Bank |
8/5/14 |
1.05% |
11-Months |
| PNC
Financial
Services Group |
|||
| Pentagon
Federal
Credit Union (PenFed
CU) |
12/31/07 | 5.25% |
7
Years |
| Popular, Inc. | |||
| Presidential
Bank,
FSB of Bethesda, Maryland (MD) |
1/14/09 |
3.25% |
2
Years |
| Rabobank:
Amgen Tour of California Sponsor |
2/21/09 |
2.53% |
1
Year |
| Regions
Bank |
|||
| Ridgewood Bank | 7/25/07 |
5.20% |
30
Months
(2.5 yrs) |
| Sallie Mae Bank | 5/7/2010 |
3.00% |
5-yrs |
| Santander Bank | 1/28/18 | 1.71% | Money Fund |
| Saxo Bank -
Amgen Tour of California Team |
|||
| Security Savings Bank | 7/25/07 |
5.20% |
17
Months |
| Security
Service
Federal Credit Union |
6/9/11 |
3.50% |
7 years |
| South
Carolina
Bank and Trust |
|||
| Star
One Credit Union |
3/11/08 |
2.40% |
1
& 2 Years |
| State Street Corp. | |||
| Stonebridge
Bank |
7/9/10 |
3.0% |
5-years |
| Suntrust
Banks,
Inc. |
11/10/10 |
2.00% |
63
Months |
| State
Bank
of India, New York, NY & Chicago |
2/1/10 |
1.76% |
1 year |
| State Employees Credit Union Raleigh, NC. | 11/10/10 |
2.50% |
5 yrs |
| Synchrony Bank |
8/20/18 |
2.65 |
2 yrs |
| Taunus Corp. |
|||
| Tennessee Commerce Bank in Franklin, Tennessee, (TN) | 4/27/11 |
2.15% |
3-years |
| Torrey Pines Bank | 3/21/12 |
||
| The Golden1 CU | 11/10/10 |
2.15% |
5
Years |
| TAB Bank - Transportation Alliance Bank | 08/15/11 |
2.06% |
4 years |
| TriState
Capital
Direct - Pittsburgh, Pennsylvania (PA) |
7/28/09 |
2.50% |
2-years |
| UFBDirect.com | 12/15/09 |
1.55% | 6
Month CD |
| UmbrellaBank.com |
9/7/09 |
2.15% |
12
months |
| Union
Bank |
11/9/11 |
0.50 |
2-years |
| United
Americas
Bank, Atlanta Georgia (GA) |
12/02/09 |
1.60% |
6-months |
| USAA | 9/8/10 |
3.92% |
7-years |
| U.S. Bancorp | |||
| US
Bank |
2/7/10 |
3.10% |
59 Months |
| Valley National Bank |
10/12/12 |
0.66% |
72 Months |
| Vanguard
Valley
Forge, Pennsylvania (PA) |
7/25/07 |
5.25% |
Daily
Savings |
| VirtualBank,
Palm
Beach Gardens, Florida (FL) |
11/4/08 |
4.45% |
1
Year |
| Wachovia
Bank |
8/28/09 |
1.50% |
19
months |
| Washington
Mutual
- WaMu |
7/1/09 |
2.00% |
2-YEARS |
| Wells
Fargo
Bank |
9/9/09 |
2.00% |
25
months |
| World
Savings |
11/04/07 |
N/A |
Bought
by
Wachovia |
| Xenith Bank |
|||
| Zions Bancorporation | |||
| Zions
Bank Salt Lake City, Utah (UT) |
8/26/13 |
0.80% |
5 years |
| Survey of Rates by
Term Definition: A Certificate of Deposit or CD is certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest. Often there is a penalty for early withdrawal (taking your money out before the specified period of time.) Definition: A Liquid Certificate of Deposit gives you a CD rate that is usually better than most checking accounts while allowing more fluid access to your money. That is you can take money out of the CD before it matures. They usually pay higher rates than the offering bank's money market account but not the top rates of CDs held to the full term. They are sort of "half and half" and thus offer rates that are in-between the two. Rates and terms may change at any time. Contact the listed bank for their current rates. Warning: Banks and credit unions with high promotion rates to attract new deposits often have high early withdrawal penalties to recover the benefits should you need your money before the agreed upon term. Make sure you read the fine print before making a decision. If you think you might need some of your money before 5 years, for example, then you should consider splitting it into several CDs with multiple terms. Perhaps split the money into 5 CDs with terms of 1, 2, 3, 4 and 5 years. If you don't need the money when the 1 yr CD matures, you can roll it over into a new 5YR CD then do the same each year until you have a ladder of 5YR CDs that mature one per year. |