Best Nationwide Online Certificate of Deposit Rates
Includes Online Banks, Local Banks and Credit Unions / Updated May 19, 2022
All rates listed are Annual Percentage Yield (APY).
12-Month Rates
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1.450% Reviews Great | June 21, 2021 |
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1.350% Reviews A KIng | April 13, 2022 |
Couldn't disagree more, Synchrony customer service has done a fine job for me , I have no complaints. Read More
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1.310% Reviews -
1.300% Reviews 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... Read More
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1.300% Reviews Yat 1965 | 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
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1.300% Reviews -
1.300% Reviews Nerd | May 14, 2022 |
Nerdwallet ranked this thing a "best online experience". They must have paid for the rating. It is the worst. Read More
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1.300% Reviews Abzo68 | May 17, 2022 |
I have accounts at some of these other names where I make a little more, but if I need something (to access my cash or to cover an obligation somewhere), this is the place I go. Great service by phone too... Read More
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1.300% Reviews -
1.260% Reviews
24-Month Rates
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2.310% Reviews -
2.300% Reviews -
2.200% Reviews 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... Read More
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2.200% Reviews Nutzo | 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
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2.020% Reviews -
2.000% Reviews 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... Read More
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2.000% Reviews Sunny | January 24, 2022 |
I applied from Carlsbad, CA after seeing the rate listed here. I thought my account was opened and transferred a large sum of money in. I only learned 30 days later - following my inquiry - that I am supp... Read More
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1.900% Reviews A KIng | April 13, 2022 |
Couldn't disagree more, Synchrony customer service has done a fine job for me , I have no complaints. Read More
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1.800% Reviews -
1.770% Reviews
36-Month Rates
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2.850% Reviews -
2.800% Reviews -
2.500% Reviews 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... Read More
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2.400% Reviews -
2.330% Reviews -
2.300% Reviews A KIng | April 13, 2022 |
Couldn't disagree more, Synchrony customer service has done a fine job for me , I have no complaints. Read More
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2.250% Reviews Nutzo | 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
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2.240% Reviews -
2.220% Reviews GG - Senior | 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
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2.220% Reviews
48-Month Rates
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2.900% Reviews -
2.880% Reviews -
2.500% Reviews Yazmina | August 3, 2021 |
Opened for the higher rate, and the rate has stayed competitive even as rates have fallen across the board at all of these places so I cannot complain. But, what I will complain about are all of these con... Read More
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2.430% Reviews -
2.400% Reviews Sunny | January 24, 2022 |
I applied from Carlsbad, CA after seeing the rate listed here. I thought my account was opened and transferred a large sum of money in. I only learned 30 days later - following my inquiry - that I am supp... Read More
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2.350% Reviews Nutzo | 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
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2.300% Reviews A KIng | April 13, 2022 |
Couldn't disagree more, Synchrony customer service has done a fine job for me , I have no complaints. Read More
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2.270% Reviews -
2.250% Reviews -
2.200% Reviews 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... Read More
60-Month Rates
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3.000% Reviews -
2.930% Reviews -
2.750% Reviews Yazmina | August 3, 2021 |
Opened for the higher rate, and the rate has stayed competitive even as rates have fallen across the board at all of these places so I cannot complain. But, what I will complain about are all of these con... Read More
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2.720% Reviews GG - Senior | 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
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2.700% Reviews -
2.600% Reviews A KIng | April 13, 2022 |
Couldn't disagree more, Synchrony customer service has done a fine job for me , I have no complaints. Read More
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2.600% Reviews Sunny | January 24, 2022 |
I applied from Carlsbad, CA after seeing the rate listed here. I thought my account was opened and transferred a large sum of money in. I only learned 30 days later - following my inquiry - that I am supp... Read More
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2.550% Reviews 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... Read More
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2.550% Reviews Nutzo | 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
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2.500% Reviews
All rates listed above are Annual Percentage Yield (APY).
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