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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
Barclays

2 yr CD
1.350%
04/27/2015
1.340%
$0.00
No Minimum Balance. No Monthly Maintenance Fees. FDIC Insured. 
Colorado Federal Savings Bank

2 yr CD
1.350%
04/27/2015
1.340%
$5,000.00
 
iGObanking.com

2 yr CD
1.350%
04/27/2015
1.340%
$1,000.00
1.00 APY* Savings, FDIC insured, open online or by mail 
My e-BAnC by BAC Florida Bank

2 yr CD
1.310%
04/27/2015
1.300%
$1,500.00
Make sure to check our Jumbo Rates at www.bacflorida.com 
California First National Bank

2 yr CD
1.300%
04/27/2015
1.290%
$5,000.00
 
Home Savings Bank

2 yr CD
1.300%
04/27/2015
1.290%
$10,000.00
 
Ally Bank

2 yr CD
1.290%
04/27/2015
1.280%
$0.00
If Our Rate on this CD Goes Up Yours Can Too. Learn More Now. 
First Internet Bank of Indiana

2 yr CD
1.260%
04/27/2015
1.250%
$1,000.00
 
VirtualBank

2 yr CD
1.260%
04/27/2015
1.250%
$10,000.00
FDIC Insured 
AloStar Bank of Commerce

2 yr CD
1.250%
04/27/2015
1.240%
$1,000.00
 
Discover Bank

2 yr CD
1.250%
04/27/2015
1.240%
$2,500.00
Rates that consistently beat the competition. Open a CD today! 
Salem Five

2 yr CD
1.250%
04/27/2015
1.240%
$10,000.00
**All deposits FDIC and DIF insured** Apply online/phone today! 
Chartway Federal Credit Union

2 yr CD
1.210%
04/27/2015
1.200%
$2,500.00
Visit us online at chartway.com/webcert to learn more today! 
Lone Star Bank

2 yr CD
1.180%
04/27/2015
1.170%
$1,000.00
 
Pentagon Federal Credit Union

2 yr CD
1.160%
04/27/2015
1.150%
$1,000.00
 
Silvergate Bank

2 yr CD
1.160%
04/27/2015
1.150%
$25,000.00
 
giantbank.com

2 yr CD
1.110%
04/27/2015
1.100%
$2,500.00
 
EverBank

2 yr CD
1.100%
04/27/2015
1.090%
$1,500.00
 
Goldwater Bank

2 yr CD
1.090%
04/27/2015
1.090%
$5,000.00
 
E-LOAN

2 yr CD
1.000%
04/27/2015
1.000%
$10,000.00
Easy process. 100% online. No fees. Start earning interest now! 
TAB Bank

2 yr CD
1.010%
04/27/2015
1.000%
$1,000.00
Member FDIC. Great Rates on Savings. 
USAA

2 yr CD
0.810%
04/27/2015
0.810%
$1,000.00
Competitive rates from USAA. Strong, Stable, FDIC insured. 
Bank of Internet USA

2 yr CD
0.700%
04/27/2015
0.700%
$1,000.00
FDIC Insured Nationwide Banking 
ableBanking, a division of Northeast Bank

2 yr CD
0.700%
04/27/2015
0.700%
$1,000.00
$25 New Customer Gift to give to charity (501c3). FDIC insured. 
NewDominion Bank

2 yr CD
0.650%
04/27/2015
0.640%
$1,000.00
Achieve Rapid Growth Results w/Our Rates! Open Online-Member FDIC 
5 Star Bank

2 yr CD
0.600%
04/27/2015
0.600%
$1,000.00
 
Bangor Savings Bank

2 yr CD
0.500%
04/27/2015
0.500%
$500.00
 
Fidelity Bk of FL, N.A

2 yr CD
0.500%
04/27/2015
0.500%
$5,000.00
 
Congressional Bank

2 yr CD
1.100%
04/23/2015
1.100%
$50,000.00
Open a CD Online Today! Member FDIC. 
EH National Bank

2 yr CD
1.060%
04/22/2015
1.050%
$10,000.00
 

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.
If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the institution you choose, please click here.




Synchrony Bank, which had one of the best 1 year CD rates, recently increased their rate again. Synchrony Bank 1 year CD rates are now at 1.22 percent with an APY of 1.23 percent, up from 1.19 percent with an APY of 1.20 percent. Synchrony Bank’s rate beats the old top CD rate held by Bank Direct by 2 basis points.

When a bank or credit union increases their rates we provide a list of all their current rates. Listed below are all of Synchrony Bank’s My Optimizer Plus CD rates.

