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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
Presidential Bank, FSB

  (3 out of 5)
2 yr CD
1.100%
08/31/2015
1.090%
$1,000.00
 
E-Loan

  (4 out of 5)
2 yr CD
1.520%
09/03/2015
1.510%
$10,000.00
 
Silvergate Bank

  (3 out of 5)
2 yr CD
1.460%
09/03/2015
1.450%
$25,000.00
 
Pentagon Federal Credit Union

  (4 out of 5)
2 yr CD
1.410%
09/03/2015
1.400%
$1,000.00
 
AloStar Bank of Commerce

  (5 out of 5)
2 yr CD
1.400%
09/03/2015
1.390%
$1,000.00
 
California First National Bank

  (5 out of 5)
2 yr CD
1.400%
09/03/2015
1.390%
$5,000.00
 
First Internet Bank of Indiana

  (4 out of 5)
2 yr CD
1.310%
09/03/2015
1.300%
$1,000.00
 
Discover Bank

  (5 out of 5)
2 yr CD
1.300%
09/03/2015
1.290%
$2,500.00
Rates that consistently beat the competition. Open a CD today! 
Home Savings Bank

  (4 out of 5)
2 yr CD
1.300%
09/03/2015
1.290%
$10,000.00
 
Nordstrom Bank

  (5 out of 5)
2 yr CD
1.300%
09/03/2015
1.290%
$1,000.00
Variety of Terms, Member FDIC 
Ally Bank

  (4 out of 5)
2 yr CD
1.290%
09/03/2015
1.280%
$0.00
If Our Rate on this CD Goes Up Yours Can Too. Learn More Now. 
VirtualBank

  (4 out of 5)
2 yr CD
1.260%
09/03/2015
1.250%
$10,000.00
FDIC Insured 
Colorado Federal Savings Bank

  (3 out of 5)
2 yr CD
1.250%
09/03/2015
1.240%
$5,000.00
 
Lone Star Bank

  (3 out of 5)
2 yr CD
1.180%
09/03/2015
1.170%
$1,000.00
 
Chartway Federal Credit Union

  (3 out of 5)
2 yr CD
1.150%
09/03/2015
1.150%
$25,000.00
 
GE Capital Bank

  (5 out of 5)
2 yr CD
1.100%
09/03/2015
1.090%
$500.00
No transaction fees. $500 Minimum Deposit. FDIC Insured. Open Now 
Goldwater Bank

  (2 out of 5)
2 yr CD
1.090%
09/03/2015
1.090%
$5,000.00
 
EH National Bank

  (2 out of 5)
2 yr CD
1.060%
09/03/2015
1.050%
$10,000.00
 
giantbank.com

  (4 out of 5)
2 yr CD
1.060%
09/03/2015
1.050%
$2,500.00
 
TAB Bank

  (4 out of 5)
2 yr CD
1.010%
09/03/2015
1.000%
$1,000.00
Member FDIC. Great Rates on Savings. 
USAA

  (5 out of 5)
2 yr CD
0.810%
09/03/2015
0.810%
$1,000.00
Competitive rates from USAA. Strong, Stable, FDIC insured. 
Astoria Bank

  (3 out of 5)
2 yr CD
0.750%
09/03/2015
0.750%
$500.00
 
ableBanking, a division of Northeast Bank

  (4 out of 5)
2 yr CD
0.700%
09/03/2015
0.700%
$1,000.00
$25 New Customer Gift to give to charity (501c3). FDIC insured. 
Bangor Savings Bank

  (4 out of 5)
2 yr CD
0.650%
09/03/2015
0.650%
$500.00
 
NewDominion Bank

  (1 out of 5)
2 yr CD
0.650%
09/03/2015
0.640%
$1,000.00
Achieve Rapid Growth Results w/Our Rates! Open Online-Member FDIC 
5 Star Bank

