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CD Rates | Compare the Best CD Rates at Banks by Searching our CD Rates List at RatesORama.com
 

CD Rates | Search for CD Rates Today

Search and compare the highest CD rates available locally and nationally using our CD Rate list below. We maintain a list of the best certificate of deposit rates available at local banks, national banks and credit unions. Use our rate list to find the best CD rates available. Our CD database of rates is updated daily since CD interest rates change all the time.
CD Term
Product Type
Search Type
 
Institution
APY
Rate
Min. Deposit
Comments
12/18/2014
 
iGObanking.com

2 yr CD
1.400%
12/18/2014
1.390%
$1,000.00
1.00 APY* Savings, FDIC insured, open online or by mail 
Nationwide Bank

2 yr CD
1.330%
12/18/2014
1.320%
$500.00
Recognized By Bankrate.com For Having Top Tier CD Rates Q1 2014 
My e-BAnC by BAC Florida Bank

2 yr CD
1.310%
12/18/2014
1.300%
$500.00
Make sure to check our Jumbo Rates at www.bacflorida.com 
California First National Bank

2 yr CD
1.300%
12/18/2014
1.290%
$5,000.00
 
GE Capital Bank

2 yr CD
1.300%
12/18/2014
1.290%
$500.00
No transaction fees. $500 Minimum Deposit. FDIC Insured. Open Now 
Home Savings Bank

2 yr CD
1.270%
12/18/2014
1.260%
$10,000.00
 
First Internet Bank of Indiana

2 yr CD
1.250%
12/18/2014
1.240%
$1,000.00
 
Chartway Federal Credit Union

2 yr CD
1.210%
12/18/2014
1.200%
$10,000.00
Visit chartway.com to open your certificate today. 
HeritageWest Credit Union

2 yr CD
1.210%
12/18/2014
1.200%
$10,000.00
 
Lone Star Bank

2 yr CD
1.180%
12/18/2014
1.170%
$1,000.00
 
Silvergate Bank

2 yr CD
1.160%
12/18/2014
1.150%
$25,000.00
 
VirtualBank

2 yr CD
1.160%
12/18/2014
1.150%
$10,000.00
FDIC Insured 
Barclays

2 yr CD
1.150%
12/18/2014
1.140%
$0.00
No Minimum Balance. No Monthly Maintenance Fees. FDIC Insured. 
Discover Bank

2 yr CD
1.150%
12/18/2014
1.140%
$2,500.00
Rates that consistently beat the competition. Open a CD today! 
The Palladian PrivateBank

2 yr CD
1.100%
12/18/2014
1.100%
$10,000.00
Open an account online today at www.palladianprivatebank.com 
giantbank.com

2 yr CD
1.110%
12/18/2014
1.100%
$2,500.00
 
Congressional Bank

2 yr CD
1.100%
12/18/2014
1.090%
$50,000.00
Open a CD Online Today! Member FDIC. 
Presidential Bank, FSB

2 yr CD
1.100%
12/18/2014
1.090%
$1,000.00
 
TIAA Direct

2 yr CD
1.080%
12/18/2014
1.070%
$1,000.00
TIAA-CREF Trust Company, FSB. Member FDIC 
EH National Bank

2 yr CD
1.060%
12/18/2014
1.050%
$10,000.00
 
AloStar Bank of Commerce

2 yr CD
1.050%
12/18/2014
1.040%
$1,000.00
 
Doral Direct

2 yr CD
1.040%
12/18/2014
1.040%
$500.00
 
E-LOAN

2 yr CD
1.000%
12/18/2014
1.000%
$10,000.00
Easy process. 100% online. No fees. Start earning interest now! 
TAB Bank

2 yr CD
1.010%
12/18/2014
1.000%
$1,000.00
Member FDIC. Great Rates on Savings. 
USAA

2 yr CD
0.810%
12/18/2014
0.810%
$1,000.00
Competitive rates from USAA. Strong, Stable, FDIC insured. 
Colorado Federal Savings Bank

2 yr CD
1.250%
12/17/2014
1.240%
$5,000.00
 
Salem Five

2 yr CD
1.250%
12/16/2014
1.240%
$10,000.00
**All deposits FDIC and DIF insured** Apply online/phone today! 
Goldwater Bank

