Best Nationwide Online Certificate of Deposit Rates

Includes Online Banks, Local Banks and Credit Unions / Updated September 27, 2022

All rates listed are Annual Percentage Yield (APY).

 

12-Month Rates

  		•  3.250% Reviews Online Rate 12 Month CD - $0
  		• 3.200% Reviews Online Rate 12-Month CD - $500

    | April 23, 2022 |

    Thanks CFG ! Opened a 12-month CD today with the fantastic rate of 1.24%. Best rate in town. Most area banks still offering terrible rates .01% to .50%. Not at all fair when charging up to 5% for loans.... Read More

  		• 3.100% Reviews Online Rate 1-Year CD - $500
  		• 3.050% Reviews Online Rate 12-Month CD - $25,000

    Early withdrawal penalty is 6 months interest.

  		• 3.010% Reviews Online Rate 1-Year CD - $25,000

    | June 14, 2022 |

    Lots of these big more recognized names have long wait times to be followed by people answering the phone needing to do research in order to provide unsatisfactory answers. I have only called CIBC once or... Read More

  		• 3.000% Reviews 1-Year CD - $1,000

    | September 20, 2022 |

    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! Read More

  		• 3.000% Reviews Online Rate 1-Year CD - $1,500

    Early withdrawal penalty is 180 days interest.

    | May 5, 2022 |

    This is nuts! The new system associated with the new brand doesn't allow you to transfer in or out more than $5,000. Other systems of this nature are easily defeated by initiating it from an outside bank... Read More

  		• 3.000% Reviews Online Rate 12 MONTH - $2,500 Min
  		• 2.750% Reviews Online Rate Basic CD - $1,000

    | October 17, 2021 |

    The savings rate is 0.50% as listed here. Their money market rate is only 0.40%. These guys are deceptive! They keep one rate high so that customers like me see them on a site like this and go through and ... Read More

  		• 2.750% Reviews Online Rate 12 Month CD - $2,000

    | September 20, 2022 |

    This whole bit about delaying the transaction 3-4 days is really unacceptable. Should be illegal. It takes 2 seconds to run an ACH transfer. I've had accounts with Barclays, CIT, Marcus and all of the r... Read More

18-Month Rates

24-Month Rates

  		•  3.560% Reviews Online Rate 2-year CD - $5,000

    | 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! Read More

  		• 3.550% Reviews Online Rate 24 Month CD - $1,000

    | 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... Read More

  		• 3.320% Reviews Online Rate 24 Month Online CD - $1,000

    | March 16, 2022 |

    I know that there are bigger issues in this world, but this bank's ties to puppy mill funders will keep me away: https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by... Read More

  		• 3.300% Reviews Online Rate 2 Year CD - $10,000

    Early Withdrawal Penalty is 270 days interest.

  		• 3.290% Reviews Online Rate 2-year CD - $100,000
  		• 3.200% Reviews Online Rate Connect 24-Month Investment CD - $500
  		• 3.200% Reviews Online Rate 24-Month CD - $1,000

    Early Withdrawal Penalty is 360 days interest.

  		• 3.200% Reviews Online Rate 24 Month CD - $2,500

    | August 30, 2022 |

    It is ludicrous in this day and age to have an account where it takes so long to get your money. This may be Sallie's racket, but I am out. Read More

  		• 3.100% Reviews Online Rate 24 MONTH - $2,500 Min
  		• 3.050% Reviews Online Rate Basic CD - $1,000

    | October 17, 2021 |

    The savings rate is 0.50% as listed here. Their money market rate is only 0.40%. These guys are deceptive! They keep one rate high so that customers like me see them on a site like this and go through and ... Read More

36-Month Rates

48-Month Rates

60-Month Rates

  		•  3.750% Reviews Online Rate 60 Month Online CD - $500
  		• 3.750% Reviews Online Rate 60 Month Online CD - $25,000

    Warning: Early Withdrawal Penalty is 2% of the account balance.

  		• 3.700% Reviews Online Rate Online 5-Year CD - $100,000
  		• 3.650% Reviews Online Rate 5-Year CD - $1,500

    Early withdrawal penalty is 365 days interest.

    | May 5, 2022 |

    This is nuts! The new system associated with the new brand doesn't allow you to transfer in or out more than $5,000. Other systems of this nature are easily defeated by initiating it from an outside bank... Read More

  		• 3.600% Reviews Online Rate 5-Year CD - $500

    | April 23, 2022 |

    Thanks CFG ! Opened a 12-month CD today with the fantastic rate of 1.24%. Best rate in town. Most area banks still offering terrible rates .01% to .50%. Not at all fair when charging up to 5% for loans.... Read More

  		• 3.550% Reviews Online Rate 5 Year CD - $10,000

    Early Withdrawal Penalty is 730 days interest.

  		• 3.500% Reviews Online Rate 60 Month CD - $2,000

    | September 20, 2022 |

    This whole bit about delaying the transaction 3-4 days is really unacceptable. Should be illegal. It takes 2 seconds to run an ACH transfer. I've had accounts with Barclays, CIT, Marcus and all of the r... Read More

  		• 3.460% Reviews Online Rate Online CD - $500
  		• 3.350% Reviews Online Rate 60 Month CD - $2,500

    | August 30, 2022 |

    It is ludicrous in this day and age to have an account where it takes so long to get your money. This may be Sallie's racket, but I am out. Read More

  		• 3.350% Reviews 5-year CD - $5,000

    Early Withdrawal Penalty is 6 Months' Interest.

All rates listed above are Annual Percentage Yield (APY).

Compare Savings and CDs

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