If you’re in the market to save money but want to lock it in, then you’re in the right places to see our comprehensive list of the Best CD Rates available.
CDs or Certificate of Deposit is a certificate issued by the bank to a person depositing their money for a specific amount of time. During the specified time period your money is deposited, you will earn a certain APY for your specific CD account. The one thing about CDs versus Savings account is that you cannot withdraw from it during the on-going CD length without a penalty.
This is great for those who just want to invest and forget. The attractive feature of a CD is that the APY rates are quite high and that makes you WANT to leave your money alone so that it can earn you money without additional fuss. Below are the best CD Rates for various lengths such as 6-Month, 9-Month, 1 Year, 18-Month, 24-Month, 36-Month, 48-Month, an 60-Month CD term!
This is HustlerMoneyBlog’s absolute best guide to find the best CD rates for your specific needs. Those looking for the safest investment for your money, then Certificates of Deposit will be the best return on your savings. Additionally you will get more bang for your buck if you invest in online banks for the highest rates on your CDs.
Editor’s Note: Looking for a more specific term CD? See these posts below:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
Table of Contents
- 1 Everything You Need To Know About CDs
- 2 Compare CD Accounts
- 3 Best 6-Month CD Rates – Nationwide
- 4 Best 6-Month CD Rates – State/Local
- 5 Best 9-Month CD Rates – Nationwide
- 6 Best 9-Month CD Rates – State/Local
- 7 Best 12-Month CD Rates – Nationwide
- 8 Best 12-Month CD Rates – State/Local
- 9 Best 18-Month CD Rates – Nationwide
- 10 Best 18-Month CD Rates – State/Local
- 11 Best 24-Month CD Rates – Nationwide
- 12 Best 24-Month CD Rates – State/Local
- 13 Best 36-Month CD Rates – Nationwide
- 14 Best 36-Month CD Rates – State/Local
- 15 Best 48-Month CD Rates – Nationwide
- 16 Best 48-Month CD Rates – State/Local
- 17 Best 60-Month CD Rates – Nationwide
- 18 Best 60-Month CD Rates – State/Local
Everything You Need To Know About CDs
Simply put, they are deposit accounts to earn a fixed interest rate over your chosen term length.
Unlike a checking or savings account, you cannot access your money without penalty until the CD term is over.
You will find that CDs interest rates are always higher than traditional Checking and Savings accounts.
CDs rates are fixed for terms as long as 60 months and cannot be changed unlike Savings or Checking account rates.
Up to $250,000 per account (FDIC insured for banks and NCUA insured for credit unions)
CDs are low maintenance with the only requirement is to keep your money in your account until your CD matures while earning interest.
Make sure to set up a calendar reminder once the CD term matures, otherwise most banks will automatically renew the CD at the end of the term.
Obviously you don’t have access to your money before your term ends unless you want to incur penalty fees.
Make sure to put away money in a CD that you know you can afford.
Many people don’t want to commit long term to a CD, but still want to earn a higher interest rate. There is a tactic you can employ with CDs called “CD Laddering” which involves setting up multiple CDs with differing term lengths.
E.G $10K investment into 5 different CD length: Instead of putting the entire $10,000 into one 5-year CD, you put $2,000 into 5 different CDs (i.e. 1,2,3,4,5-year CDs).
With each CD expiring with every passing year, you can decide to either withdraw the money or re-invest it into another CD. You are essentially earning money on a higher interest if you decided to use this route.
You can visit your local traditional brick-and-mortar bank to open a CD account, but they cannot compete with the online banks since they have overhead costs.
Rule of thumb when finding the best rate is Online Banks > Credit Unions > Regional Banks > National Banks.
You will find all the best online CD rates below and I highly suggest you go with online banks for all your CDs needs.
Online CD accounts have the best rates by far. It’s a wise move to get the highest rate for your investments.
Since they operate online, all online banks CD accounts are available to everyone nationwide. They can keep the cost down with no branches overhead in order to provide the most competitive rates!
Steps for the best rates for Online CD Accounts: You want to figure out what the minimum balance requirement for the term you want to earn the listed Annual Percentage Yield (APY).
Then choose your CD term you are comfortable leaving your money for the entire length of the CD term is earn the interest higher rate. Your is tied up for the entire CD term so make sure not to withdraw the due date, otherwise you will incur an early withdrawal penalty fee.