  (5 out of 5)
2 yr CD
0.600%
09/03/2015
0.600%
$1,000.00
 
Heritage Bank

  (4 out of 5)
2 yr CD
0.440%
09/03/2015
0.440%
$2,000.00
 
State Farm Bank

  (4 out of 5)
2 yr CD
0.400%
09/03/2015
0.400%
$500.00
 
Mount McKinley Bank

  (5 out of 5)
2 yr CD
0.250%
09/03/2015
0.250%
$5,000.00
 

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.
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If you have money in certificates of deposit the best place to be is in short term CDs. The reason being, interest rates are moving higher very soon. The best overall CD deal on our rate list is still on MyCBB Bank’s 2 month CD. The bank’s current 2 month CD rate is at 0.80 percent.

Interest rates might move higher as soon as next month when the Federal Open Market Committee meets. Saying invested in a 2 month CD at 0.80 percent is a good move, that way you can roll over the CD into a new higher rate.

Some banks are already increasing CD rates. The largest increase on our rate list this week is on EverBank’s 3 month CD. The bank’s 3 month rate was increased from 0.35 percent to 0.55 percent. A 0.20 percent increase, which is 0.57 percent higher than the old rate.

Listed below are the best CD rates for CD terms of 2 months to 1 year.

Best 2 Month Rates

  • MyCBB Rate 0.80% APY 0.80%
  • E-Loan Rate 0.16% APY 0.16%
  • Loan Star Bank Rate 0.15% APY 0.15%
  • Virtual Bank Rate 0.15% APY 0.15%

Best 3 Month Rates

  • EverBank 0.55% APY 0.55% (up 0.20%)
  • California First National Bank 055% APY 0.55%
  • First Internet Bank of Indiana 0.45% APY 0.45%
  • AloStar Bank of Commerce 0.40% APY 0.40%
  • Goldwater Bank 0.40% APY 0.40%
  • Virtual Bank 0.40% APY 0.40%
  • Discover Bank 0.35% APY 0.35%
  • Nordstrom Bank 0.35% APY 0.35%

Best 6 Month Rates

  • California First National Bank 0.85% APY 0.85%
  • MyCBB 0.85% APY 0.85%
  • EH National Bank 0.80% APY 0.80%
  • My e-BAnC by BAC Florida Bank 0.80% APY 0.80%
  • AloStar Bank of Commerce 0.80% APY 0.80%
  • ableBanking, a division of Northeast Bank 0.80% APY 0.80%
  • Silvergate Bank 0.75% APY 0.75%
  • Chartway Federal Credit Union 0.75% APY 0.75%

Best 9 Month Rates

  • New Dominion Bank 0.89% APY 0.90%
  • AloStar Bank of Commerce 0.80% APY 0.80%
  • giantbank.com 0.70% APY 0.70%
  • Discover Bank 0.70% APY 0.70%
  • GE Capital Bank 0.70% APY 0.70%
  • Virtual Bank 0.70% APY 0.70%

Best 1 Year Rates

  • E-Loan 1.29% APY 1.30% (up 0.05%)
  • CIT Bank 1.24% APY 1.25%
  • Synchrony Bank 1.24% APY 1.25%
  • Sallie Mae Bank 1.24% APY 1.25%
  • Bank Direct 1.20% APY 1.21%
  • AloStar Bank of Commerce 1.20% APY 1.21%
  • My e-BAnC by BAC Florida Bank 1.19% APY 1.20%
  • Colorado Federal Savings Bank 1.19% APY 1.20%
  • Home Savings Bank 1.19% APY 1.20%

Search and compare bank CD rates from many banks on our rate lists at RatesORama.com

Author: Brian McKay

The best CD rates on 1 year certificates of deposit remain at 1.25 percent this week. There are four banks tied with the highest 1 year CD rate. Synchrony Bank, CIT Bank, Sallie Mae and E-Loan are all offering the top rate at 1.24 percent with an APY of 1.25 percent.

The Federal Open Market Committee (FOMC) opens their two day meeting later today. Markets are not anticipating the Fed to increase the federal funds rate during this meeting. Any hawkish comments in the FOMC’s post-meeting statement could indicate a hike during the upcoming September meeting.