2 yr CD
1.090%
12/15/2014
1.090%
$5,000.00
 
Pacific Mercantile Bank

2 yr CD
0.900%
12/15/2014
0.900%
$10,000.00
#1 Comml Bank/Assets HQ’d in Orange Co CA per OC Business Journal 

Data Provided by Bankrate.com Rates are accurate and available as of the date seen for Bankrate customers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate. Bankrate.com has today's most competitive deposit rates. Additional details.
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The best rates on certificates of deposit move higher this week, continuing the trend of higher rates the past month. The increases are small again this week but at least CD rates are moving higher, not lower, as we have seen for the past 6 years.

The highest CD rates on 1 year certificates of deposit are now at 1.16 percent with an APY of 1.17 percent from two different banks, Bank Direct and Congressional Bank. The best 1 year CD rate last week was from Sallie Mae Bank at 1.14 percent with an APY of 1.15 percent. A year ago the best 1 year CD rates were at 1.00 percent and this coming year we will probably see 1 year rates move towards 2.00 percent.

The highest 2 year certificate of deposit rates this week are also from Congressional Bank at 1.54 percent with an APY of 1.55 percent. Last week’s best 2 year CD rate was at 1.50 percent with an APY of 1.50 percent. By the end of 2015, the highest 2 year bank CD rates will head towards 3.00 percent.

The highest 3 year CD rate this week is from iGObanking at 1.69 percent with an APY of 1.70 percent. The highest 5 year CD rates this week are at 2.50 percent with an APY of 2.52 percent. Listed below are the top 5 CD rates from banks and credit unions for certificate of deposit terms between 3 months and 5 years.

Top Certificate of Deposit Rates

3 Month Rates

  • First Internet Bank of Indiana 0.45%
  • AloStar Bank of Commerce 0.40%
  • Goldwater Bank 0.40%
  • Pacific Mercantile Bank 0.40%
  • VirtualBank 0.40%

6 Month Rates

  • Doral Direct 0.82% 
  • EH National Bank 0.80%
  • Chartway Federal Credit Union 0.75%
  • HeritageWest Credit Union 0.75%
  • My e-BAnC by BAC Florida Bank 0.75%

9 Month Rates

  • NewDominion Bank 0.89% APY 0.90%
  • Doral Direct 0.86% APY 0.86%
  • AloStar Bank of Commerce 0.80% APY 0.80%
  • giantbank.com 0.75% APY 0.75%
  • GE Capital Bank 0.70% APY 0.70%

1 Year Rates

  • Bank Direct 1.16% APY 1.17%
  • Congressional Bank 1.16% APY 1.17%
  • Sallie Mae 1.14% APY 1.15%
  • My e-BAnC by BAC Florida Bank 1.11% APY 1.12%
  • GE Capital Bank 1.09% APY 1.10%

2 Year Rates

  • Congressional Bank 1.54% APY 1.55%
  • Chartway Federal Credit Union 1.50% APY 1.51%
  • HeritageWest Credit Union 1.50% APY 1.51%
  • iGObanking.com 1.39% APY 1.40%
  • Nationwide Bank 1.32% APY 1.33%

3 Year Rates

  • iGObanking.com 1.69% APY 1.70%
  • Pentagon Federal Credit Union 1.55% APY 1.56%
  • Nationwide Bank 1.49% APY 1.50%
  • Chartway Federal Credit Union 1.45% APY 1.46%
  • Everbank 1.44% APY 1.45%

5 Year Rates

  • Chartway Federal Credit Union 2.50% APY 2.52%
  • HeritageWest Credit Union 2.50% APY 2.52%
  • Nationwide Bank 2.29% APY 2.32%
  • Synchrony Bank Optimizer Plus 2.23% APY 2.25%
  • Barclays Bank 2.23% APY 2.25%
Author: Brian McKay

The best CD rates on intermediate term certificates of deposit increased again this week. Longer term CD rates were stagnant, which is surprising since banks are motivated to lock in deposits for longer terms at current low rates. Though the increases were small this week, at least the direction is higher and not lower, as it has been for many years.