Compare CD Accounts
 • Available online nationwide • Earn 0.30% APY on a 12-Month CD Term • Earn up to 0.50% APY • $1,000 minimum to open • Selection of terms to meet your needs • A range of choices. Low minimum deposits. • No fees to open or maintain the account • Available as Custodial • Open a CIT Bank Certificate of Deposit Account today! |
 With the CIT Bank No-Penalty 11-Month CD: • Earn 0.30% APY on your funds with just a $1,000 minimum deposit. • The perfect balance between a great fixed rate and flexible money access. • Access funds, if needed. No penalty. • No opening or maintenance fees • Shorter 11-month timeframe and a great APY • If you need your funds prior to the maturity date, you can withdraw your money — including any interest earned — beginning seven days after the funds have been received. No penalty. No problem. It's the security of a CD with the flexibility to access your funds early if you need them. |
 • Available nationwide online, Discover offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 0.20% APY up to 0.60% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Start today with a minimum deposit of $2,500! • Get started and open a Discover CD in 3 easy steps. |
*Disclaimer* Since these rates change daily, make sure to confirm the latest rates by visiting the bank site directly using our links below. You’ll find the best CD rates from all the best banks ranked from highest to lowest based on CD term. Listed are the Annual Percentage Yields (APYs) and Length of the CD.
Best 6-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Veridian Credit Union | 0.85% | $100k | --- | 7-Month Jumbo CD | Review |
| CommunityWide Federal Credit Union | 0.80% | $1k | --- | 6-Month CD | Review |
| LaFayette Federal Credit Union | 0.70% | $500 | --- | 7-Month Fixed Certificate | Review |
| Limelight Bank | 0.45% | $1k | --- | 6-Month CD | Review |
| La Capitol Federal Credit Union | 0.35% | $2,500 | --- | 6-Month Share Certificate | Review |
| Pen Air Federal Credit Union | 0.30% | $500 | --- | 6-Month CD | Review |
Best 6-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Gesa Credit Union | WA, OR | 1.00% | $500 | --- | 7-Month CD | Review |
| Advancial | OK, LA, TX, AK | 0.94% | $1k | --- | 6-Month CD | Review |
| Texas Bridge Credit Union | TX | 0.86% | $25k | --- | 6-Month Mini Jumbo CD | Review |
| EFCU Financial | LA | 0.85% | $100k | --- | 6-Month Jumbo CD | Review |
| InTouch Credit Union | MI, NV, TX | 0.85% | $1k | --- | 7-Month CD | Review |
| TTCU Federal Credit Union | OK | 0.85% | $100k | --- | 6-Month Income CD | Review |
| Argentine Federal Savings | KS | 0.75% | $1k | --- | 7-Month CD | Review |
| TEXAR Federal Credit Union | AR, TX | 0.70% | $1k | --- | 6-Month CD | Review |
| Community First Credit Union | WI | 0.65% | $2.5k | --- | 6-Month CD | Review |
| MapleMark Bank | Nationwide | 0.55% | $1k | --- | 6-Month CD | Review |
Best 9-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Spectrum Credit Union | 0.60% | $500 | --- | 9-Month CD | Review |
| TAB Bank | 0.50% | $1k | --- | 9-Month CD | Review |
| Pawtucket Credit Union | 0.45% | $1,000 | --- | 8-Month CD | Review |
Best 9-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| City of Boston Credit Union | MA | 0.88% | $500 | --- | 9-Month CD | Review |
| Providence Bank | NC | 0.80% | $1k | --- | 10 Month CD | Review |
| True Sky Credit Union | OK | 0.80% | $1k | --- | 7-12 Month CD | Review |
| Mobility Credit Union | TX | 0.75% | $500 | --- | 9-Month CD | Review |
| TruBank | IA | 0.70% | $10k | --- | 9-23 Month CD | Review |
| TTCU Federal Credit Union | OK | 0.70% | $1,000 | --- | 9-Month CD | Review |
Best 12-Month CD Rates – Nationwide
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Navy Army Credit Union | TX | 1.20% | $100k | --- | 12-Month Jumbo CD | Review |