CD Deposit Amount $2,000 to $14,999

  • 3 Month APY 0.27%
  • 6 Month APY 0.41%
  • 9 Month APY 0.45%
  • 12 Month APY 1.23%
  • 18 Month APY 1.25%
  • 24 Month APY 1.35%
  • 36 Month APY 1.50%
  • 48 Month APY 1.70%
  • 60 Month APY 2.20%

CD Deposit Amount $15,000 to $24,999

  • 3 Month APY 0.32%
  • 6 Month APY 0.50%
  • 9 Month APY 0.60%
  • 12 Month APY 1.23%
  • 18 Month APY 1.25%
  • 24 Month APY 1.35%
  • 36 Month APY 1.50%
  • 48 Month APY 1.70%
  • 60 Month APY 2.20%

CD Deposit Amount $25,000 to $49,999

  • 3 Month APY 0.32%
  • 6 Month APY 0.60%
  • 9 Month APY 0.65%
  • 12 Month APY 1.23%
  • 18 Month APY 1.25%
  • 24 Month APY 1.35%
  • 36 Month APY 1.50%
  • 48 Month APY 1.75%
  • 60 Month APY 2.25%

CD Deposit Amount $50,000 to $99,999

  • 3 Month APY 0.32%
  • 6 Month APY 0.50%
  • 9 Month APY 0.60%
  • 12 Month APY 1.23%
  • 18 Month APY 1.25%
  • 24 Month APY 1.35%
  • 36 Month APY 1.50%
  • 48 Month APY 1.70%
  • 60 Month APY 2.20%

CD Deposit Amount $1000,000 and Higher (Jumbo)

  • 3 Month APY 0.32%
  • 6 Month APY 0.50%
  • 9 Month APY 0.60%
  • 12 Month APY 1.23%
  • 18 Month APY 1.25%
  • 24 Month APY 1.40%
  • 36 Month APY 1.60%
  • 48 Month APY 1.70%
  • 60 Month APY 2.20%

You can see how CD rates at Synchrony Bank compare to other bank CD rates by checking our rate lists: Bank CD Rates

 

Author: Brian McKay

Congressional Bank is currently offering two high yielding certificates of deposit that are at the top of the CD rates list. First let me share a little background information on Congressional Bank. The bank is headquartered in Bethesda, Maryland and has branch locations in Washington, D.C., Herndon, Potomac, and Rockville.

As with any bank these days, you don’t have to live near a branch to use the bank. Congressional Bank uses Commercial Capture Xpress, Anywhere ATM, and online banking which allows you access to the bank’s services and your money. Congressional Bank has it’s deposit insured by the FDIC (Cert #57614) for up to the maximum amount allowed by law.

Congressional Bank CD RatesCongressional Bank CD rates on 1 year certificates of deposit are currently at 1.194 percent with an APY of 1.20 percent. The bank’s 1 year CD rate is tied with two other banks for the top rate on our list. CIT Bank and Synchrony Bank are also offering 1.20 percent APY on 1 year CDs.

The bank’s 2 year CD rate is also currently tied with CIT Bank and Synchrony Bank for the best rate on our list. The bank’s current 2 year rate is 1.344 percent with an APY of 1.35 percent. The minimum opening deposit for both CDs at Congressional Bank is $25,000.

Related Posts:

RatesORama.com has a List of the Best CD rates Available

CD Rates | Best Certificate of Deposit Rates

Author: Brian McKay

Listed below are the highest jumbo CD rates for certificate of deposit terms of 3 months to 5 years. The minimum deposit to open an account at any of the banks or credit unions listed below is $100,000. Most of the financial institutions offering these jumbo CD rates are also offering the same CD rates for regular certificates of deposit.

3 Month Jumbo Certificate of Deposit Rates

  • First Internet Bank of Indiana Jumbo CD Rate 0.45% APY 0.45%
  • AloStar Bank of Commerce Jumbo CD Rate 0.40% APY 0.40%
  • Virtual Bank Jumbo CD Rate 0.40% APY 0.40%
  • Discover Bank Jumbo CD Rate 0.35% APY 0.35%
  • USAA Bank Jumbo CD Rate 0.35% APY 0.35%

1 Year Jumbo Bank and Credit Union CD Rates

  • Chartway Federal Credit Union Jumbo Rate 1.30% APY 1.31%
  • Bank Direct Jumbo Rate 1.20% APY 1.21%
  • Synchrony Bank Jumbo Rate 1.19% APY 1.20%
  • My e-BAnC by BAC Florida Bank 1.19% APY 1.20%
  • Virtual Bank Jumbo Rate 1.15% APY 1.16%
  • Sallie Mae Bank Jumbo Rate 1.14% APY 1.15%

