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Compare CD rates and lock in the right APY for your timeline

Compare certificates of deposit from banks, credit unions and brokerages side by side — APY, term, minimum deposit and early withdrawal terms. When you find a CD you like, inquire and we’ll follow up with the details.

Compare CD rates How CDs work
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Jump to:6-month1-year2-year5-yearNo-penaltyAll terms

If you open a CD today…

Matures around

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Top listed APY

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Top APY among our dated listings for that term. How we source rates.

5.00%

Highest widely available APY (3 years, credit union)

4.65%

Top 1-year bank or credit union CD (online bank)

2.15%

National average 1-year APY (Bankrate weekly survey, Oct 29, 2026)

63

Dated CD listings across 9 term groups

Step 1 of 3

Find CD options that match your needs

Tell us roughly how much you plan to deposit, how long you can leave it, and when the money will be ready. We’ll respond with CD options that fit — including terms you may not have considered — so you can compare them on your own schedule.

  • Takes about a minute
  • You choose whether anyone may call or text you
  • Nothing is reserved or opened on your behalf

Submitting doesn’t lock in a rate or guarantee availability. You always open a CD directly with the bank, credit union, or brokerage.

Find CDs that fit your timeline

Three quick steps. Free, no obligation, and no Social Security number needed. We’ll follow up directly with the institution details for CDs that match.

  1. Your CD
  2. Your goal
  3. Contact
Step 1 of 3: Your CD preferences

About how much do you plan to deposit?

Preferred CD term

Current rates

Compare today’s CD rates by term

Every listing shows the institution type, APY, term, minimum deposit, what we know about early withdrawal, and the type of source. Filter by term or deposit, sort by APY, and tick up to three CDs to compare side by side. Institution names aren’t published; inquire about any listing and we’ll share the details with you directly.

63 CD listings shown.

CD listings with APY, term, minimum deposit, early withdrawal terms and source date
ListingAPYTermMin. depositEarly withdrawalDisplay date ?Actions
Regional credit unionListing #N3KVM · details on inquiryCredit union · NCUAJumbo 5.23% 13 months $100,000 Confirm with institution
CD marketplace data		 Inquire about this CD for listing N3KVM, 5.23% 13 months
Credit unionListing #4R44M · details on inquiryCredit union · NCUA 5.00% 3 years $100 Confirm with institution
National rate survey		 Inquire about this CD for listing 4R44M, 5.00% 3 years
Credit unionListing #LZW7N · details on inquiryCredit union · NCUA 5.00% 5 years $100 Confirm with institution
National rate survey		 Inquire about this CD for listing LZW7N, 5.00% 5 years
Brokered CD from an FDIC-insured bankListing #H28NM · details on inquiryBrokered · FDIC up to 5.00% 2 years $1,000 No bank penalty; can be sold on the secondary market, possibly for less than you paid
Brokerage's published rates		 Inquire about this CD for listing H28NM, 5.00% 2 years
Online bankListing #8VQBV · details on inquiryBank · FDIC 5.00% 5 years $2,500 Confirm with institution
National rate survey		 Inquire about this CD for listing 8VQBV, 5.00% 5 years
Online bankListing #7V9ST · details on inquiryBank · FDIC 5.00% 5 years $10,000 Confirm with institution
National rate survey		 Inquire about this CD for listing 7V9ST, 5.00% 5 years
FDIC-insured bankListing #DUZXQ · details on inquiryBank · FDIC 5.00% 5 years $50,000 Confirm with institution
CD marketplace data		 Inquire about this CD for listing DUZXQ, 5.00% 5 years
Online bankListing #DK5HP · details on inquiryBank · FDIC 4.95% 4 years $10,000 Confirm with institution
Rate comparison publisher		 Inquire about this CD for listing DK5HP, 4.95% 4 years
FDIC-insured bankListing #MBG2F · details on inquiryBank · FDIC 4.91% 2 years $25,000 Confirm with institution
CD marketplace data		 Inquire about this CD for listing MBG2F, 4.91% 2 years
Online bankListing #X4P29 · details on inquiryBank · FDIC 4.85% 3 years $500 Confirm with institution
National rate survey		 Inquire about this CD for listing X4P29, 4.85% 3 years
Online bankListing #V8YNB · details on inquiryBank · FDIC 4.85% 4 years $500 Confirm with institution
National rate survey		 Inquire about this CD for listing V8YNB, 4.85% 4 years
Online bankListing #P467M · details on inquiryBank · FDIC 4.85% 5 years $500 Confirm with institution
National rate survey		 Inquire about this CD for listing P467M, 4.85% 5 years
Brokered CD from an FDIC-insured bankListing #85LCG · details on inquiryBrokered · FDIC up to 4.85% 18 months $1,000 No bank penalty; can be sold on the secondary market, possibly for less than you paid
Brokerage's published rates		 Inquire about this CD for listing 85LCG, 4.85% 18 months
Online bankListing #BB2TB · details on inquiryBank · FDIC 4.85% 18 months $1,500 Confirm with institution
National rate survey		 Inquire about this CD for listing BB2TB, 4.85% 18 months
Online bankListing #TYYEW · details on inquiryBank · FDIC 4.85% 3 years $10,000 Confirm with institution
Rate comparison publisher		 Inquire about this CD for listing TYYEW, 4.85% 3 years

APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures

Compare selected CDs

Interest estimates assume the APY holds for the full term and interest stays in the CD. Brokered CDs usually pay simple interest, so actual earnings may differ slightly.

What to compare

The best CD isn’t always the one with the biggest number

Two CDs can advertise nearly identical APYs and still be very different deals. Look at these six things before you commit.

Maturity date

When does the money come back? A CD that matures a week after a tuition bill or home closing is the wrong CD, whatever its rate.

APY

The annual percentage yield lets you compare CDs with different compounding schedules. Remember a 6-month CD earns only about half its stated APY by maturity.

Institution and eligibility

Is it a bank, a credit union you’d need to join, or a brokered CD? Some top rates are limited to members in certain states or professions.

Minimum deposit and payout

Minimums range from $0 to $100,000 or more. Check, too, whether interest compounds in the CD or is paid out monthly, quarterly, or at maturity.

Early withdrawal terms

Penalties can range from a few months’ interest to a year or more. Brokered CDs have no bank penalty but must be sold at market price.

Insurance and call features

Confirm FDIC or NCUA coverage and stay within $250,000 per institution and ownership category. For brokered CDs, check whether the CD is callable.

Anchor your search to a date

Start with when you’ll need the money, then look for the best rate that matures on or just before that day. Say you deposit in March and need the funds the following spring: a 12-month CD matures on a specific date next March, while an 11-month or 13-month CD might fit better on either side. Because pulling money out early usually costs you, choosing a maturity date that matches your plan is the simplest way to protect your return.

Find my maturity date

Planning tools

See when a CD would mature — and what it could earn

Pick an estimated deposit date and a term to see the projected maturity date. Switch to Estimated earnings to estimate interest using the top APY in our table for that term, or enter your own rate.

Want to spread money across several dates? Try the CD ladder builder, or open the full CD calculator.

CD term

Estimated maturity date

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Estimates are for illustration only. Actual dates depend on the institution’s settlement and business-day rules; actual earnings depend on the final rate, compounding method, and whether interest is paid out. Figures assume the APY holds for the whole term and interest stays in the CD.

Show matching CDs →

How it works

From comparing rates to opening a CD

We help you compare and narrow your options. You stay in control of every decision, and your money goes directly to the institution you choose.

  1. 1

    Compare dated rates

    Browse listings by term, deposit, and institution type. Each rate shows its source type, and we review listings regularly.

  2. 2

    Inquire about a CD

    Pick a listing, or just share your term, approximate deposit, ZIP code, and timing.

  3. 3

    Get a response

    We follow up directly with the institution details and full terms. If — and only if — you opt in, a participating provider may contact you too.

  4. 4

    Confirm final terms

    Check the current APY, minimum, penalty, and insurance details with the institution. Its disclosures are what count.

  5. 5

    Open the account directly

    Apply with the bank or credit union, or through your brokerage for brokered CDs. Approval is up to them.

  6. 6

    Fund and track maturity

    Fund the CD, note the maturity date and grace period, and set a reminder to decide what happens next.

Read the full walkthrough

CD basics

Bank CDs and brokered CDs, step by step

Both are deposits issued by insured institutions. The difference is where you buy and hold them — and what happens if you need your money early.

Bank or credit union CD

  1. Choose the institution. It sets the APY, term, minimum, and penalty.
  2. Open and fund the CD directly with that bank or credit union.
  3. Interest builds — usually compounding inside the CD.
  4. At maturity you withdraw or renew; early withdrawal triggers the penalty.

Brokered CD

  1. Issuing bank sets the rate, term, maturity date, and interest schedule.
  2. Brokerage account — you buy the CD through an approved account.
  3. You hold the CD in that account; interest is usually paid out as simple interest.
  4. At maturity principal and final interest return to your account as cash. Before then, you can only sell it on the secondary market.

CompareCDRate.com doesn’t issue CDs, open accounts, or hold funds. Brokered CD considerations · What is a CD?

Transparency

What you can count on from us

Clear about dates

The display date on each listing is today’s date, not a verification date. We review listings regularly and keep a dated source record for every rate.

