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CD rates

CDs by term, ranked by what $10,000 earns over a year at each one’s published rate.

Sorted by: yearly value for $10,000 at each term's rate (a CD within 3 months of the term stands in, said in its notes). The rate is the bank’s published APY for that balance; each row links the bank’s own page and says when we checked it. Data as of Oct 10, 2026. Updated .

CD calculator · CD ladder · Savings accounts

6-month CDs

  1. 9 Month Special CertificateNASA · source · checked Oct 10, 2026membership: open to anyone · not stated: 9-month term: a year assumes renewal at the same rate · not stated: no 6-month term; 9-month used
    A year$445
    APY4.45%
    Term9-month
    To open$10,000
  2. 9-month CDComenity Capital Bank · source · checked Oct 10, 2026not stated: 9-month term: a year assumes renewal at the same rate · not stated: no 6-month term; 9-month used
    A year$440
    APY4.40%
    Term9-month
    To open$1,500
  3. CertificatesBroadview · source · checked Oct 10, 2026not stated: 7-month term: a year assumes renewal at the same rate · not stated: no 6-month term; 7-month used
    A year$440
    APY4.40%
    Term7-month
    To open
  4. Charles Schwab CD OneSource Brokered CDsCharles Schwab Bank, SSB · source · checked Oct 10, 2026not stated: 6-month term: a year assumes renewal at the same rate
    A year$435
    APY4.35%
    Term6-month
    To open
  5. Merrick Bank CDMerrick Bank · source · checked Oct 10, 2026not stated: 6-month term: a year assumes renewal at the same rate
    A year$435
    APY4.35%
    Term6-month
    To open$25,000
  6. Certificates of Deposit (CDs)Raymond James Bank · source · checked Oct 10, 2026not stated: 6-month term: a year assumes renewal at the same rate
    A year$435
    APY4.35%
    Term6-month
    To open$1,000
  7. Consumer Certificate of DepositHappen Bank · source · checked Oct 10, 2026Also at this rate: Certificate of Depositnot stated: 6-month term: a year assumes renewal at the same rate
    A year$430
    APY4.30%
    Term6-month
    To open$500
  8. 6 Month CertificateNASA · source · checked Oct 10, 2026membership: open to anyone · not stated: 6-month term: a year assumes renewal at the same rate
    A year$430
    APY4.30%
    Term6-month
    To open$1,000
  9. 9-Month CDEagleBank · source · checked Oct 10, 2026not stated: 9-month term: a year assumes renewal at the same rate · not stated: no 6-month term; 9-month used
    A year$430
    APY4.30%
    Term9-month
    To open$1,000
  10. CDBeal Bank USA · source · checked Oct 10, 2026not stated: 6-month term: a year assumes renewal at the same rate
    A year$425
    APY4.25%
    Term6-month
    To open$1,000
  11. 6-Month CDPoppy Bank · source · checked Oct 10, 2026not stated: 6-month term: a year assumes renewal at the same rate
    A year$425
    APY4.25%
    Term6-month
    To open

1-year CDs

  1. Certificate of Deposit (“CD”) AccountMorgan Stanley Private Bank · source · checked Oct 10, 2026
    A year$475
    APY4.75%
    Term1-year
    To openNone
  2. Charles Schwab CD OneSource Brokered CDsCharles Schwab Bank, SSB · source · checked Oct 10, 2026
    A year$465
    APY4.65%
    Term1-year
    To open
  3. Merrick Bank CDMerrick Bank · source · checked Oct 10, 2026
    A year$464
    APY4.64%
    Term1-year
    To open$25,000
  4. Certificates of Deposit (CDs)Raymond James Bank · source · checked Oct 10, 2026
    A year$460
    APY4.60%
    Term1-year
    To open$1,000
  5. Certificate of DepositToyota Financial Savings Bank · source · checked Oct 10, 2026
    A year$458
    APY4.58%
    Term1-year
    To open$1
  6. Barclays Certificate of Deposits (CD)Barclays Bank Delaware · source · checked Oct 10, 2026Also at this rate: Barclays Online CD
    A year$450
    APY4.50%
    Term1-year
    To open
  7. 15 Month Special CertificateNASA · source · checked Oct 10, 2026membership: open to anyone · not stated: no 12-month term; 15-month used
    A year$450
    APY4.50%
    Term15-month
    To open$10,000
  8. Certificates of DepositCFG Bank · source · checked Oct 10, 2026
    A year$446
    APY4.46%
    Term1-year
    To open
  9. 1-Year CDComenity Capital Bank · source · checked Oct 10, 2026
    A year$445
    APY4.45%
    Term1-year
    To open$1,500
  10. Certificates of Deposit (CDs)EagleBank · source · checked Oct 10, 2026Also at this rate: 12-Month CD
    A year$445
    APY4.45%
    Term1-year
    To open

