Best CDs

July 22nd, 2019

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Overview

Certificates of Deposit, also known as CDs, are savings accounts that typically have higher interest rates than both high-yield savings accounts and money market accounts. This is because they have one small catch: you won’t be able to touch your money until after a set amount of time.

In order to choose the CDs that works the best for you, you’ll need to shop around. When deciding on which bank to open your account with, you’ll want to compare interest rates (APY), term lengths, and minimum balances. Fortunately for you, we've done all the research, sorted through the details, and have created a comparison tool of the best CDs available. If you would rather see the complete list of CDs you can find them here.

Want to learn more about CDs and other high-interest savings accounts, check out our video playlist on Maximize Your Savings!.

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

3

months

0.75%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

3

months

0.75%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

3

months

2.15%

Wells Fargo Standard CD

Wells Fargo Logo

Term

APY

Account Minimum

6

months

0.75%

Standard rate. Interest rates vary by location

Special Pricing:

Receive a bonus interest rate by linking your Portfolio by Wells Fargo account.

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

6

months

1.00%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

6

months

1.00%

Citibank CD

Citibank Logo

Term

APY

Account Minimum

6

months

1.01%

Account minimum may vary by state

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

6

months

1.70%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

6

months

2.00%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

6

months

2.20%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

6

months

2.45%

Citibank CD

Citibank Logo

Term

APY

Account Minimum

7

months

2.00%

Chase Featured Term CD

Chase Logo

Term

APY

Account Minimum

9

- 11

months

1.01%

Relationship rate. Interest rates vary by location

up to $9,999 opening deposit

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

9

months

1.25%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

9

months

1.25%

Wells Fargo Special CD

Wells Fargo Logo

Term

APY

Account Minimum

9

months

1.88%

Standard rate. Interest rates vary by location

Special Pricing:

Receive a bonus interest rate by linking your Portfolio by Wells Fargo account.

Chase Featured Term CD

Chase Logo

Term

APY

Account Minimum

9

- 11

months

2.00%

Relationship rate. Interest rates vary by location

up to $99,999 opening deposit

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

9

months

2.25%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

9

months

2.47%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

11

months

2.50%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

1

year

2.25%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

1

year

2.30%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

1

year

2.45%

Marcus High-Yield CD

Marcus By Goldman Sachs Logo

Term

APY

Account Minimum

1

year

2.50%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

1

year

2.50%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

1

year

2.50%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

1

year

2.50%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

13

months

2.55%

BBVA Compass CD

BBVA Logo

Term

APY

Account Minimum

15

months

2.00%

USAA Standard CD

USAA Logo

Term

APY

Account Minimum

15

months

2.06%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

15

months

2.25%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

15

months

2.55%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

18

months

0.55%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

18

months

2.30%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

18

months

2.45%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

18

months

2.50%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

18

months

2.50%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

18

months

2.50%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

18

months

2.50%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

2

year

2.35%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

2

year

2.50%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

2

year

2.50%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

2

year

2.50%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

2

year

2.55%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

30

months

2.35%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

30

months

2.35%

Discover CD

Discover Logo

Term

APY

Account Minimum

30

months

2.45%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

30

months

2.50%

State Farm Bank CD

State Farm Bank Logo

Term

APY

Account Minimum

30

months

2.50%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

30

months

2.55%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

3

years

2.40%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

3

years

2.40%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

3

years

2.50%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

3

years

2.55%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

3

years

2.55%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

3

years

2.60%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

3

years

2.60%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

4

years

2.45%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

4

years

2.45%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

4

years

2.60%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

4

years

2.65%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

4

years

2.65%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

4

years

2.65%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

5

years

2.50%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

5

years

2.50%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

5

years

2.50%

Discover CD

Discover Logo

Term

APY

Account Minimum

5

years

2.60%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

5

years

2.70%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

5

years

2.70%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

5

years

2.75%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

5

years

2.75%

Marcus High-Yield CD

Marcus By Goldman Sachs Logo

Term

APY

Account Minimum

5

years

2.80%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

5

years

2.80%

Marcus High-Yield CD

Marcus By Goldman Sachs Logo

Term

APY

Account Minimum

6

years

2.85%

Discover CD

Discover Logo

Term

APY

Account Minimum

7

years

2.65%

Discover CD

Discover Logo

Term

APY

Account Minimum

10

years

2.70%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

3

months

0.75%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

3

months

0.75%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

3

months

2.15%

Wells Fargo Standard CD

Wells Fargo Logo

Term

APY

Account Minimum

6

months

0.75%

Standard rate. Interest rates vary by location

Special Pricing:

Receive a bonus interest rate by linking your Portfolio by Wells Fargo account.