If the Fed hikes interest rates during the September meeting, the increase will be 0.25 percent. A fed funds rate increase of 0.25 percent would send the highest 1 year CD rates towards 1.50 percent. The last time the Fed increase the rate was almost a decade ago back in 2006.

Listed below are the top certificate of deposit rates for July 25, 2015:

1 Month Bank CD Rates

  • Lone Star Bank 0.15% APY
  • Virtual Bank 0.15% APY
  • AloStar Bank of Commerce 0.10% APY
  • E-Loan 0.10% APY

2 Month Bank CD Rates

  • MyCBB 0.80% APY
  • E-LOAN 0.16% APY
  • Lone Star Bank 0.15% APY
  • Virtual Bank 0.15% APY

3 Month Bank CD Rates

  • California First National Bank 0.55% APY
  • First Internet Bank of Indiana 0.45% APY
  • AloStar Bank of Commerce 0.40% APY
  • Goldwater Bank 0.40% APY
  • VirtualBank 0.40% APY
  • Discover Bank 0.35% APY

6 Month Bank CD Rates

  • California First National Bank 0.85% APY
  • My e-BAnC by BAC Florida Bank 0.85% APY
  • AloStar Bank of Commerce 0.80% APY
  • Silvergate Bank 0.75% APY

9 Month Bank CD Rates

  • NewDominion Bank 0.90% APY
  • AloStar Bank of Commerce 0.80% APY
  • Discover Bank  0.70% APY
  • GE Capital Bank 0.70% APY
  • VirtualBank 0.70% APY
  • giantbank.com 0.70% APY

1 Year Bank CD Rates

  • Synchrony Bank 1.24% APY 1.25%
  • CIT Bank 1.24% APY 1.25%
  • Sallie Mae Bank 1.24% APY 1.25%
  • E-Loan 1.24% APY 1.25%
  • Bank Direct 1.20% APY 1.21%
  • My e-BAnC by BAC Florida Bank 1.19% APY 1.20%
  • Home Savings Bank 1.19% APY 1.20%
  • Colorado FSB 1.19% APY 1.20%

18 Month Bank CD Rates

  • Synchrony Bank 1.24% APY 1.25%
  • E-Loan 1.24% APY 1.25%
  • Nordstorm Bank 1.24% APY 1.25%
  • VirtualBank 1.20% APY 1.21%
  • AloStar Bank of Commerce 1.20% APY 1.21%
  • My e-BAnC by BAC Florida Bank 1.19% APY 1.20%

2 Year CD Rates

  • E-Loan 1.51% APY 1.52%
  • Silvergate Bank 1.45% APY 1.46%
  • Synchrony Bank 1.44% APY 1.45%
  • Pentagon Federal Credit Union 1.40% APY 1.41%
  • AloStar Bank of Commerce 1.39% APY 1.40%
  • CIT Bank 1.39% APY 1.40%
  • iGObanking.com 1.34% APY 1.35%

3 Year Bank CD Rates

  • Silvergate Bank 1.65% APY 1.66%
  • E-Loan 1.64% APY 1.65%
  • EverBank 1.64% APY 1.65%
  • First Internet Bank of Indiana 1.50% APY 1.51%
  • Synchrony Bank 1.49% APY 1.50%
  • Lone Star Bank 1.49% APY 1.50%
  • AloStar Bank of Commerce 1.48% APY 1.50%

4 Year Bank CD Rates

  • E-Loan 1.89% APY 1.91%
  • EverBank 1.89% APY 1.91%
  • Nationwide Bank 1.84% APY 1.86%
  • CIT Bank 1.80% APY 1.82%
  • Virtual Bank 1.77% APY 1.78%%
  • Capital One 1.75% APY 1.75%
  • Discover 1.74% APY 1.76%
  • Synchrony Bank 1.73% APY 1.75%

5 Year Bank CD Rates

  • EverBank 2.28% APY 2.31%
  • E-Loan 2.28% APY 2.31%
  • Synchrony Bank 2.23% APY 2.25%
  • Capital One 2.23% APY 2.25%
  • First Internet Bank of Indiana 2.15% APY 2.17%

CD rates change all the time, for a current list of rates on our list visit RatesORama.com

Author: Brian McKay

We have two new leaders on our 1 year CD rates list. Synchrony Bank and Sallie Mae Bank are both offering 1 year CD rates at 1.24 percent with an APY of 1.25 percent. Nordstrom Bank’s 1 year CD rate had the top spot last week at 1.22 percent with an APY of 1.23 percent.

