Updated May 21, 2012 - Here is a list of the nationally available best CD rates, updated daily. Our staff looks all over the country for the best CD rates available for CDs with the highest rate, from 6 months up to 10 years for the CD term. Usually, the longer the CD term, the higher the CD rate, but for a number of banks the best CD rates were for periods of less than 1 Year. Since some banks offer higher CD rates for longer terms, we've included those CD rates as well (for example here are 5 Year CD Rates). If you're looking for a short term CD rate -- for example - here are 6 Month CD rates .

Certificates of deposit are excellent, safe investments because your principal is protected by FDIC insurance and you are guaranteed a positive rate of return for the term of the CD. Many experts think that FDIC insured CDs are the best place to park cash right now. Almost every bank listed below is FDIC insured, and for those interested in Credit Union CD Rates, those are insured by NCUA. Certificates of deposit can often be opened at your local bank, but the highest CD rates are often found at online banks. Online banks have the top CD rates because they don't have to pay for rent or employees for each branch. Therefore, they can offer the highest CD rates. Some popular online banks with good rates are Ally Bank CD Rates and Discover Bank, and Everbank. Finally, please let us know what you think of our site. We think we provide the some of the best CD rate information (please compare us to Bankrate.com CD Rates and Bankaholic CD Rates). Please send us your feedback!

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Best CD Rates


 (Available Nationwide, Government Insured)


Bank Type APY Actions Last
Checked
PenFed Credit Union
  see details »
2.50%

(down from 2.76%)
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May 21
(Today)

Bank of America
  see details »
2.30%

(down from 2.40%)
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May 18
(3 days ago)

Discover Bank
  see details »
2.25%

(down from 2.45%)
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May 21
(Today)

Melrose Credit Union
  see details »
2.17%

(down from 2.27%)
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May 11
(10 days ago)

Apple Federal Credit Union
  see details »
2.10%

(down from 2.20%)
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May 11
(10 days ago)

Quaint Oak Bank
  see details »
2.05%

(down from 2.15%)
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May 16
(5 days ago)



`
Bank Type APY Actions Last
Checked
Dime Savings Bank
  see details »
2.05%

(down from 2.10%)
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May 11
(10 days ago)

PenFed Credit Union
  see details »
2.00%

(down from 2.25%)
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May 17
(4 days ago)

Connexus Credit Union
  see details »
2.00%

(down from 2.50%)
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May 11
(10 days ago)

Fort Knox Credit Union
  see details »
2.00%

(down from 2.10%)
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May 11
(10 days ago)

Discover Bank
  see details »
2.00%

(down from 2.05%)
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May 8
(13 days ago)

Riverland Credit Union
  see details »
2.00%

(down from 2.35%)
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May 18
(3 days ago)

Chase Bank
  see details »
2.00%

(down from 2.25%)
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May 21
(Today)

Melrose Credit Union
  see details »
1.96%

(down from 2.07%)
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May 17
(4 days ago)

Seacoast Commerce Bank
  see details »
1.85%

(down from 2.10%)
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May 17
(4 days ago)

iGObanking.com
  see details »
1.80%

(up from 1.75%)
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May 18
(3 days ago)

Third Federal Savings and Loan
  see details »
1.80%

(down from 1.90%)
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May 18
(3 days ago)

Intervest National Bank
  see details »
1.77%

(down from 1.80%)
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May 17
(4 days ago)

Self Help Credit Union
  see details »
1.77%

(down from 2.02%)
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May 21
(Today)

Self Help Credit Union
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1.77%

(up from 1.75%)
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May 17
(4 days ago)

Intervest National Bank
  see details »
1.77%

(down from 1.80%)
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May 18
(3 days ago)

Intervest National Bank
  see details »
1.77%

(down from 1.80%)
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May 11
(10 days ago)

Melrose Credit Union
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1.76%

(down from 1.86%)
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May 17
(4 days ago)

USAA
  see details »
1.75%

(down from 1.90%)
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May 17
(4 days ago)

Discover Bank
  see details »
1.75%

(down from 1.80%)
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May 21
(Today)

iGObanking.com
  see details »
1.70%

(up from 1.35%)
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May 11
(10 days ago)

First Internet Bank
  see details »
1.70%

(down from 1.75%)
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May 11
(10 days ago)

Ally Bank
  see details »
1.69%

(up from 1.68%)
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May 17
(4 days ago)

USAA
  see details »
1.66%

(down from 1.71%)
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May 17
(4 days ago)

Quaint Oak Bank
  see details »
1.65%

(down from 1.75%)
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May 11
(10 days ago)

EverBank
  see details »
1.65%

(down from 1.69%)
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May 17
(4 days ago)

Androscoggin Bank
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1.65%

(up from 1.50%)
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May 18
(3 days ago)

Colorado Federal Savings Bank
  see details »
1.65%

(down from 1.70%)
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May 17
(4 days ago)

Dime Savings Bank
  see details »
1.60%

(down from 1.65%)
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May 16
(5 days ago)

Fort Knox Credit Union
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1.60%

(down from 1.70%)
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May 17
(4 days ago)