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

6

months

1.00%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

6

months

1.00%

Citibank CD

Citibank Logo

Term

APY

Account Minimum

6

months

1.01%

Account minimum may vary by state

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

6

months

1.70%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

6

months

2.00%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

6

months

2.20%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

6

months

2.45%

Citibank CD

Citibank Logo

Term

APY

Account Minimum

7

months

2.00%

Chase Featured Term CD

Chase Logo

Term

APY

Account Minimum

9

- 11

months

1.01%

Relationship rate. Interest rates vary by location

up to $9,999 opening deposit

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

9

months

1.25%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

9

months

1.25%

Wells Fargo Special CD

Wells Fargo Logo

Term

APY

Account Minimum

9

months

1.88%

Standard rate. Interest rates vary by location

Special Pricing:

Receive a bonus interest rate by linking your Portfolio by Wells Fargo account.

Chase Featured Term CD

Chase Logo

Term

APY

Account Minimum

9

- 11

months

2.00%

Relationship rate. Interest rates vary by location

up to $99,999 opening deposit

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

9

months

2.25%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

9

months

2.47%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

11

months

2.50%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

1

year

2.25%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

1

year

2.30%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

1

year

2.45%

Marcus High-Yield CD

Marcus By Goldman Sachs Logo

Term

APY

Account Minimum

1

year

2.50%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

1

year

2.50%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

1

year

2.50%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

1

year

2.50%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

13

months

2.55%

BBVA Compass CD

BBVA Logo

Term

APY

Account Minimum

15

months

2.00%

USAA Standard CD

USAA Logo

Term

APY

Account Minimum

15

months

2.06%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

15

months

2.25%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

15

months

2.55%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

18

months

0.55%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

18

months

2.30%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

18

months

2.45%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

18

months

2.50%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

18

months

2.50%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

18

months

2.50%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

18

months

2.50%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

2

year

2.35%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

2

year

2.50%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

2

year

2.50%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

2

year

2.50%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

2

year

2.55%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

30

months

2.35%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

30

months

2.35%

Discover CD

Discover Logo

Term

APY

Account Minimum

30

months

2.45%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

30

months

2.50%

State Farm Bank CD

State Farm Bank Logo

Term

APY

Account Minimum

30

months

2.50%

TIAA Bank CD

TIAA Bank Logo

Term

APY

Account Minimum

30

months

2.55%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

3

years

2.40%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

3

years

2.40%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

3

years

2.50%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

3

years

2.55%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

3

years

2.55%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

3

years

2.60%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

3

years

2.60%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

4

years

2.45%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

4

years

2.45%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

4

years

2.60%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

4

years

2.65%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

4

years

2.65%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

4

years

2.65%

Sallie Mae CD

Sallie Mae Logo

Term

APY

Account Minimum

5

years

2.50%

Capital One 360 CD

Capital One Logo

Term

APY

Account Minimum

5

years

2.50%

PurePoint Financial CD

Purepoint Financial Logo

Term

APY

Account Minimum

5

years

2.50%

Discover CD

Discover Logo

Term

APY

Account Minimum

5

years

2.60%

Citizens Access CD

Citizens Access Logo

Term

APY

Account Minimum

5

years

2.70%

American Express CD

American Express National Bank Logo

Term

APY

Account Minimum

5

years

2.70%

Ally Bank High-Yield CD

Ally Bank Logo

Term

APY

Account Minimum

5

years

2.75%

Barclays Online CD

Barclays Logo

Term

APY

Account Minimum

5

years

2.75%

Marcus High-Yield CD

Marcus By Goldman Sachs Logo

Term

APY

Account Minimum

5

years

2.80%

Synchrony Bank CD

Synchrony Bank Logo

Term

APY

Account Minimum

5

years

2.80%

Marcus High-Yield CD

Marcus By Goldman Sachs Logo

Term

APY

Account Minimum

6

years

2.85%

Discover CD

Discover Logo

Term

APY

Account Minimum

7

years

2.65%

Discover CD

Discover Logo

Term

APY

Account Minimum

10

years

2.70%