Author: Brian McKay

Nordstrom Bank CD rates are new to our rate table having been added this past month. Nordstrom Bank’s rates are very competitive and the bank’s 1 year CD rate is the third top rate on our 1 year CD rates list. The bank’s deposits are insured by the FDIC, the bank’s FDIC Certificate number is 33497.

Nordstrom Bank is a trade name of Nordstrom FSB, a wholly owned subsidiary of Nordstrom, Inc. The bank’s full service and only brick and mortar office is based in Scottsdale, Arizona. In case you’re wondering, the bank is associated with the high end department store Nordstrom.

Now let’s take a look at the CD interest rates offered. 1 year CD rates at Nordstrom Bank are currently at 1.22 percent with an APY of 1.23 percent. The only banks on our list that have a better rate are Synchrony Bank and CIT Bank at 1.24 percent with an APY of 1.25 percent

The bank’s other rates are competitive but don’t make into the top 5 on our rate lists. Listed below are all the rates offered by the bank.

Nordstrom Bank Current CD Rates

  • 3 Month Rate 0.35% APY 0.35%
  • 6 Month Rate 0.45% APY 0.45%
  • 1 Year Rate 1.22% APY 1.23%
  • 18 Month Rate 1.24% APY 1.25%
  • 2 Year Rate 1.29% APY 1.30%
  • 3 Year Rate 1.44% APY 1.45%
  • 5 Year Rate 1.83% APY 1.85%

Nordstrom Bank rates are effective as of April 28, 2015.

Author: Brian McKay

Certificate of deposit rates continue to slowly move higher this week. While several banks increased their CD rates, there are no new highs to report on this week. Like I have stated in the past, we will have to wait for the Federal Open Market Committee to vote to increase the federal funds rate before we see remarkably higher CD rates.

It won’t be too long before we actually see higher rates. The FOMC usually votes to increase or decrease the federal funds rate during one of their regularly scheduled meetings. The next FOMC meeting scheduled for June 16 and June 17.

There is a chance we will see the fed funds rate increased during the June meeting. After the June meeting, there is another meeting in July and one in September. There is almost a 100 percent certainly that the rate will be increased between June and September.

Since CD rates are moving higher over the next 4 months you should stay invested in shorter term certificates of deposit. The best short term CD rate we have right now is on our 2 month rate list. MyCBB Bank 2 month CD rate is currently at 0.80 percent with an APY of 0.80 percent.

Listed below are the highest CD rates for both short term and long term certificates of deposit. Also listed below are the FDIC’s national average rates for May 11, 2015. The FDIC releases a weekly report on national average deposit rates.

Highest Certificate of Deposit Rates May 17, 2015

1 Month CD Rates

  • Lone Star Bank 0.15% APY
  • Virtual Bank 0.15% APY
  • AloStar Bank of Commerce 0.10% APY

2 Month CD Rates

  • MyCBB 0.80% APY 0.80%
  • E-LOAN 0.16% APY 0.16%
  • Lone Star Bank 0.15% APY 0.15%
  • Virtual Bank 0.15% APY 0.15

3 Month CD Rates

  • California First National Bank 0.60% APY 0.60%
  • First Internet Bank of Indiana 0.45% APY 0.45%
  • AloStar Bank of Commerce 0.40% APY 0.40%
  • Goldwater Bank 0.40% APY 0.40%
  • VirtualBank 0.40% APY 0.40%
  • Discover Bank 0.35% APY 0.35