18 Month Jumbo CD Rates

  • Virtual Bank Jumbo CD Rate 10.20% APY 1.21%
  • My e-BAnC by BAC Florida Bank Jumbo CD Rate 1.19% APY 1.20%
  • Chartway Federal Credit Union Jumbo Certificate Rate 1.15% APY 1.15%
  • AloStar Bank of Commerce Jumbo CD Interest Rate 1.14% APY 1.15%
  • First Internet Bank of Indiana Jumbo Rates 1.10% APY 1.10%
  • Discover Bank Jumbo Rates 1.04% APY 1.15%

2 Year Jumbo Bank CD Rates

  • CIT Bank Jumbo Rate 1.42% APY 1.43%
  • My e-BAnC by BAC Florida Bank Jumbo Rate 1.34% APY 1.35%
  • Home Savings Bank Jumbo Rate 1.29% APY 1.30%
  • Chartway Federal Credit Union Jumbo Rate 1.25% APY 1.26%
  • First Internet Bank of Indiana Jumbo Rate 1.25% APY 1.26%
  • VirtualBank Jumbo Rate 1.25% APY 1.26%
  • Synchrony Bank Jumbo Rate 1.24% APY 1.25%
  • AloStar Bank of Commerce Jumbo Rate 1.24% APY 1.25%

3 Year Jumbo CD Interest Rates

  • EverBank Jumbo Rate 1.49% APY 1.50%
  • First Internet Bank of Indiana Jumbo Rate 1.46% APY 1.46%
  • Sallie Mae Jumbo Rate 1.44% APY 1.45%
  • Discover Bank Jumbo Rate 1.44% APY 1.45%
  • My e-BAnC by BAC Florida Bank Jumbo Rate 1.40% APY 1.41%

4 Year Jumbo Bank Rates

  • CIT Bank Jumbo CD Interest Rate 1.95% APY 1.97%
  • Nationwide Bank Jumbo CD Interest Rate 1.93% APY 1.95%
  • Everbank Jumbo CD Interest Rate 1.88% APY 1.90%
  • VirtualBank Jumbo CD Interest Rate 1.77% APY 1.78%
  • Synchrony Bank Jumbo CD Interest Rate 1.73% APY 1.75%
  • Discover Bank Jumbo CD Interest Rate 1.73% APY 1.75%

5 Year Jumbo Bank Interest Rates

  • CIT Bank Jumbo CD Rates 2.25% APY 2.27%
  • Synchrony Bank Jumbo CD Rates 2.23% APY 2.25%
  • Everbank Jumbo CD Rates 2.23% APY 2.25%
  • Home Savings Bank Jumbo CD Rates 2.13% APY 2.15%
  • First Internet Bank of Indiana Jumbo CD Rates 2.10% APY 2.12%
  • Sallie Mae Bank Jumbo CD Rates 2.08% APY 2.10%
  • Discover Bank Jumbo CD Rates 2.08% APY 2.10%

Related Posts:

RatesORama.com has a List of the Best CD rates Available

 

Author: Brian McKay

The list of banks and credit unions offering 1 year certificate of deposit rates at or above 1.00 percent continues to grow. Just over a month ago, there were 16 financial institutions offering 1 year rates that high, this month the list has grown to 21.

Not only are more banks and credit unions offering higher rates but the best 1 year CD rates available have also increased. Back in November 2014, the highest 1 year rates were at 1.14 percent with an APY of 1.15 percent. This month there are three banks offering 1 year rates above 1.15 percent APY.

Bank Direct is offering 1 year rates at 1.20 percent with an APY of 1.21 percent. CIT Bank and Synchrony Bank are both offering 1 year rates at 1.19 percent with an APY of 1.20 percent.

This month there are also two credit unions offering 1 year certificate rates at new highs. Chartway Federal Credit Union is offering 1 year rates at 1.30 percent with an APY of 1.31 percent. Connexus Credit Union is offering 1 year rates at 1.30 percent with an APY of 1.31 percent. As will all credit unions you will have to join either of these credit unions to open a certificate account.

If these rates are starting to entice you, just wait until the Federal Open Market Committee increases the fed funds rate. Bank CD rates and other deposit rates are tied to the fed funds rate, when the FOMC increases the rate, deposit rates move also higher. This is expected to happen in the next few months.

By the end of 2015, we could see 1 year CD rates at banks just above 2.00 percent. The last time 1 year rates were that high was at least 5 years ago, just after the financial crisis and Great Recession. Until CD rates move higher you can view the top 1 year rates available below.

