Best Nationwide Online Certificate of Deposit Rates
Includes Online Banks, Local Banks and Credit Unions / Updated January 27, 2023
All rates listed are Annual Percentage Yield (APY).
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Sponsored
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4.40% -
4.30% -
4.15%
12-Month Rates
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5.00% -
4.85% McMahon-sky | September 20, 2022 |
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4.85% -
4.76% Glendale,Arizona | September 26, 2022 |
talked with 3 people with Connexxus...3 different stories on how to open CD..even with the "shared branchs"... this company is a nightmare! More Reviews
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4.76% 5Bme | December 12, 2022 |
Great rate, easily application process. It is the only rate as of today that beats a 13-month Treas so makes sense for anyone like me in Florida or another 0 state tax. More Reviews
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4.75% TRSmith | January 8, 2023 |
I live in the Baltimore area. CFG is a local Maryland-only bank. It has been heavily covered in local media that they are the leading Maryland bankers for the cannabis industry here. Some will view that p... More Reviews
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4.75% -
4.75% -
4.65% misleading01 | January 8, 2022 |
This is misleading to list this on this site. The account cannot be easily opened online. Wouldn't mess with it unless I were playing with millions anyway. And, then I wouldn't mess with it because who kno... More Reviews
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4.60% Great | June 21, 2021 |
This account is great. Had first opened an online savings account and then I locked into the 18-month No Penalty CD. While interest is still lost if you get out before a quarterly payment date, it provides... More Reviews
18-Month Rates
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4.92% -
4.75% TRSmith | January 8, 2023 |
I live in the Baltimore area. CFG is a local Maryland-only bank. It has been heavily covered in local media that they are the leading Maryland bankers for the cannabis industry here. Some will view that p... More Reviews
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4.75% -
4.65% -
4.65% -
4.55% -
4.50% JoJa | October 20, 2022 |
I have been banking with Synchrony for 7 years and am still amazed at how little they know about Banking 101! The eternal hold button works though! Will send letters looking for paperwork that was submitte... More Reviews
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4.48% -
4.40% Leslie G | December 7, 2021 |
I've been unable to log on all evening because of the AWS outage. Also, I waited on hold for over 1 hour before giving up. Unable to get access to my money and disappointed by the AWS reliance with no re... More Reviews
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4.37%
24-Month Rates
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4.75% Great | June 21, 2021 |
This account is great. Had first opened an online savings account and then I locked into the 18-month No Penalty CD. While interest is still lost if you get out before a quarterly payment date, it provides... More Reviews
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4.60% -
4.50% -
4.50% 69979 | December 17, 2022 |
Some serious amateur hour here. I have a small savings account that is connected to numerous external accounts. I thought I would throw a little into a 5-year CD because it is the top rate on this site, ... More Reviews
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4.49% -
4.48% -
4.42% -
4.40% JPreston | January 7, 2023 |
Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews
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4.40% -
4.39% 5Bme | December 12, 2022 |
Great rate, easily application process. It is the only rate as of today that beats a 13-month Treas so makes sense for anyone like me in Florida or another 0 state tax. More Reviews
36-Month Rates
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4.60% TRSmith | January 8, 2023 |
I live in the Baltimore area. CFG is a local Maryland-only bank. It has been heavily covered in local media that they are the leading Maryland bankers for the cannabis industry here. Some will view that p... More Reviews
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4.60% -
4.51% -
4.50% howdoyoudo | July 18, 2022 |
And how is this an online bank if they are inundating me with invitations to a customer appreciation free movie showing in some remote location in Utah? More Reviews
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4.50% -
4.50% 5Bme | December 12, 2022 |
Great rate, easily application process. It is the only rate as of today that beats a 13-month Treas so makes sense for anyone like me in Florida or another 0 state tax. More Reviews
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4.50% 69979 | December 17, 2022 |
Some serious amateur hour here. I have a small savings account that is connected to numerous external accounts. I thought I would throw a little into a 5-year CD because it is the top rate on this site, ... More Reviews
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4.44% -
4.40% JPreston | January 7, 2023 |
Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews
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4.35% Lucille Foster | December 6, 2022 |
The MOST organized bank with easy to read online banking ever! More Reviews
48-Month Rates
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4.50% 69979 | December 17, 2022 |
Some serious amateur hour here. I have a small savings account that is connected to numerous external accounts. I thought I would throw a little into a 5-year CD because it is the top rate on this site, ... More Reviews
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4.48% -
4.47% -
4.44% -
4.35% Lucille Foster | December 6, 2022 |
The MOST organized bank with easy to read online banking ever! More Reviews
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4.35% -
4.32% -
4.30% JoJa | October 20, 2022 |
I have been banking with Synchrony for 7 years and am still amazed at how little they know about Banking 101! The eternal hold button works though! Will send letters looking for paperwork that was submitte... More Reviews
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4.22% -
4.20% JTurlow | November 9, 2021 |
Higher rate but same old bank. Still engages in a process of not crediting deposits for two days after they are drawn. As a result, any transfers initiated after Wednesday will miss earning interest over t... More Reviews
60-Month Rates
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4.55% -
4.51% -
4.50% TRSmith | January 8, 2023 |
I live in the Baltimore area. CFG is a local Maryland-only bank. It has been heavily covered in local media that they are the leading Maryland bankers for the cannabis industry here. Some will view that p... More Reviews
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4.50% 69979 | December 17, 2022 |
Some serious amateur hour here. I have a small savings account that is connected to numerous external accounts. I thought I would throw a little into a 5-year CD because it is the top rate on this site, ... More Reviews
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4.39% -
4.35% -
4.35% TeresaKnight | August 1, 2022 |
Hard to imagine how Ally got to be so bad, but 1 hour to speak with anyone on the phone is just not good business. It however is slightly better than my other bank which is CIT which hangs up on me. More Reviews
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4.32% -
4.30% JoJa | October 20, 2022 |
I have been banking with Synchrony for 7 years and am still amazed at how little they know about Banking 101! The eternal hold button works though! Will send letters looking for paperwork that was submitte... More Reviews
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4.25% JTurlow | November 9, 2021 |
Higher rate but same old bank. Still engages in a process of not crediting deposits for two days after they are drawn. As a result, any transfers initiated after Wednesday will miss earning interest over t... More Reviews
All rates listed above are Annual Percentage Yield (APY).
Quite pleased with this one so far. Rate is consistently above anything else. I am just hoping they continue to be in the top tier of competitiveness! More Reviews