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).

 

12-Month Rates

  • 5.00% Bank with nearby branch - View
    1-Year CD - $1,000
  • 4.85% 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! More Reviews

  • 4.85% Online Rate
    1-Year CD - $2,500
  • 4.76% Online Rate
    Online One 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! More Reviews

  • 4.76% Online Rate
    13 Month CD - $5,000

    13-Month CD

    | 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

  • 4.75% Online Rate
    12-Month CD - $500

    | 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

  • 4.75% Online Rate
    1-Year CD - $1,000

    Early Withdrawal Penalty is 180 days interest.

  • 4.75% Online Rate
    One Year CD - $10,000

    Early Withdrawal Penalty is 270 days interest.

  • 4.65% Bank with nearby branch - View
    1-Year CD - $25,000

    | 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

  • 4.60% Online Rate
    1-Year 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... More Reviews

18-Month Rates

  • 4.92% Online Rate
    18-Month CD - $2,500
  • 4.75% Online Rate
    18-Month CD - $500

    | 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

  • 4.75% Bank with nearby branch - View
    18-Month CD - $1,000
  • 4.65% Online Rate
    18-Month CD - $1,000

    Early Withdrawal Penalty is 180 days.

  • 4.65% Online Rate
    18-Month - $10,000

    Early Withdrawal Penalty is 270 days interest.

  • 4.55% Online Rate
    18-Month CD - $25,000

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

  • 4.50% Online Rate
    18 Month CD - $2,000

    | 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

  • 4.48% Bank with nearby branch - View
    18 Month Online CD - $500
  • 4.40% Online Rate
    18-Month CD - $500

    | 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

  • 4.37% Online Rate
    18 Month Online CD - $100,000

24-Month Rates

36-Month Rates

  • 4.60% Online Rate
    36 Month Online CD - $500

    | 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

  • 4.60% Online Rate
    36 Month CD - $10,000

    Early Withdrawal Penalty is 365 days interest.

  • 4.51% Bank with nearby branch - View
    36 Month Online CD - $500
  • 4.50% Online Rate
    36 Month Online CD - $500

    | 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

  • 4.50% Online Rate
    36-Month Premium Certificate - $501
  • 4.50% Bank with nearby branch - View
    3-Year Special - $1,000

    | 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

  • 4.50% Online Rate
    3-Year CD - $1,500

    Early withdrawal penalty is 180 days interest.

    | 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

  • 4.44% Online Rate
    3-Year CD - $1,000

    Early Withdrawal Penalty is 360 days interest.

  • 4.40% Online Rate
    36-Month CD - $2,500

    | 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

  • 4.35% Online Rate
    3 Year CD - $0

    | December 6, 2022 |

    The MOST organized bank with easy to read online banking ever! More Reviews

48-Month Rates

  • 4.50% Online Rate
    4-Year CD - $1,500

    Early withdrawal penalty is 365 days interest.

    | 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

  • 4.48% Online Rate
    48 Month Online CD - $500
  • 4.47% Online Rate
    48 Month CD - $10,000

    Early Withdrawal Penalty is 365 days interest.

  • 4.44% Online Rate
    4-Year CD - $1,000

    Early Withdrawal Penalty is 360 days interest.

  • 4.35% Online Rate
    4 Year CD - $0

    | December 6, 2022 |

    The MOST organized bank with easy to read online banking ever! More Reviews

  • 4.35% 48 MONTH - $2,500 Min
  • 4.32% Online Rate
    4-Year CD - $500
  • 4.30% Online Rate
    48 Month CD - $2,000

    | 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

  • 4.22% Online Rate
    48 Month CD - $100,000

    Early withdrawal penalty is 15 months interest.

  • 4.20% Online Rate
    48-Month Online CD - $0

    | 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

  • 4.55% Online Rate
    5 Year CD - $10,000

    Early Withdrawal Penalty is 730 days interest.

  • 4.51% Bank with nearby branch - View
    60 Month Online CD - $500
  • 4.50% Online Rate
    5-Year CD - $500

    | 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

  • 4.50% Online Rate
    5-Year CD - $1,500

    Early withdrawal penalty is 365 days interest.

    | 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

  • 4.39% Online Rate
    5-Year CD - $1,000

    Early Withdrawal Penalty is 360 days interest.

  • 4.35% 5-year CD - $5,000

    Early Withdrawal Penalty is 6 Months' Interest.

  • 4.35% Online Rate
    5 year CD - $25,000

    | 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

  • 4.32% Online Rate
    Online CD - $500
  • 4.30% Online Rate
    60 Month CD - $2,000

    | 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

  • 4.25% Online Rate
    60 Month CD - $0

    | 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).

Compare Savings and CDs

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