18-month CDs

  1. Certificates of Deposit (CDs)Raymond James Bank · source · checked Oct 10, 2026
    A year$485
    APY4.85%
    Term18-month
    To open$1,000
  2. Charles Schwab CD OneSource Brokered CDsCharles Schwab Bank, SSB · source · checked Oct 10, 2026
    A year$482
    APY4.82%
    Term18-month
    To open
  3. 18-month CDComenity Capital Bank · source · checked Oct 10, 2026
    A year$475
    APY4.75%
    Term18-month
    To open$1,500
  4. Certificate of DepositToyota Financial Savings Bank · source · checked Oct 10, 2026
    A year$473
    APY4.73%
    Term18-month
    To open$1
  5. Merrick Bank CDMerrick Bank · source · checked Oct 10, 2026
    A year$465
    APY4.65%
    Term18-month
    To open$25,000
  6. Barclays Certificate of Deposits (CD)Barclays Bank Delaware · source · checked Oct 10, 2026Also at this rate: Barclays Online CD
    A year$450
    APY4.50%
    Term18-month
    To open
  7. Certificates of DepositCFG Bank · source · checked Oct 10, 2026
    A year$450
    APY4.50%
    Term18-month
    To open
  8. 15 Month Special CertificateNASA · source · checked Oct 10, 2026membership: open to anyone · not stated: no 18-month term; 15-month used
    A year$450
    APY4.50%
    Term15-month
    To open$10,000
  9. Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Oct 10, 2026
    A year$440
    APY4.40%
    Term18-month
    To open$2,500
  10. High-Yield CDGoldman Sachs Bank USA · source · checked Oct 10, 2026
    A year$440
    APY4.40%
    Term18-month
    To open$500
  11. 18 Month CDEagleBank · source · checked Oct 10, 2026
    A year$435
    APY4.35%
    Term18-month
    To open$1,000

2-year CDs

  1. Charles Schwab CD OneSource Brokered CDsCharles Schwab Bank, SSB · source · checked Oct 10, 2026
    A year$505
    APY5.05%
    Term2-year
    To open
  2. Certificates of Deposit (CDs)Raymond James Bank · source · checked Oct 10, 2026
    A year$500
    APY5.00%
    Term2-year
    To open$1,000
  3. Certificate of DepositToyota Financial Savings Bank · source · checked Oct 10, 2026
    A year$489
    APY4.89%
    Term2-year
    To open$1
  4. Barclays Certificate of Deposits (CD)Barclays Bank Delaware · source · checked Oct 10, 2026Also at this rate: Barclays Online CD
    A year$475
    APY4.75%
    Term2-year
    To open
  5. 18-month CDComenity Capital Bank · source · checked Oct 10, 2026not stated: no 24-month term; 18-month used
    A year$475
    APY4.75%
    Term18-month
    To open$1,500
  6. Merrick Bank CDMerrick Bank · source · checked Oct 10, 2026
    A year$465
    APY4.65%
    Term2-year
    To open$25,000
  7. Consumer Certificate of DepositHappen Bank · source · checked Oct 10, 2026Also at this rate: Certificate of Deposit
    A year$460
    APY4.60%
    Term2-year
    To open$500
  8. 24-Month CertificateMountain America · source · checked Oct 10, 2026Also at this rate: 24-Month Standard Certificate, Standard Certificate
    A year$450
    APY4.50%
    Term2-year
    To open$500