Rate methodology

Open about money

We may be paid by providers. We say so plainly and explain what that can and can’t influence.

How we make money

Clear listing standards

We publish what a listing must include and when we remove it.

Listing standards

Your money stays with you

We never take deposits, open accounts, or carry out transactions.

Editorial policy

CD rate snapshot · display date

Top listed APY by term vs. the national average

The best CDs in our table pay well over twice the national average at most terms. Rates are also unusually flat across terms: the top 4.40% for 6 months isn’t far below the 5.00% on offer for 5 years, so a shorter term doesn’t cost much yield right now.

Top listed APY and national average by term
TermTop listed APYListingNational average
3-Month4.30%Online bank (3 months · #QNDGJ)—
6-Month4.40%Credit union (6 months · #GVTS9)—
9-Month4.35%Online bank (9 months · #8QLPA)—
1-Year4.65%Online bank (1 year · #65QCX)2.15%
18-Month4.85%Online bank (18 months · #BB2TB)—
2-Year4.91%FDIC-insured bank (2 years · #MBG2F)1.92%
3-Year5.00%Credit union (3 years · #4R44M)1.75%
4-Year4.95%Online bank (4 years · #DK5HP)1.94%
5-Year5.00%Credit union (5 years · #LZW7N)1.80%

Top listed APY is the highest widely available rate in our table for that term group (excluding jumbo, regionally restricted and brokered “up to” listings) and may come with membership requirements or minimums. Institution details are shared directly when you inquire. National averages: Bankrate weekly survey, Oct 29, 2026. Editorial policy · Editorial team

Where you’re starting from

Pick the situation that sounds like you

“I need the money on a specific date.”

Match a CD’s maturity date to a planned purchase, tax bill, tuition payment, or other future expense so the money is ready when you are.

Start with this goal

“My CD is about to mature.”

Compare options before the grace period ends. Letting a CD renew automatically at a big bank can mean earning a fraction of today’s top rates.

Plan for my maturity

“I have cash I won’t need for a while.”

Lock in a fixed rate for a defined term, or build a ladder so part of your savings becomes available every year.

Explore my options

Stay informed

Get an email when rates move

Choose a term and deposit range and we’ll email you when listings change meaningfully. No spam, and you can unsubscribe in one click.

FAQ

Common questions about CDs

Can’t find what you need? Visit the learning center, read our rate methodology, or contact us.

CD basics

What is a certificate of deposit (CD)?
A CD is a savings account with a fixed term. You agree to leave a lump sum with a bank or credit union for a set period — anywhere from a few months to several years — and in return the institution pays interest at a rate stated up front. Unlike a regular savings account, the rate on a standard CD does not change during the term.
How does a CD term work?
The term starts on the day your deposit is credited (for brokered CDs, the settlement date) and ends on the maturity date. On that date you can withdraw your principal and interest, move it elsewhere, or let it renew. Most banks give you a short grace period, often 7 to 10 days, to decide before an automatic renewal locks the money in again.
What does APY mean?
APY stands for annual percentage yield. It shows what you would earn over one year, including the effect of compounding, so you can compare CDs on equal footing. Banks are required to quote it under the federal Truth in Savings rules. Keep in mind that a CD shorter than a year earns only a fraction of the annual figure over its life — a 6-month CD at 4.00% APY earns roughly 2% on your money by maturity.
Is APY the same as how often interest is paid?
No. APY is an annualized measure of return. Payment frequency is simply when interest lands — it might be credited monthly, quarterly, twice a year, or all at once at maturity. Two CDs with the same APY can pay you on very different schedules, which matters if you rely on the interest as income.
What happens when my CD matures?
You receive your principal plus the interest earned. With a bank or credit union CD, the account usually renews automatically for a similar term at whatever rate the institution is offering then, unless you give instructions during the grace period. Brokered CDs normally do not renew; the money returns to your brokerage account as cash.
Can I take money out of a CD early?
Usually, but it costs you. Most CDs charge an early withdrawal penalty measured in days or months of interest, and on some CDs the penalty can eat into principal. Federal rules require a penalty of at least seven days’ simple interest if you withdraw within the first six days, and beyond that each institution sets its own penalty. No-penalty CDs are the exception. See our guide to early withdrawal penalties.
How is CD interest taxed?
CD interest is generally taxed as ordinary income at the federal level and, in most states, at the state level too. It is typically taxable in the year it is credited to your account, even if you leave it in the CD. Institutions send Form 1099-INT when you earn $10 or more. CDs held in an IRA follow the IRA’s tax rules instead. A tax professional can tell you how this applies to you.

