Compare CD rates
Best CD Rates: Compare Top APYs
Compare 63 dated CD listings from banks, credit unions and brokerages. Filter by term, deposit, and institution type, then select up to three CDs to compare side by side.
63 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| Online bankListing #P9HCH · details on inquiryBank · FDIC | 4.82% | 2 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing P9HCH, 4.82% 2 years |
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| Online bankListing #KAKY9 · details on inquiryBank · FDIC | 4.80% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing KAKY9, 4.80% 2 years |
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| Online bankListing #7HC83 · details on inquiryBank · FDIC | 4.80% | 3 years | No minimum | 270 days of interest (as reported for the 3-year term) | National rate survey |
Inquire about this CD for listing 7HC83, 4.80% 3 years |
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| Online bankListing #ELW9X · details on inquiryBank · FDIC | 4.80% | 5 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing ELW9X, 4.80% 5 years |
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| Brokered CD from an FDIC-insured bankListing #5GJBA · details on inquiryBrokered · FDIC | up to 4.80% | 1 year | $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 5GJBA, 4.80% 1 year |
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| Online bankListing #XU3ZP · details on inquiryBank · FDIC | 4.75% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing XU3ZP, 4.75% 2 years |
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| Online bankListing #9HP5B · details on inquiryBank · FDIC | 4.75% | 5 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 9HP5B, 4.75% 5 years |
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| Online bankListing #KNXAS · details on inquiryBank · FDIC | 4.65% | 3 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing KNXAS, 4.65% 3 years |
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| Online bankListing #65QCX · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 65QCX, 4.65% 1 year |
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| Online bankListing #FXH53 · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing FXH53, 4.65% 1 year |
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| Online bankListing #4NLPG · details on inquiryBank · FDIC | 4.65% | 11 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 4NLPG, 4.65% 11 months |
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| FDIC-insured bankListing #K6NYM · details on inquiryBank · FDIC | 4.64% | 1 year | $25,000 | Confirm with institution | Financial news publisher |
Inquire about this CD for listing K6NYM, 4.64% 1 year |
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| Online bankListing #LCLMJ · details on inquiryBank · FDIC | 4.60% | 3 years | $2,500 | Confirm with institution | National rate survey |
Inquire about this CD for listing LCLMJ, 4.60% 3 years |
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| Online bankListing #Z4SX2 · details on inquiryBank · FDIC | 4.60% | 1 year | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing Z4SX2, 4.60% 1 year |
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| Brokered CD from an FDIC-insured bankListing #R9QVW · details on inquiryBrokered · FDIC | up to 4.58% | 9 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 R9QVW, 4.58% 9 months |
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| Online bankListing #YS27D · details on inquiryBank · FDIC | 4.55% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing YS27D, 4.55% 1 year |
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| Online bankListing #6V2NC · details on inquiryBank · FDIC | 4.51% | 15 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6V2NC, 4.51% 15 months |
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| FDIC-insured bankListing #CSJSN · details on inquiryBank · FDIC | 4.50% | 11 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing CSJSN, 4.50% 11 months |
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| Online bankListing #MAG3B · details on inquiryBank · FDIC | 4.50% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing MAG3B, 4.50% 1 year |
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| Online bankListing #2C85Y · details on inquiryBank · FDIC | 4.50% | 15 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 2C85Y, 4.50% 15 months |
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| Credit unionListing #6ND7M · details on inquiryCredit union · NCUA | 4.50% | 1 year | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6ND7M, 4.50% 1 year |
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| Online bankListing #YJQHA · details on inquiryBank · FDIC | 4.50% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing YJQHA, 4.50% 1 year |
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| Online bankListing #59G3S · details on inquiryBank · FDIC | 4.50% | 1 year | $2,500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing 59G3S, 4.50% 1 year |
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| Online bankListing #PEHZ3 · details on inquiryBank · FDICNo-penalty | 4.46% | 1 year | $1,000 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing PEHZ3, 4.46% 1 year |
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| Credit unionListing #GVTS9 · details on inquiryCredit union · NCUA | 4.40% | 6 months | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing GVTS9, 4.40% 6 months |
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| Online bankListing #96QQP · details on inquiryBank · FDIC | 4.40% | 6 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 96QQP, 4.40% 6 months |
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| Online bankListing #G8XVC · details on inquiryBank · FDIC | 4.40% | 6 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing G8XVC, 4.40% 6 months |
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| Online bankListing #8UMTJ · details on inquiryBank · FDIC | 4.40% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 8UMTJ, 4.40% 1 year |
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| Online bankListing #8QLPA · details on inquiryBank · FDICNo-penalty | 4.35% | 9 months | $500 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing 8QLPA, 4.35% 9 months |
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| Brokered CD from an FDIC-insured bankListing #F4MZW · details on inquiryBrokered · FDIC | up to 4.35% | 6 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 F4MZW, 4.35% 6 months |