6 Month CD Rates

  • Zions Direct 1.00% APY 1.00%
  • California First National Bank 0.95% APY 0.95%
  • Pentagon Federal Credit Union 0.81% APY 0.81%
  • My e-BAnC by BAC Florida Bank 0.80% APY 0.80%
  • Silvergate Bank 0.75% APY 0.75%
  • Colorado Federal Savings Bank 0.70% APY 0.70%
  • First Internet Bank of Indiana 0.70% APY 0.70%
  • Goldwater Bank 0.70% APY 0.70%

9 Month CD Rates

  • NewDominion Bank 0.80% APY 0.90%
  • AloStar Bank of Commerce 0.80% APY 0.80%
  • Discover Bank  0.70% APY 0.70%
  • VirtualBank 0.70% APY 0.70%
  • giantbank.com 0.70% APY 0.70%
  • USAA 0.66% APY 0.66%
  • EverBank 0.63% APY 0.63%
  • Barclays 0.60% APY 0.60%

1 Year CD Rates

  •  Colorado FSB 1.34% APY 1.35%
  • Pentagon FCU 1.30% APY 1.31%
  • Synchrony Bank 1.22% APY 1.23%
  • Bank Direct 1.20% APY 1.21%
  • My e-BAnC by BAC Florida Bank 1.19% APY 1.20%
  • Home Savings Bank 1.19% APY 1.20%
  • California First National Bank 1.15% APY 1.16%
  • VirtualBank 1.15% APY 1.16%

18 Month CD Rates

  • Synchrony Bank 1.24% APY 1.25%
  • VirtualBank 1.20% APY 1.21%
  • My e-BAnC by BAC Florida Bank 1.19% APY 1.20%
  • AloStar Bank of Commerce 1.14% APY 1.15%
  • First Internet Bank of Indiana 1.10% APY 1.10%
  • Ally Bank 1.09% APY 1.10%
  • Colorado Federal Savings Bank 1.04% APY 1.05%
  • Discover Bank 1.04% APY 1.05%

2 Year CD Rates

  • Synchrony Bank 1.34% APY 1.35%
  • CIT Bank 1.34% APY 1.35%
  • Barclays 1.34% APY 1.35%
  • iGObanking.com 1.34% APY 1.35%
  • My e-BAnC by BAC Florida Bank 1.30% APY 1.31%
  • Home Savings Bank 1.29% APY 1.30%
  • Ally Bank 1.28% APY 1.29%

30 Month CD Rates

  • Lone Star Bank 1.41% APY 1.42%
  • Discover Bank  1.29% APY 1.30%
  • EverBank 1.23% APY 1.24%
  • USAA 0.85% APY 0.85%

3 Year CD Rates

  • Synchrony Bank 1.49% APY 1.50%
  • Lone Star Bank 1.49% APY 1.50%
  • Capital One 1.49% APY 1.49%
  • First Internet Bank of Indiana 1.45% APY 1.46%
  • Barclays Bank 1.44% APY 1.45%
  • Discover Bank 1.44% APY 1.45%
  • EverBank 1.44% APY 1.45%

4 Year CD Rates

  • Nationwide Bank 1.84% APY 1.86%
  • Barclays Bank 1.83% APY 1.85%
  • CIT Bank 1.80% APY 1.82%
  • Virtual Bank 1.77% APY 1.78%
  • EverBank 1.76% APY 1.78%
  • Capital One 1.75% APY 1.75%
  • Discover 1.74% APY 1.76%
  • Synchrony Bank 1.73% APY 1.75%

5 Year CD Rates

  •  Synchrony Bank 2.23% APY 2.25%
  • Barclays Bank 2.23% APY 2.25%
  • Capital One 2.18% APY 2.18%
  • Home Savings Bank 2.13% APY 2.15%
  • First Internet Bank of Indiana 2.10% APY 2.12%
  • EverBank 2.01% APY 2.03%

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%
Author: Brian McKay