Comparing CD rates

Why are online bank CD rates higher than big-bank rates?
Online banks and many credit unions have lower overhead and often use CD specials to attract deposits, so they tend to pay far more than the national average. Some large branch banks pay well under 1% APY on standard CDs. That gap is why comparing before you renew can make a real difference.
How current are the rates on CompareCDRate.com?
We review the full table regularly and keep a dated source record for every listing. The display date on each listing is simply today’s date (U.S. Eastern Time) — it isn’t the date a rate was last verified. Rates can change daily, so treat every figure as a starting point and confirm it with the institution before you open an account. Our rate methodology explains the process.
Should I pick the highest APY I can find?
Not automatically. Check that the term matches when you will need the money, that you can meet the minimum deposit, what the early withdrawal penalty is, whether you must join a credit union, and that your total deposits at that institution stay within insurance limits. A slightly lower APY that fits your timeline is usually the better choice.
Should I choose a short or long CD term?
Longer terms lock in a rate for more time, which helps if rates fall, but they tie up your money and usually carry larger penalties. Shorter terms keep you flexible. Today the gap between short and long terms is small, so many savers match the term to a specific date or spread money across several terms with a CD ladder.

Brokered CDs

What is a brokered CD?
A brokered CD is issued by a bank but bought and held through a brokerage account at a major brokerage firm. Because one brokerage lists CDs from many banks, you can compare and buy CDs from several issuers without opening a separate account at each bank.
Are brokered CDs FDIC insured?
Brokered CDs issued by FDIC-insured banks are generally eligible for FDIC coverage up to the standard limits, provided the brokerage keeps proper records of who owns each deposit. Coverage is counted together with any other deposits you hold at the same issuing bank. The brokerage itself is not an FDIC-insured bank.
What does non-callable mean?
A non-callable CD cannot be redeemed early by the issuing bank, so you know the maturity date and the rate you’ll earn for the full term. A callable CD lets the bank end it early — typically when rates have fallen — which leaves you reinvesting at lower rates. Always check whether a brokered CD is callable before buying.
Can I get out of a brokered CD before maturity?
Brokered CDs generally don’t have a bank early withdrawal penalty. Instead, you can try to sell the CD on the secondary market through your brokerage. The price depends on interest rates at the time and may be less than you paid, and a buyer is not guaranteed. Many brokered CDs do allow heirs to redeem at face value if the owner dies (a “survivor’s option”).
Do I need a brokerage account to buy one?
Yes. You need an approved brokerage account before you can purchase a brokered CD. Opening one is usually free at major firms, but the application must be reviewed and funded first. Read our brokered CD considerations before you start.

Insurance and safety

How does FDIC insurance apply to CDs?
Deposits at FDIC-insured banks, including CDs, are covered up to $250,000 per depositor, per insured bank, for each ownership category (such as individual, joint, or certain retirement accounts). Coverage combines all your deposits in the same category at the same bank — so a CD and a savings account at one bank share the same limit.
Are credit union CDs (share certificates) insured?
Yes. Share certificates at federally insured credit unions are covered by the National Credit Union Share Insurance Fund, administered by the NCUA, with the same $250,000 standard limit per member, per insured credit union, per ownership category.
How can I insure more than $250,000?
You can spread deposits across different insured institutions, use different ownership categories (for example, individual and joint accounts), or buy brokered CDs from several issuing banks through one brokerage. Each strategy has rules, so check the FDIC’s or NCUA’s coverage estimators. Our insurance guide walks through the basics.

Using CompareCDRate.com

Is CompareCDRate.com a bank or financial adviser?
No. We are an informational comparison and marketing website. We don’t issue CDs, open accounts, hold money, carry out transactions, or give personalized financial advice.
Does submitting a request lock in a rate?
No. A request simply tells us what you’re looking for so we can respond. Rates are set by each institution and are only secured when you open and fund an account directly with that institution under its terms.
Why do you ask for a phone number?
Phone is optional. If you provide it, we can confirm details of your request. You may also choose, with a separate optional checkbox, to allow participating providers to call or text you about CD options. Leaving that box unchecked doesn’t stop you from submitting.
Why don’t you show bank names?
Listings show the APY, term, minimum deposit, institution type, insurance and source type, so you can compare on the terms that matter. Institution names aren’t published on the site. When you inquire about a listing, we follow up with you directly with the institution details and full terms. Inquiring is free and doesn’t commit you to anything.
How do you make money?
Our tools are free to use. We may be paid by financial providers or marketing partners, for example when you choose to be connected with a provider. That compensation can affect which providers appear and where, but not the rates we report. Details are on our how we make money page.
How is my information used?
We use what you submit to respond to your request and, only if you give consent, to share it with participating providers who may contact you. We don’t sell your information for money. Our Privacy Policy covers everything in detail, including how to opt out.

Begin with the date you’ll need the money

Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.

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