| CoastLife Credit Union | TX | 1.12% | $1,000 | --- | 12-Month CD | Review |
| RelyOn Credit Union | TX | 1.10% | $1,000 | --- | 12-Month CD | Review |
| Olean Federal Credit Union | NY, PA | 1.10% | $500 | --- | 14-Month CD | Review |
| CenLA Federal Credit Union | LA | 1.01% | $1,000 | --- | 12-Month CD | Review |
| Gulf Coast Federal Credit Union | TX | 1.00% | $500 | --- | 12-Month CD | Review |
| Adventure Credit Union | MI | 1.00% | $500 | --- | 12-Month CD | Review |
| Gulf Coast Federal Credit Union | TX | 1.00% | $500 | --- | 12-Month CD | Review |
| Valley First Credit Union | CA | 1.00% | $1k | --- | 15-Month Special CD | Review |
| Allegiance Credit Union | OK | 0.96% | $100K | --- | 12-Month Jumbo CD | Review |
| Community First Credit Union | WI | 0.90% | $1,000 | --- | 12-Month CD | Review |
| City of Boston Credit Union | MA | 0.90% | $500 | --- | 13-Month Share CD | Review |
| TEXAR Federal Credit Union | AR, TX | 0.90% | $1K | --- | 12-Month CD | Review |
| CSE Federal Credit Union | LA | 0.85% | $1,000 | --- | 12-Month CD | Review |
| Diversified Members Credit Union | MI | 0.85% | $200 | --- | 13-Month CD | Review |
| Oklahoma's Credit Union | OK | 0.85% | $500 | --- | 12-Month CD | Review |
| Golden Plaiins Credit Union | KS | 0.81% | $5,000 | --- | 12-Month CD | Review |
| Delta Community Credit Union | GA | 0.80% | $1,000 | --- | 12-Month CD | Review |
| Abound Credit Union | KY | 0.80% | $500 | --- | 13-Month Special CD | Review |
| Communication Federal Credit Union | KA, OK | 0.75% | $1,000 | --- | 12-Month CD | Review |
| Pathways Financial Credit Union | KY, OH | 0.75% | $500 | --- | 12-Month CD | Review |
| Advancial | OK, LA, TX, AK | 0.55% | $1,000 | --- | 12-Month CD | Review |
| Advancial | OK, LA, TX, AK | 0.55% | $1,000 | --- | 11-Month CD | Review |
| Campus Federarl | LA | 0.55% | $1,000 | --- | 12-Month CD | Review |
Best 18-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Lafayette Federal Credit Union | 1.86% | $500 | --- | 20-Month CD | Review |
| Langley Federal Credit Union | 1.25% | $1K | --- | 19-Month CD | Review |
| American Heritage Federal Credit Union | 1.02% | $500 | --- | 20-Month CD | Review |
| Consumer Credit Union | 1.00% | $250K | --- | 20-Month Super Jumbo CD | Review |
| Consumers Credit Union | 0.90% | $250k | --- | 20-Month Super Jumbo CD | Review |
| Evansville Teachers Credit Union | 0.90% | $1k | --- | 18-Month CD | Review |
| GreenState Credit Union | 0.85% | $1k | --- | 18-Month CD | Review |
| INSBANK Online | 0.85% | $2.5k | --- | 18-Month CD | Review |
| Greenwood Credit Union | 0.85% | $1k | --- | 15-Month CD | Review |
| MutualOne Bank | 0.75% | $500 | --- | 18-Month CD | Review |
| CFG Community Bank | 0.70% | $500 | --- | 18-Month CD | Review |
| Marcus by Goldman Sachs | 0.70% | $500 | --- | 18-Month CD | Review |
| Premier America Credit Union | 0.65% | $100k | --- | 18-Month CD | Review |
| Sallie Mae | 0.65% | $2,500 | --- | 18-Month CD | Review |
| iGObanking | 0.60% | $1k | --- | 18-Month CD | Review |
| Limelight Bank | 0.60% | $1k | --- | 18-Month CD | Review |
| TIAA Bank | 0.60% | $5k | --- | 18-Month CD | Review |
| Merrick Bank | 0.55% | $25k | --- | 18-Month CD | Review |
| Rising Bank | 0.50% | $5k | --- | 18-Month CD | Review |
Best 18-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Round Top State Bank | TX | 1.51% | $1,000 | --- | 18-Month IRA CD | Review |
| TEXAR Federal Credit Union | AR, TX | 1.25% | $1,000 | --- | 18-Month CD | Review |
| Gulf Coast Federal Credit Union | TX | 1.16% | $500 | --- | 18-Month CD | Review |
| Community First Credit Union | WI | 1.10% | $1k | --- | 18-Month CD | Review |
| Diversified Members Credit Union | MI | 1.10% | $200 | --- | 18-Month CD | Review |