We now have 7 banks and credit unions offering 1 year CD rates at or above 1.10 percent APY. This week we also have 18 banks offering 1 year CD rates at or above 1.00 percent. The highest 1 year CD rate this week is from Sallie Mae at 1.14 percent with an APY of 1.15 percent.

The highest 2 year CD rate is from Chartway Federal Credit Union at 1.50 percent with an APY of 1.50 percent. The best 2 year CD rate is from Nationwide Bank at 1.32 percent with an APY of 1.33 percent.

Below is a complete list of the highest certificate of deposit rates for November 10, 2014:

  • 3 Month CD Rate 0.45% APY 0.45%
  • 6 Month CD Rate 0.85% APY 0.85%
  • 9 Month CD Rate 0.89% APY 0.90%
  • 1 Year CD Rate 1.14% APY 1.15%
  • 18 Month CD Rate 1.26% APY 1.25%
  • 2 Year CD Rate 1.50% APY 1.50%
  • 30 Month CD Rate 1.30% APY 1.31%
  • 3 Year CD Rate 1.50% APY 1.51%
  • 4 Year CD Rate 1.93% APY 1.95%
  • 5 Year CD Rate 2.50% APY 2.52%
Author: Brian McKay

Mortgage rates moved higher this week, following 10 year bond yields higher. Bond yields and mortgage rates were higher on stronger than expected third quarter GDP growth and a stronger than expected manufacturing report.

Third quarter GDP growth came in at 3.5 percent, higher than the 3.0 growth analysts had expected. The ISM Manufacturing Index also beat expectations, registering 59 last month, up from September’s reading of 56.6.

Mortgage Rates Move Higher This Week Average 15 Year Mortgage Rate at 311 PercentConventional 15 year mortgage rates today are averaging 3.11 percent this week, up from the prior week’s average 15 year rate of 3.05 percent. Average mortgage interest rates are higher this week but rates are still low, historically speaking. Average 15 year rates were 6 basis points higher this week but the lowest 15 year rates available remained the same at 2.75 percent.

Current mortgage rates on 30 year conforming loans are still below 4.00 percent this week at 3.99 percent. 30 year rates are slightly higher from last week’s average of 3.98 percent. The best 30 year refinance rates available actually fell 0.125 percent this week to 3.625 percent with 2 mortgage points.

30 year jumbo mortgage rates are down this week, bucking the uptrend. The current average 30 year jumbo rate is at 4.22 percent, down 1 basis point from last week’s average rate. The lowest 30 year jumbo refinance rate available on the rate table are up 0.125 percent this week to 3.75 percent with 1.5 points. The lowest 30 year jumbo refi rate without points remained the same at 3.875 percent.

Average 15 year jumbo mortgage rates are at 3.88 percent, a big decline from the previous week’s average 15 year rate of 4.01 percent. The lowest 15 year jumbo refinance rates are at 2.99 percent with 1.50 points and at 3.125 percent with no points.

5/1 conforming adjustable mortgage rates are averaging 3.25 percent, down from last week’s average 5 year adjustable rate of 3.32 percent. The best 5 year adjustable ARMs available are still well below the average at 2.375 percent with 1.75 points and at 2.55 percent with no points.

Today’s mortgage rates on 5 year jumbo adjustable loans are averaging 3.47 percent, a sharp uptick from last week’s average 5 year jumbo rate of 3.14 percent. The lowest 5 year jumbo refi rates available are at 2.50 percent with 2 points and at 2.55 percent with no points.

Author: Brian McKay

Interest rates on certificates of deposit continue to move higher this week as the top 2 year CD rates are now at 1.50 percent. Financial institutions are increasing rates despite the fact that the federal funds rate remains in a targeted range of zero to one quarter percent.

The FOMC just wrapped up their two day October meeting yesterday and announced an end to quantitative easing but they plan to keep the fed funds rate near zero percent. Eventually, the FOMC will increase the fed funds rate which will send deposit rates even higher. The stage has been set for higher interest rates sometime 2015.

