Flexible CDs
Best No-Penalty CD Rates
No-penalty CDs (also called liquid or penalty-free CDs) give you a fixed rate with the freedom to cash out early. The top widely available listing in our table pays 4.46% APY.
7 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display date ? | Actions |
|---|---|---|---|---|---|---|
| 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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| 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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| 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 #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 #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
When a no-penalty CD makes sense
Pros
- Fixed rate with an exit if you need the cash
- You can move to a higher-paying CD if rates rise
- Good home for an emergency fund you don’t expect to touch
Cons
- Rates can be lower than standard CDs of a similar term
- Many require closing the whole CD to withdraw
- Usually no additional deposits after opening
FAQs
How does a no-penalty CD work?
You lock in a fixed rate like a regular CD, but you can withdraw your money before maturity without paying a penalty — usually after the first six or seven days. Some no-penalty CDs require you to withdraw the full balance and close the CD; others allow partial withdrawals.
Why can’t I withdraw in the first week?
Federal rules generally require a penalty on withdrawals made within six days of the deposit, so most no-penalty CDs make you wait about a week.
Do no-penalty CDs pay less than regular CDs?
Often, but not always. The top no-penalty listing in our table pays 4.46% APY. Compare it with the 1-year CD table to see what flexibility costs you.
Is a no-penalty CD better than a high-yield savings account?
A no-penalty CD locks in its rate for the term, while a savings rate can drop at any time. Savings accounts, though, let you add money and make repeated withdrawals. If you want a guaranteed rate and may need the money, a no-penalty CD is a strong middle ground.
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Compare CD options Free to use. Availability and eligibility vary by institution.