| Chicago Municipal Employees Credit Union | IL | 1.05% | $25k | --- | 18-Month CD | Review |
| MilWay Federal Credit Union | AR, TX | 1.05% | $1,000 | --- | 18-Month CD | Review |
| CSE Federal Credit Union | LA | 1.00% | $1,000 | --- | 18-Month CD | Review |
| Encompass Credit Union | IN | 1.00% | $500 | --- | 18-Month CD | Review |
| Red River Credit Union | TX, AR, LA, MS | 0.96% | $500 | --- | 18-Month CD | Review |
| Providence Bank | NC | 0.90% | $1K | --- | 16-Month CD | Review |
| Second Federal | PA | 0.90% | $500 | --- | 19-Month CD | Review |
| 1st Resource Credit Union | AL | 0.80% | --- | --- | 15-Month CD | Review |
| Pathways Financial Credit Union | KY, OH | 0.80% | $500 | --- | 18-Month CD | Review |
Best 24-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Superior Choice Credit Union | 1.05% | $100k | --- | 24-Month CD | Review |
| US Postal Service Federal Credit Union | 1.20% | $250 | --- | 24-Month IRA | Review |
| Evansville Teachers Federal Credit Union | 1.04% | $1k | --- | 24-Month CD | Review |
| Georgia's Own Credit Union | 1.00% | $500 | --- | 24-Month CD | Review |
| Wings Financial Credit Union | 0.95% | $250k | --- | 24-Month CD | Review |
| Northrop Grumman Federal Credit Union | 0.91% | $40k | --- | 24-Month Bonus Term CD | Review |
| Barksdale Federal Credit Union | 0.90% | $1K | --- | 24-Month CD | Review |
| Communitywide Federal Credit Union | 0.85% | $1k | --- | 24-Month CD | Review |
| Pen Air Federal Credit Union | 0.85% | $500 | --- | 24-Month CD | Review |
| USALLIANCE Financial Federal Credit Union | 0.75% | $500 | --- | 24-Month Special CD | Review |
| INSBANK Online | 0.70% | $2.5k | --- | 24-Month CD | Review |
| Live Oak Bank | 0.70% | $2,500 | --- | 24-Month CD | Review |
| DirectBank | 0.60% | $10k | --- | 24-Month CD | Review |
| Merrick Bank | 0.60% | $25k | --- | 24-Month CD | Review |
| Rising Bank | 0.60% | $100k | --- | 24-Month Jumbo CD | Review |
Best 24-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Louisiana Federal Credit Union | LA | 1.31% | $100K | --- | 24-Month Jumbo CD | Review |
| Navy Army Credit Union | TX | 1.30% | $100K | --- | 24-Month Jumbo CD | Review |
| Bossier Federal Credit Union | LA | 1.26% | $1,000 | --- | 24-Month CD | Review |
| CenLA Federal Credit Union | LA | 1.26% | $1,000 | --- | 24-Month CD | Review |
| CoastLife Credit Union | TX | 1.26% | $1,000 | --- | 24-Month CD | Review |
| Chicago Municipal Employees Credit Union | IL | 1.25% | $25k | --- | 24-Month CD | Review |
| Encompass Credit Union | IN | 1.25% | $500 | --- | 24-Month CD | Review |
| Gulf Coast Federal Credit Union | TX | 1.21% | $500 | --- | 24-Month CD | Review |
| Texar Federal Credit Union | TX | 1.21% | $1K | --- | 24-Month CD | Review |
| Navigator Credit Union | AL, MS | 1.20% | $100K | --- | 24-Month Jumbo CD | Review |
| Second Federal | PA | 1.20% | $500 | --- | 29-Month CD | Review |
| Canvas Credit Union | CO | 1.15% | $1K | --- | 22-Month Special CD | Review |
| Florida Credit Union | FL | 1.10% | $100K | --- | 26-Month Special Jumbo CD | Review |
| Carter Credit Union | AR, LA | 1.05% | $1K | --- | 24-Month CD | Review |
| Florida Credit Union | FL | 1.00% | $1K | --- | 25-Month Special CD | Review |
| Providence Bank | NC | 1.00% | $1K | --- | 26-Month CD | Review |
| Pathways Financial Credit Union | KY, OH | 0.90% | $500 | --- | 24-Month CD | Review |
| Communication Federal Credit Union | KA, OK | 0.85% | $1K | --- | 24-Month CD | Review |
| Advancial | OK, LA, TX, AK | 0.75% | $1K | --- | 24-Month Special CD | Review |
| Poppy Bank | CA | 0.75% | $1K | --- | 24-Month Special CD | Review |
Best 36-Month CD Rates – Nationwide
Best 36-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| CenLA Federal Credit Union | LA | 1.51% | $100 | --- | 36-Month CD | Review |