1 Year Certificate of Deposit Rates

  • Chartway Federal Credit Union 1.30% APY 1.31%
  • Connexus Credit Union  1.30 APY 1.30%
  • BankDirect 1.20% APY 1.21%
  • CIT Bank 1.19% APY 1.20%
  • Synchrony Bank 1.19% APY 1.20%
  • My e-BAnC by BAC Florida Bank 1.17% APY 1.18%
  • VirtualBank  1.15% APY 1.16%
  • Sallie Mae  1.14% APY 1.15%
  • Midwest Regional Bank 1.11% APY 1.11%
  • AloStar Bank of Commerce  1.09% APY 1.10%
  • Colorado Federal Savings Bank 1.09% APY 1.10%
  • GE Capital Bank  1.09% APY 1.10%
  • Silvergate Bank 1.07% APY 1.08%
  • California First National Bank  1.05% APY 1.06%
  • giantbank.com  1.05% APY 1.06%
  • Ally Bank 1.04% APY 1.05%
  • TIAA Direct  1.00% APY 1.01%
  • Discover Bank 1.00% APY 1.00%
  • First Internet Bank of Indiana  1.00% APY 1.00%
  • Home Savings Bank  1.00% APY 1.00%
  • Pentagon Federal Credit Union  1.00% APY 1.00%

 

Author: Brian McKay

Listed below are the FDIC’s average CD rates this week and the best CD rates available for terms of 3 months to 5 years.

FDIC National Average CD Rates

  • 1 month CD Rate 0.06%
  • 3 month CD Rate 0.08%
  • 6 month CD Rate 0.12%
  • 12 month CD Rate 0.20%
  • 24 month CD Rate 0.34%
  • 36 month CD Rate 0.47%
  • 48 month CD Rate 0.60%
  • 60 month CD Rate 0.79%

3 Month CD Rates

  1. California First National Bank CD Rate 0.60%
  2. First Internet Bank of Indiana CD Rate 0.45%
  3. AloStar Bank of Commerce CD Rate 0.40% (tied)
  4. Goldwater Bank CD Rate 0.40% (tied)
  5. VirtualBank CD Rate 0.40% (tied)

6 Month Rates

  1. Zions Direct 1.00%
  2. California First National Bank CD Rate 0.85%
  3. Chartway Federal Credit Union Certificate Rate 0.85%
  4. Doral Direct CD Rate 0.82%
  5. My e-BAnC by BAC Florida Bank CD Rate 0.80%
  6. EH National Bank  CD Rate 0.80%

1 Year CD Rates and APY

  1. Connexus Credit Union Certficate Rate 1.30% APY 1.30%
  2. Chartway Federal Credit Union Certificate Rate 1.20% APY 1.21% (tied)
  3. Bank Direct CD Rate 1.20% APY 1.21% (tied)
  4. CIT Bank CD Rate 1.19% APY 1.20% (tied)
  5. Synchrony Bank CD Rate 1.19% APY 1.20% (tied)
  6. My e-BAnC by BAC Florida Bank CD Rate 1.17% APY 1.18%

2 Year CD Rates and APY

  1. CIT Bank CD Rate 1.34% APY 1.35% (tied)
  2. Synchrony Bank CD Rate 1.34% APY 1.35% (tied)
  3. My e-BAnC by BAC Florida Bank CD Rate 1.30% APY 1.31%
  4. Home Savings Bank CD Rate 1.29% APY 1.30% (tied)
  5. GE Capital Bank CD Rate 1.29% APY 1.30% (tied)
  6. Ally Bank CD Rate 1.28% APY 1.29%

3 Year Rates and APY

  1. Synchrony Bank CD Rate 1.49% APY 1.50%
  2. EverBank CD Rate 1.49% APY 1.50%
  3. Barclays Bank CD Rate 1.44% APY 1.45% (tied)
  4. Discover Bank CD Rate 1.44% APY 1.45% (tied)
  5. Sallie Mae Bank CD Rate 1.44% APY 1.45% (tied)
  6. First Internet Bank of Indiana CD Rate 1.44% APT 1.45% (tied)
  7. GE Capital Bank CD Rate 1.44% APY 1.45% (tied)

4 Year Rates and APY

  1. CIT Bank CD Rate 1.88% APY 1.90% (tied)
  2. Nationwide Bank CD Rate 1.88% APY 1.90% (tied)
  3. EverBank CD Rate 1.86% APY 1.88%
  4. Barclays Bank CD Rate 1.83% APY 1.85%
  5. Virtual Bank CD Rate 1.77% APY 1.78%
  6. Synchrony Bank CD Rate 1.73% APY 1.75%

5 Year Rates and APY

  1. Synchrony Bank CD Rate 2.23% APY 2.25% (tied)
  2. Barclays Bank CD Rate 2.23% APY 2.25% (tied)
  3. GE Capital Bank CD Rate 2.23% APY 2.25% (tied)
  4. Nationwide Bank CD Rate 2.13% APY 2.15%

Certificate of Deposit Rates:

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

RatesORama.com has a List of the Best CD rates Available

 

 

Author: Brian McKay