The rate curve has flatted even more this week as banks and credit unions increase shorter term CD rates but haven’t increased longer term CD rates. The rate difference between the highest 1 year rate (1.20%) and the highest 5 year rate (2.52%) is at 1.30 percent and the difference between the highest 2 year rate (1.50%) and 5 year rate (2.52%) is at 1.02 percent.

Listed below are the top CD rates for certificate of deposit terms of 6 months to 5 years.

6 Month CD Rates

  • Doral Direct 0.87%
  • Chartway Federal Credit Union 0.85%
  • EH National Bank 0.80%

1 Year CD Rates

  • Pentagon Federal Credit Union 1.20% APY 1.21%
  • CIT Bank 1.11% APY 1.12%
  • Synchrony Bank Optimizer Plus 1.09% APY 1.10%
  • BankDirect 1.09% APY 1.10%
  • GE Capital Bank 1.09% APY 1.10%
  • My e-BAnC by BAC Florida Bank 1.09% APY 1.10%
  • ableBanking, a division of Northeast Bank 1.09% APY 1.10%
  • Colorado Federal Savings Bank 1.09% APY 1.10%

2 Year CD Rates

  • Chartway Federal Credit Union 1.50% APY 1.50%
  • Nationwide Bank 1.32% APY 1.33%
  • Pentagon Federal Credit Union 1.30% APY 1.31%
  • CIT Bank 1.29% APY 1.30%
  • Home Savings Bank 1.26% APY 1.27%
  • ableBanking, a division of Northeast Bank 1.26% APY 1.27%
  • HeritageWest Credit Union 1.25% APY 1.26%

3 Year CD Rates

  • Chartway Federal Credit Union 1.50% APY 1.51%
  • Nationwide Bank 1.49% APY 1.50%
  • CIT Bank 1.44% APY 1.45%
  • Sallie Mae 1.44% APY 1.45%
  • Bank Direct 1.44% APY 1.45%
  • Barclays Bank 1.44% APY 1.45%
  • State Farm Bank 1.44% APY 1.45%

5 Year CD Rates

  • Chartway Federal Credit Union 2.50% APY 2.52%
  • Nationwide Bank 2.29% APY 2.32%
  • Synchrony Bank Optimizer Plus 2.27% APY 2.30%
  • GE Capital Bank 2.23% APY 2.25%
  • Barclays Bank 2.23% APY 2.25%
Author: Brian McKay

Continuing the uptrend for CD rates this week, we now have new high rates for 1 year, 2 year, and 5 year bank CD rates. Nationwide Bank increased their CD rates this week, making their rates the best CD rates available from a bank for these CD terms. We say “from a bank” because we have credit unions offering some rates slightly higher than Nationwide Bank’s rates.

Nationwide Bank has the highest 1 year bank CD rate at 1.13 percent with an APY 1.14 percent. Last week’s top 1 year bank CD rate was from CIT Bank at 1.11 percent with an APY of 1.12 percent. Pentagon Federal Credit Union (PenFed) has the best 1 year credit union CD rate at 1.20 percent with an APY of 1.21 percent.

The best 2 year CD rate on our list from a credit union is at 1.50 percent with an APY of 1.50 percent from Chartway Federal Credit Union. As with any credit union, you need to join to open an account and you can join Chartway by simply donating $10.00 to their philanthropic arm, the We Promise Foundation if you don’t qualify by the myriad ways they’ve made available to you. Usually to join a credit union you have to live, work or worship in an area or have some other affiliation to join.

The highest 2 year rate from a bank on our rate list this week is from Nationwide Bank at 1.32 percent with an APY of 1.33 percent. This tops CIT Bank’s 2 year rate, which is at 1.29 percent with an APY of 1.30 percent. CIT Bank has been the leader with the top rates for a while, so it will be interesting to see if CIT Bank increases their CD rates in the coming weeks.

The highest 5 year credit union CD rate this week is also from Chartway FCU at 1.50 percent with an APY of 1.52 percent. The top 5 year CD rate from a bank is from Nationwide at 2.29 percent with an APY of 2.32 percent.

Related Posts:

CD Rates | Best Certificate of Deposit Rates

CD Rates

Author: Brian McKay