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| Credit unionListing #J9KEW · details on inquiryCredit union · NCUA | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing J9KEW, 4.35% 1 year |
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| Online bankListing #KFVQV · details on inquiryBank · FDIC | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing KFVQV, 4.35% 1 year |
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| Online bankListing #QQRS2 · details on inquiryBank · FDIC | 4.35% | 6 months | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing QQRS2, 4.35% 6 months |
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| Online bankListing #QNDGJ · details on inquiryBank · FDIC | 4.30% | 3 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing QNDGJ, 4.30% 3 months |
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| Credit unionListing #WEWKU · details on inquiryCredit union · NCUA | 4.30% | 6 months | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing WEWKU, 4.30% 6 months |
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| Online bankListing #3GM5M · details on inquiryBank · FDIC | 4.30% | 3 months | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 3GM5M, 4.30% 3 months |
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| Brokered CD from an FDIC-insured bankListing #V3S8V · details on inquiryBrokered · FDIC | up to 4.27% | 3 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 V3S8V, 4.27% 3 months |
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| FDIC-insured bankListing #BPEX5 · details on inquiryBank · FDIC | 4.25% | 1 year | $500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing BPEX5, 4.25% 1 year |
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| Credit unionListing #AE42P · details on inquiryCredit union · NCUANo-penalty | 4.25% | 11 months | $500 | None — penalty-free early closure (special offer) | Deposit-rate newsletter |
Inquire about this CD for listing AE42P, 4.25% 11 months |
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| Online bankListing #W5PVY · details on inquiryBank · FDIC | 4.25% | 6 months | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing W5PVY, 4.25% 6 months |
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| FDIC-insured bankListing #6C5CL · details on inquiryBank · FDIC | 4.25% | 10 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6C5CL, 4.25% 10 months |
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| Online bankListing #6DP3W · details on inquiryBank · FDICNo-penalty | 4.25% | 11 months | $1,000 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing 6DP3W, 4.25% 11 months |
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| Online bankListing #63V3T · details on inquiryBank · FDIC | 4.20% | 6 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 63V3T, 4.20% 6 months |
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| FDIC-insured bankListing #R899Z · details on inquiryBank · FDIC | 4.20% | 6 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing R899Z, 4.20% 6 months |
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| Online bankListing #GGGK4 · details on inquiryBank · FDIC | 4.10% | 3 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing GGGK4, 4.10% 3 months |
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| Online bankListing #XNHRT · details on inquiryBank · FDICNo-penalty | 3.80% | 13 months | $500 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing XNHRT, 3.80% 13 months |
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| Online bankListing #DVDX8 · details on inquiryBank · FDICNo-penalty | 3.75% | 13 months | $5,000 | None — allows three penalty-free withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing DVDX8, 3.75% 13 months |
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| Online bankListing #KHV5U · details on inquiryBank · FDICNo-penalty | 2.90% | 11 months | No minimum | None — penalty-free early closure | Deposit-rate newsletter |
Inquire about this CD for listing KHV5U, 2.90% 11 months |
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No listings match these filters. Try a different term or deposit amount, or tell us what you're looking for.
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
How we compile these CD rates
We gather published rates from reputable rate-tracking sources and from institutions’ own pages, record the source and the date each rate was reported, and review the table regularly. We don’t invent or estimate rates. Institution names aren’t published on the site; we share them directly when you inquire. If a source reports a range (for example, a brokerage’s “rates up to”), we label it that way. Read the full rate methodology.
How to use this table
- Start with your term. Choose the term that ends when you’ll need the money.
- Set your deposit. The “I can deposit” filter hides CDs whose minimum is above your amount.
- Check institution type. Credit union rates may require membership; brokered CDs require a brokerage account.
- Open “Details” for availability, insurance, and the type of rate source.
- Select “Inquire about this CD” and we’ll follow up with the institution details directly.
- Compare up to three CDs side by side, including estimated interest on your deposit.
Frequently asked questions
Who has the best CD rates today?
Among widely available CDs in our table, the highest rate right now is 5.00% APY on a 3 years CD from a credit union (listing #4R44M; membership required, $100 minimum). Inquire about that listing and we’ll share the institution details with you directly. Some regional credit unions and jumbo certificates pay more but limit who can open them — filter the table by institution type and deposit amount to see what fits you.
Are CD rates going up or down?
CD rates follow the broader interest-rate environment, which changes with Federal Reserve policy and market expectations. Nobody can reliably predict the direction. A CD ladder can reduce the risk of committing all your money at the wrong moment.
How often do CD rates change?
Some banks adjust rates weekly or even daily, while others hold steady for months. That’s why we review our listings regularly — always confirm the live rate with the institution before you open an account.
What is a good CD rate right now?
A useful benchmark is the national average — 2.15% APY for 1-year CDs according to Bankrate weekly survey on Oct 29, 2026. Top online banks and credit unions currently pay more than twice that.
No questions match that search. Ask us directly.
Start with the date you need the money
Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.
Compare CD options Free to use. Availability and eligibility vary by institution.