3-year CDs

  1. Certificates of Deposit (CDs)Raymond James Bank · source · checked Oct 10, 2026
    A year$510
    APY5.10%
    Term3-year
    To open$1,000
  2. Certificate of DepositToyota Financial Savings Bank · source · checked Oct 10, 2026
    A year$499
    APY4.99%
    Term3-year
    To open$1
  3. 3-year CDComenity Capital Bank · source · checked Oct 10, 2026
    A year$450
    APY4.50%
    Term3-year
    To open$1,500
  4. Barclays Certificate of Deposits (CD)Barclays Bank Delaware · source · checked Oct 10, 2026Also at this rate: Barclays Online CD
    A year$450
    APY4.50%
    Term3-year
    To open
  5. Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Oct 10, 2026
    A year$445
    APY4.45%
    Term3-year
    To open$2,500
  6. 36 Month CertificateNASA · source · checked Oct 10, 2026membership: open to anyone
    A year$445
    APY4.45%
    Term3-year
    To open$1,000
  7. Merrick Bank CDMerrick Bank · source · checked Oct 10, 2026
    A year$440
    APY4.40%
    Term3-year
    To open$25,000
  8. Certificates of DepositCFG Bank · source · checked Oct 10, 2026
    A year$440
    APY4.40%
    Term3-year
    To open
  9. High-Yield CDGoldman Sachs Bank USA · source · checked Oct 10, 2026
    A year$440
    APY4.40%
    Term3-year
    To open$500
  10. Standard CertificateMountain America · source · checked Oct 10, 2026
    A year$440
    APY4.40%
    Term3-year
    To open$500
  11. Regular CertificateAmerica First · source · checked Oct 10, 2026Membership limited: military
    A year$440
    APY4.40%
    Term3-year
    To open$500

5-year CDs

  1. Certificates of Deposit (CDs)Raymond James Bank · source · checked Oct 10, 2026
    A year$525
    APY5.25%
    Term5-year
    To open$1,000
  2. Certificate of DepositToyota Financial Savings Bank · source · checked Oct 10, 2026
    A year$515
    APY5.15%
    Term5-year
    To open$1
  3. Barclays Certificate of Deposits (CD)Barclays Bank Delaware · source · checked Oct 10, 2026Also at this rate: Barclays Online CD
    A year$475
    APY4.75%
    Term5-year
    To open
  4. 5-year CDComenity Capital Bank · source · checked Oct 10, 2026
    A year$460
    APY4.60%
    Term5-year
    To open$1,500
  5. 60 Month CertificateNASA · source · checked Oct 10, 2026membership: open to anyone
    A year$455
    APY4.55%
    Term5-year
    To open$1,000
  6. 4-year CDComenity Capital Bank · source · checked Oct 10, 2026not stated: no 60-month term; 48-month used
    A year$455
    APY4.55%
    Term4-year
    To open$1,500
  7. 49 Month Special CertificateNASA · source · checked Oct 10, 2026membership: open to anyone · not stated: no 60-month term; 49-month used
    A year$455
    APY4.55%
    Term49-month
    To open$10,000
  8. 60-Month CertificateCoastal · source · checked Oct 10, 2026
    A year$450
    APY4.50%
    Term5-year
    To open$250
  9. Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Oct 10, 2026
    A year$450
    APY4.50%
    Term5-year
    To open$2,500
  10. Standard CertificateMountain America · source · checked Oct 10, 2026Also at this rate: 60-Month Certificate Special
    A year$450
    APY4.50%
    Term5-year
    To open$500

Rates change often; the bank’s own page is the final word. We sort by the measure named above and nothing else, and no link here pays us. How we make money