Disclaimer and disclosures

1. General disclaimer

CompareCDRate.com is an informational comparison and marketing website. We are not a bank, credit union, lender, broker-dealer, investment adviser, or financial, legal, or tax adviser. We don’t accept deposits, hold funds, issue CDs, open accounts, or carry out transactions.

2. Advertising and compensation

This site is supported by advertising. We may be paid by banks, credit unions, brokerages, or marketing partners — for example, when a consumer is connected with a provider or opens an account. That compensation may affect which providers appear, their order, and their prominence. We don’t review every provider or product, so our listings are not a complete picture of the market.

3. No offer, no guarantee

Nothing on this site is an offer, solicitation, commitment, or recommendation to buy or sell any financial product. Submitting a form doesn’t reserve a rate or guarantee eligibility, approval, availability, provider contact, or any financial outcome.

4. Rates and APYs

Rates and APYs are compiled from published sources and may have changed since our last review. The display date on each listing is today’s date (U.S. Eastern Time) and does not mean a rate was verified on that date. Institution names are not displayed on the site; they are shared directly with you after you inquire. The issuing institution sets the actual rate, term, minimum deposit, compounding, payout schedule, penalties, and fees, and its account documents control in any conflict.

5. FDIC and NCUA insurance

Eligible deposits may be insured by the FDIC (banks) or the NCUA (credit unions) up to $250,000 per depositor, per insured institution, per ownership category, subject to recordkeeping requirements and aggregation with your other deposits at the same institution. Coverage is determined by the institution’s insurer, not by us. CompareCDRate.com is not a bank or credit union and is not insured.

6. Brokered CDs

Brokered CDs are issued by banks and held through a brokerage account. They generally can’t be redeemed early with the issuer; selling before maturity happens on a secondary market and may result in a loss. Some are callable. The brokerage provides full terms before any purchase.

7. Educational content and tools

Articles, FAQs, the maturity planner, calculator, and ladder builder are for general education. Their results are estimates based on your inputs and do not reflect any actual offer, interest calculation, or account terms.

8. Third-party providers and links

Providers and websites we link to are independent. They are responsible for their own products, rates, disclosures, and compliance. We don’t endorse or guarantee any provider or the accuracy of its information.

9. Contact

Questions? Email support@comparecdrate.com or by mail at 159 W. 25th Street, 4th Floor, New York, NY 10001. See also our Privacy Policy and Terms and Conditions.