| Encompass Credit Union | IN | 1.51% | $500 | --- | 36-Month CD | Review |
| La Joya Area Credit Union | TX | 1.46% | $1k | --- | 36-Month CD | Review |
| Chicago Municipal Employees Credit Union | IL | 1.45% | $25k | --- | 36-Month CD | Review |
| Education First Federal Credit Union | TX | 1.41% | $1,000 | --- | 36-Month CD | Review |
| Navigator Credit Union | AL, MS | 1.40% | $100k | --- | 36-Month Jumbo CD | Review |
| SeaComm Federal Credit Union | NY, VT | 1.40% | $1k | --- | 3-Year CD | Review |
| TDECU | TX | 1.40% | $100k | --- | 36-Month Jumbo CD Special | Review |
| Bossier Federal Credit Union | LA | 1.36% | $1,000 | --- | 36-Month CD | Review |
| CoastLife Credit Union | TX | 1.36% | $1k | --- | 36-Month CD | Review |
| The Pioneer Savings Bank | OH | 1.25% | $500 | --- | 36-Month CD Special | Review |
| TDECU | TX | 1.25% | $1,000 | --- | 36-Month CD Special | Review |
| Credit Union 1 | AK | 1.21% | $100k | --- | 36-Month CD | Review |
| Carter Credit Union | AR, LA | 1.20% | $1k | --- | 36-Month CD | Review |
| Rio Grande Credit Union | NM | 1.11% | $25k | --- | 36-Month Jumbo CD | Review |
| APG Federal Credit Union | MD | 1.05% | $25k | --- | 30-Month CD | Review |
| Department of Commerce Federal Credit Union | DC, DE, MD, PA, VA, WVv | 1.02% | $500 | --- | 36-47 Month CD | Review |
| Advancial | OK, LA, TX, AK | 1.00% | $1K | --- | 35-Month Special CD | Review |
| Poppy Bank | CA | 1.00% | $1K | --- | 36-Month CD | Review |
Best 48-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| NASA Federal Credit Union | 1.50% | $10K | --- | 49-Month CD | Review |
| Abound Credit Union | 1.45% | $500 | --- | 47-Month Special CD | Review |
| Ideal Credit Union | 1.21% | $70k | --- | 48-Month CD | Review |
| Wings Financial Credit Union | 1.21% | $250k | --- | 48-Month CD | Review |
| Barksdale Federal Credit Union | 1.20% | $1K | --- | 48-Month CD | Review |
| Evansville Teachers Federal Credit Union | 1.20% | $1K | --- | 48-Month CD | Review |
| Georgia's Own Credit Union | 1.20% | $500 | --- | 48-Month CD | Review |
| Hiway Federal Credit Union | 1.20% | $25k | --- | 48-Month CD | Review |
| Michigan State University Federal Credit Union | 1.10% | $100K | --- | 4-Year Jumbo CD | Review |
| Pen Air Federal Credit Union | 1.10% | $500 | --- | 48-Month CD | Review |
| Primary Bank | 1.04% | $1k | --- | 48-Month CD | Review |
| Ideal Credit Union | 1.00% | $500 | --- | 48-Month CD | Review |
| Hyperion Bank | 0.90% | $500 | --- | 48-Month CD | Review |
| iGobanking | 0.90% | $1k | --- | 48-Month CD | Review |
| First Internet Bank | 0.85% | $1k | --- | 48-Month CD | Review |
| Blue Federal Credit Union | 0.80% | $2k | --- | 48-Month CD | Review |
| ableBanking | 0.35% | $1k | --- | 48-Month CD | Review |
Best 48-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Massena Savings and Loan | NY | 1.84% | $1k | --- | 48-Month CD | Review |
| Chicago Municipal Employees Credit Union | IL | 1.65% | $25K | --- | 48-Month CD | Review |
| Navigator Credit Union | AL, MS | 1.65% | $100K | --- | 48-Month Jumbo CD | Review |
| La Joya Area Credit Union | TX | 1.61% | $1k | --- | 48-Month CD | Review |
| Texas Citizens Bank | TX | 1.56% | $10k | --- | 48-Month One Bump CD | Review |
| Via Credit Union | IN | 1.56% | $500 | --- | 48-59 Month HSA CD | Review |
| SeaComm Federal Credit Union | NY, VT | 1.55% | $1K | --- | 4-Year CD | Review |
| Encompass Credit Union | IN | 1.51% | $500 | --- | 48-Month CD | Review |
| Credit Union 1 | AK | 1.41% | $100k | --- | 48-Month Jumbo CD | Review |
| Lexington Federal Credit Union | NY | 1.40% | $500 | --- | 48-Month CD | Review |
| Carter Credit Union | AR, LA | 1.30% | $1K | --- | 48-Month CD | Review |
| Department of Commerce Federal Credit Union | DC, DE, MD, PA, VA, WV | 1.17% | $500 | --- | 48-59 Month CD | Review |
