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CD Rates - Search for CD Rates Today
 

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
Capital One 360 Logo
★★★★★  (5 out of 5)100
12/09/2016
Open a CD today to enjoy steady growth and guaranteed returns. 
EverBank

★★★  (3 out of 5)100
12/09/2016
 
Popular Direct

★★★★★  (5 out of 5)100
12/09/2016
We keep it simple and transparent. 
VirtualBank

★★★★  (4 out of 5)100
12/09/2016
FDIC Insured 
TAB Bank

★★★★  (4 out of 5)100
12/09/2016
Member FDIC. Great Rates on Savings. 
E-Loan

★★★★★  (5 out of 5)100
12/09/2016
Easy process. 100% online. No fees. Start earning interest now! 
12/09/2016
 
Astoria Bank

★★★  (3 out of 5)100
12/09/2016
 
12/09/2016
 
12/09/2016
 
5 Star Bank

★★★★  (4 out of 5)100
12/09/2016
 
Goldwater Bank

★★★★  (4 out of 5)100
12/09/2016
 
giantbank.com

★★★★  (4 out of 5)100
12/09/2016
 
12/09/2016
First Central Direct @ myfcsb.com 
12/09/2016
 
USAA

★★★★★  (5 out of 5)100
12/09/2016
Competitive rates from USAA. Strong, Stable, FDIC insured. 

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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Banks and credit unions are starting to increase short term CD rates. Could it be in anticipation of the Federal Open Market Committee increasing the fed funds rate in December? Probably. Regardless, higher CD rates are welcome news and we do hope the trend continues into 2107.

The best 1 year CD rate on our rate list had been around 1.30 percent for the past several months. This past week Pentagon Federal Credit Union increased their 1 year CD rate to 1.35 percent with a yield of 1.36 percent. 

I recall a couple years ago the highest 1 year CD rate was at 1.05 percent. Now 1 year CD rates are closing in on 1.5o percent, a rate we haven’t seen in many years.

The Fed is scheduled to meet on December 13 and 14th and is widely expected to increase the fed funds rate by 25 basis points. In fact, the CME Group’s FedWatch Tool has the probability of a 25 basis point hike at 92.7 percent.

Whether or not any banks or credit unions increase their rates remains to be seen but we expect the uptrend in CD rates to continue. Listed below are the top ten 1 year CD rates on our rate list.

Top Ten 1 Year CD Rates

  • PenFed 1.35% APY 1.36%
  • VirtualBank 1.30% APY 1.31%
  • Connexus Credit Union 1.29% APY 1.30%
  • My e-BAnC by BAC Florida Bank 1.28% APY 1.29%
  • Pacific National Bank 1.25% APY 1.26%
  • Synchrony Bank 1.24% APY 1.25% (tied for 6th place)
  • CapitalOne 1.24% APY 1.25% (tied for 6th place)
  • Colorado Federal Savings Bank 1.24% APY 1.25% (tied for 6th place)
  • TAB Bank 1.24% APY 1.25% (tied for 6th place)
  • CIT Bank 1.21% APY 1.22% (tied for 7th place)
  • BankDirect 1.21% APY 1.22% (tied for 7th place)
  • EverBank 1.20% APY 1.21%
  • Goldman Sachs Bank USA 1.19% APY 1.20% (tied for 9th place)
  • Barclays Bank 1.19% APY 1.20% (tied for 9th place)
  • California First National Bank 1.17% APY 1.18%

You can search our rate lists for the highest CD rates for many different certificates of deposit terms at RatesORama.com.

 

Author: Brian McKay

Luana Savings Bank recently increased CD rates on their short term and 5 year certificates of deposit. Listed below are the recent CD rate increases from Luana Savings Bank.

Advertiser Product Rate (new / old) Yield (new / old)
Luana Savings Bank 6 month CD 0.5 / 0.45 0.5 / 0.45
Luana Savings Bank 5 yr CD 1.4 / 1.35 1.41 / 1.36
Luana Savings Bank 6 month jumbo CD 0.65 / 0.6 0.65 / 0.6
Luana Savings Bank 1 yr jumbo CD 0.8 / 0.75 0.8 / 0.75
Luana Savings Bank 5 yr jumbo CD 1.55 / 1.5 1.56 / 1.51
Luana Savings Bank 6 month $25K CD 0.55 / 0.5 0.55 / 0.5
Luana Savings Bank 6 month $50K CD 0.6 / 0.55 0.6 / 0.55

You can compare these new CD rates from Luana Savings Bank with other bank CD rates by searching our rate lists for the Best CD Rates.

