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CD Rates Continue To Move LowerCD rates continue to move lower this past week, continuing the downward trend ever since the Federal Reserve started lowering the fed funds rate. When we started 2019, the best CD rates on 12-month certificates of deposit were around 2.75 percent.

Forecasts were for 12-month CD rates to go above 3.00 percent sometime in 2019. Now a 3.00 percent CD rate is out of reach, at least for this economic cycle and maybe in our lifetimes. About a decade ago, a 1-year CD rate of 5.00 percent wasn’t unheard of, now I’m pretty sure I won’t see that in my lifetime.

Thinking back nostalgically back to the early 1980s, I remember my grandparents getting 1-year CD rates around 12 to 13 percent. Shorter term CD rates were even higher, 3-month CD rates were around 18 percent. The early 1980s was my first introduction to certificates of deposit, remembering my parents and grandparents talking about how high CD rates were.

In addition to talking about how high CD rates were, I also remember them talking about how high inflation was at the time. So, it is a tradeoff, these current low deposit rates are a direct result of low inflation.

Back to the present time and rates, the highest 12-month CD rates this week on our rate list are at 2.23 percent with an APY of 2.25 percent from Cross River Bank. The highest 6-month CD rates right now are at 2.03 percent with an APY of 2.05 percent from TotalDirectBank.

Looking to invest in a longer-term certificate of deposit? The best CD rates on 3-year certificates of deposit are at 2.40 percent and the best 4-year CD rates are at 2.45 percent. Both these top CD rates are also offered by Cross River Bank.

Always compare CD rates online to make sure you are getting the best CD rates available.

Author: Brian McKay
December 15th, 2019

Capital One CD RatesCapital One CD rates are still some of the highest CD rates available from any online bank and there is no minimum deposit to open a CD account at Capital One. Current 1 year CD rates from Capital One are at 2.37%. 18 month CD rates at Capital One are currently at 2.52 percent with an APY of 2.55 percent. 24 month and 30 month CD rates are at 2.18 percent with an APY of 2.20 percent. 36 month and 48 month CD rates are at 2.22 percent with an APY of 2.25 percent. 60 month CD rates are at 2.27 percent with an APY of 2.30 percent.

Author: Brian McKay
September 8th, 2019

TIAA Bank CD Rate Promotion 2.71 - 1 Year CD 2.85 2 Year CD Rate IncreasedTIAA Bank CD rates were recently lowered but are still some of the highest CD rates currently available from any bank. 1 year CD rates at TIAA Bank were lowered slightly to 2.70 percent with an APY of 2.74 percent, down from 2.71 percent with an APY of 2.75 percent. There were a slew of other CD rate changes at TIAA Bank. In fact, all CD rate changes at TIAA Bank were lower except for 2 year rates which were increased. 2 year CD rates were increased from 2.79 percent with an APY of 2.83 percent to 2.81 percent with an APY of 2.85 percent.

TIAA Bank CD Rate Changes

  • 1 Year CD lowered 1 bps to 2.74 percent
  • 18 Month CD lowered 2 bps to 2.77 percent
  • 2 Year CD increased 2 bps to 2.86 percent
  • 30 Month CD lowered 2 bps to 2.64 percent
  • 2 Year CD increased 2 bps to 2.87 percent

TIAA Bank Jumbo CD Rate Changes

  • 1 year jumbo CD lowered 1 bps to 2.74 percent
  • 18 month jumbo CD lowered 2 bps to 2.77 percent
  • 2 year jumbo CD increased 2 bps to 2.86 percent
  • 30 month jumbo CD lowered 2 bps to 2.64 percent
  • 2 year jumbo CD increased 2 bps to 2.87 percent

See how other CD rates at banks compare to TIAA Bank CD Rates.

Author: Brian McKay
March 3rd, 2019

Popular Direct Ups 6 Month CD Rate TodayPopular Direct which already has some of the best CD rates available for several CD terms has upped their 6 month CD rate. 6 month CD rates today at Popular Direct were increased to 2.46 percent with an APY of 2.49 percent. The old 6 month CD rate from Popular Direct was at 2.32 percent with an APY of 2.35 percent. Popular Direct now has the highest CD rate on our 6 month rate list. See how other bank CD rates below compare to Popular Direct CD rates to get the best rate today.

Author: Brian McKay
January 10th, 2019

North American Savings Bank CD RatesNorth American Savings Bank CD rates are some of the highest CD rates available from any bank right now. 12 month CD rates from North American Savings Bank are currently at 2.70 percent with an APY of 2.74 percent. 24 month CD rates at NASB are higher at 2.90 percent with an APY of 2.94 percent. 36 month CD rates from NASB are even better at 3.00 percent with an APY of 3.05 percent. See how NASB CD rates compare with other CD rates at banks to get the best deal today.

Author: Brian McKay
January 1st, 2019

First IB CD RatesFirst Internet Bank CD rates were increased across the board last night and are some of the highest CD rates available online. The highest CD rates increases from First IB were on the bank’s 6 month CDs which were increased by 0.21 percent to 2.48 percent. 1 year CD rates from FIB were increased from 2.73 percent to 2.89 percent. 2 year CD rates from FIB were increased from 2.94 percent to 3.11 percent. 3 year CD rates from FIB were increased from 3.04 percent to 3.17 percent. 5 year CD rates from FIB were increased from 3.35 percent to 3.40 percent. Compare FIB CD rates with other bank CD rates to get the best deal today.

Author: Brian McKay
December 27th, 2018

Mercantil Bank Upped Online CD RatesMercantil Bank CD rates for the bank’s online CDs were recently increased and are now some of the best CD rates around. Current 18 month CD rates from Mercantil Bank are at 2.59 percent. 48 month CD rates from Mercantil Bank are now at 3.11 percent. 60 month CD rates from Mercantil Bank were increased to a whopping 3.50 percent. See how Mercantil Bank CD rates compare with other CD rates to get the best deal today.

Author: Brian McKay
December 22nd, 2018

Popular Direct CD Rates Increased OvernightPopular Direct CD rates which were already some of the best CD rates available were increased last night. 5 year CD rates were increased 10 basis points from 3.45 percent with an APY of 3.50 percent to 3.55 percent to 3.60 percent. 60 month CD rates from Popular Direct are now the highest CD rates available for a 60 month CD. 1 year CD rates at Popular Direct 2.81 percent with an APY of 2.85 percent. The minimum opening deposit for a CD at Popular Direct is $10,000. To get the best CD rate compare other bank CD rates with Popular Direct CD rates.

Author: Brian McKay
December 18th, 2018

PurePoint Financial CD Rates - High Rate Heads UpPurePoint Financial CD rates were increased recently and are now some of the highest CD rates available. Today’s 1 year CD rates at PurePoint Financial are at 2.76 percent with an APY of 2.80 percent. 30 month CD rates from PurePoint Financial are higher at 2.86 percent with an APY of 2.90 percent, now that’s a high rate. See how PurePoint Financial CD Rates currently compare with other online CD rates to get the best rate.

Author: Brian McKay
December 13th, 2018

Best CD Rates in California - CA CD RatesThe best CD rates in California just got even better today thanks to recent increases in California CD rates. California best CD rates on 12 month certificates of deposit are at 2.82 percent with an APY of 2.86 percent. The best CA CD rates on 24 month CD accounts are at 3.01 percent with an APY of 3.05 percent. You can search for and compare the best CD rates in California below.

Author: Brian McKay
December 9th, 2018