| Providence Bank | NY | 1.10% | $1K | --- | 48-Month CD | Review |
| Achieva Credit Union | FL | 1.05% | $75,000 | --- | 42-Month CD | Review |
| Poppy Bank | CA | 1.00% | $1K | --- | 48-Month CD | Review |
Best 60-Month CD Rates – Nationwide
Best 60-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Complex Community Credit Union | TX | 2.10% | --- | --- | 60-Month CD | Review |
| Massena Savings and Loan | NY | 2.05% | $1K | --- | 60-Month CD | Review |
| Southwest 66 Credit Union | TX | 2.00% | $500 | --- | 60-Month CD | Review |
| Navigator Credit Union | MS | 1.95% | $100K | --- | 60-Month Jumbo CD | Review |
| La Joya Area Credit Union | TX | 1.81% | $1k | --- | 60-Month CD | Review |
| Education First Federal Credit Union | TX | 1.76% | $1,000 | --- | 60-Month CD | Review |
| SeaComm Federal Credit Union | NY, VT | 1.75% | $1,000 | --- | 5-Year CD | Review |
| Encompass Credit Union | IN | 1.51% | $500 | --- | 60-Month CD | Review |
| Metro Phoenix Bank | AZ | 1.51% | $5K | --- | 60-Month CD | Review |
| Royal Credit Union | MN, WI | 1.51% | None | $250k | 60-Month CD | Review |
| Haverhill Bank | CA | 1.41% | $500 | --- | 60-Month CD | Review |
| Department of Commerce Bank | DC, DE, MD, PA, VA, WV | 1.27% | $500 | --- | 60-84 Month CD | Review |
| ENT Credit Union | CO | 1.25% | $500 | --- | 84-Month CD | Review |
| Eagle One Federal Credit Union | DE, NJ, PA | 1.20% | $500 | --- | 60-Month CD | Review |
| Poppy Bank | CA | 1.00% | $1k | --- | 60-Month CD | Review |
This is a different Credit Union
Lafayette Federal Credit Union 18 month special was only for November.. Should be remove from the December list.. 1 day left, not that it matters
Lafayette Federal Credit Union 18 month special was only for November.. Should be remove from the December list.. 1 day left, not that it matters
All the American Heritage Federal Credit Union are restricted to Tri States ONLY.
I just tried to open their 4 months special @ 4% APY and even asked about their 15 month Share Certificate..
Nothing for us poor Californians… lol
EFCU Financial rates are woefully out of date. Current rates are much lower.
i just open a 245K personal CD to a bank you advised.
Can i open another similar 245K CD using the same bank and still be insured to the full amount ?
From what I understand, banks consolidate accounts to insure up to 250k. Best to open an account at a different institution.
If put POD on the account (payment upon death) with 2 other people names, DOB and their SS# you will be insured up to 500K
What’s the difference between “Nationwide” and “State/Local” CDs? Do you have to live in the state to be able to invest in the “State/Local” CDs? Why are they separated?
I’m shopping for a 15-18 month CD. Is NASA FCU my best option at 2.50% or can I take advantage of Amplify CU’s 3.00% out of TX?
Thanks,
DM
These twelve month rates are wildly incorrect. For June 1 CD Bank 12 month is 2.70. Limelight 12 month CD is 2.82.
Thanks Lisa! I just updated the 12-month table.
On 15-month CD, NASA Federal Credit Union has no limited on fund deposit as you stated $50k
hi thanks for all the info on your site.
I have a question though..
can i use use the reward code you have listed at the bank account promo page(Discover Bank Online Savings Account: Earn a $200 Bonus) to open a CD account?
and which banks have cd account signup promos from time to time?
Hi sj,
Thank you for being a valued reader! Unfortunately, the reward code is exclusively for the savings account.
As far as CD accounts having promotions with incentives, it’s not very common. There may be some via special promotions, but there aren’t any that we are currently aware of.
Hope this helps!
KeyBank is offering an in-branch 13 month CD special of 1.25% APY on $10,000 in new deposits. I can’t find any mention of this special online.