 

Author: Brian McKay

East Boston Savings Bank Direct, the online banking division of East Boston Savings Bank (EBSB), is offering a couple of very competitive online CD rates. As with any bank these days, online CD rates are usually higher than the traditional brick and mortar CD rates.

If you don’t live in the Boston area, it’s likely you haven’t heard about EBSB though the bank dates back to 1848. EBSB operates 31 bank branches in the greater Boston area. Deposits at both EBSB and EBSB Direct are insured by the FDIC for up to $250,000 per account.

The bank is also part of Deposit Insurance Fund of Massachusetts (DIF). The DIF is an industry sponsored deposit insurance fund that insures all deposits above (FDIC) limits at Massachusetts-chartered savings banks. To read more about the DIF, see their website Deposit Insurance Fund of Massachusetts.

EBSB Direct is currently offering a 16 month CD rate at 1.40 percent with a yield of 1.41 percent. The bank is also offering a 25 month CD rate a 1.40 percent with a yield of 1.41 percent but with this CD account you get to “bump the rate up.” These type of CD accounts allow the depositor increase the CD rate if CD rates increase during the term.

You can see how these EBSB Direct CD rates compare with EBSB CD rates.

Author: Brian McKay

Capital One 360 Bank, the online banking division of the credit card company Capital One, has lowered their short-term CD rates. Capital One 360 Bank CD rates on 6 month and 9 month certificates of deposit were lowered the most at 0.50 percent.

Regular and jumbo 6 month CD rates at Capital One 360 Bank were at 0.90 percent, the third best 6 month rate on our list. The new 6 CD rate of 0.40 percent drops Capital One 360 Bank down on our rate list to 18th place.

9 month regular and jumbo CD rates were also dropped from 0.90 percent to 0.40 percent. Capital One 360 Bank had the second top 9 month rate on our list and now places 7th on the list.

1 year regular and jumbo CD rates were not lowered as much – rates were only lowered 15 basis points.  1 year regular and jumbo CD rates were lowered from 0.90 percent to 0.75 percent. Capital One 360 Bank’s current CD rates are listed below.

Current CD Rates at Capital One 360 Bank

Term APY
6 Month CD 0.40%
9 Month CD 0.40%
12 Month CD 0.75%
18 Month CD 0.90%
24 Month CD 1.10%
30 Month CD 1.10%
36 Month CD 1.10%
48 Month CD 1.10%
60 Month CD 1.25%

You can see how Capital One Bank’s CD rates compare with other bank CD rates by searching our rate lists at CDRates.RatesORama.com.  

 

Author: Brian McKay

Popular Direct CD rates on one, two, and three year certificates of deposit were recently increased. Popular Direct had been offering very competitive CD rates and with these increases, are now the best CD rates on our rate list for all three CD terms. 

Popular Direct’s deposit products are offered through Banco Popular North America (BPNA). Deposit accounts are FDIC insured under Banco Popular North America (FDIC # 34967). In addition to being a member FDIC institution, BPNA is also a New York state chartered bank.

The recent CD rate increases include 1 year CD rates which were increased 4 basis points to 1.29 percent with a yield of 1.30 percent. 2 year CD rates were increased 5 basis points to 1.54 percent with a yield of 1.55 percent. 3 year rates were also increased 5 basis points to 1.59 percent with a yield of 1.60 percent.

Current CD Rates from Popular Direct

Product APY Rate Min. Deposit
3 month CD 0.600% 0.600% $10,000.00
6 month CD 0.850% 0.850% $10,000.00
1 yr CD 1.300% 1.290% $10,000.00
2 yr CD 1.550% 1.540% $10,000.00
3 yr CD 1.600% 1.590% $10,000.00
5 yr CD 2.000% 1.980% $10,000.00
18 month CD 1.350% 1.340% $10,000.00
1 month CD 0.050% 0.050% $10,000.00
2 month CD 0.050% 0.050% $10,000.00
4 yr CD 1.800% 1.780% $10,000.00

You can compare Popular Direct CD rates with other bank CD rates by using our rate lists at RatesORama.com.

Author: Brian McKay