E-LOAN
  see details »
1.60%

(down from 1.90%)
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May 18
(3 days ago)

Nationwide Bank
  see details »
1.60%

(down from 1.65%)
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May 17
(4 days ago)

Salem Five
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1.60%

(down from 1.65%)
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May 17
(4 days ago)

AIG Bank
  see details »
1.60%

(down from 1.63%)
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May 17
(4 days ago)

Principal Bank
  see details »
1.56%

(down from 1.71%)
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May 17
(4 days ago)

Equity Bank
  see details »
1.55%

(down from 1.81%)
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May 17
(4 days ago)

Discover Bank
  see details »
1.55%

(down from 1.60%)
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May 17
(4 days ago)

Seacoast Commerce Bank
  see details »
1.55%

(down from 1.80%)
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May 18
(3 days ago)

Self Help Credit Union
  see details »
1.51%

(down from 2.02%)
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May 18
(3 days ago)

Virtual Bank
  see details »
1.51%

(down from 1.66%)
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May 18
(3 days ago)

Academy Bank AF
  see details »
1.50%

(up from 1.35%)
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May 18
(3 days ago)

Nova Bank
  see details »
1.50%

(down from 1.70%)
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May 17
(4 days ago)

Sallie Mae
  see details »
1.50%

(down from 1.99%)
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May 11
(10 days ago)

Apple Federal Credit Union
  see details »
1.50%

(down from 1.60%)
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May 18
(3 days ago)

Riverland Credit Union
  see details »
1.50%

(down from 1.75%)
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May 18
(3 days ago)

Kaiser Federal Bank
  see details »
1.50%

(down from 1.65%)
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May 18
(3 days ago)

Virtual Bank
  see details »
1.46%

(down from 1.66%)
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May 18
(3 days ago)

Ally Bank
  see details »
1.45%

(down from 1.49%)
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May 18
(3 days ago)

Intervest National Bank
  see details »
1.45%

(down from 1.60%)
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May 17
(4 days ago)

Quaint Oak Bank
  see details »
1.45%

(down from 1.50%)
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May 11
(10 days ago)

Academy Bank AF
  see details »
1.40%

(up from 1.35%)
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May 18
(3 days ago)

Melrose Credit Union
  see details »
1.36%

(down from 1.41%)
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May 11
(10 days ago)

Cardinal Bank
  see details »
1.35%

(down from 1.55%)
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May 17
(4 days ago)

Seacoast Commerce Bank
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1.35%

(down from 1.60%)
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May 11
(10 days ago)

Discover Bank
  see details »
1.35%

(down from 1.40%)
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May 17
(4 days ago)

Williamstown Savings Bank
  see details »
1.35%

(down from 1.75%)
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May 18
(3 days ago)

Goldwater Bank
  see details »
1.34%

(down from 1.45%)
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May 17
(4 days ago)

Virtual Bank
  see details »
1.31%

(down from 1.41%)
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May 18
(3 days ago)

USAA
  see details »
1.31%

(down from 1.36%)
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May 18
(3 days ago)

Sallie Mae
  see details »
1.30%

(up from 1.00%)
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May 11
(10 days ago)

Alliant Credit Union
  see details »
1.30%

(down from 1.40%)
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May 18
(3 days ago)

Hudson City Bank
  see details »
1.30%

(down from 1.40%)
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May 18
(3 days ago)

Ally Bank
  see details »
1.30%

(down from 1.34%)
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May 11
(10 days ago)

Fort Knox Credit Union
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1.30%

(down from 1.40%)
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May 17
(4 days ago)

Self Help Credit Union
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1.26%

(down from 1.77%)
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May 18
(3 days ago)

First City Bank
  see details »
1.25%

(down from 1.75%)
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May 16
(5 days ago)

Nova Bank
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1.25%

(down from 1.50%)
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May 16
(5 days ago)

Colorado Federal Savings Bank
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1.25%

(down from 1.35%)
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May 11
(10 days ago)

Jacksonville Bank
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1.25%

(down from 1.35%)
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May 18
(3 days ago)

First Trade Union Bank
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1.25%

(down from 1.35%)
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May 18
(3 days ago)

Riverland Credit Union
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1.25%

(down from 1.50%)
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May 11
(10 days ago)

CIT Bank
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1.20%

(down from 1.26%)
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May 11
(10 days ago)

Apple Federal Credit Union
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1.20%

(down from 1.30%)
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May 11
(10 days ago)

Dime Savings Bank
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1.20%

(down from 1.25%)
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May 16
(5 days ago)

Alostar Bank of Commerce
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1.19%

(down from 1.40%)
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May 8
(13 days ago)

First City Bank
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1.15%

(down from 1.35%)
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May 11
(10 days ago)

Discover Bank
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1.15%

(down from 1.20%)
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May 11
(10 days ago)

Goldwater Bank
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1.15%

(down from 1.25%)
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May 18
(3 days ago)

Ameriprise Bank
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1.15%

(down from 1.20%)
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May 8
(13 days ago)

Charles Schwab Bank
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1.15%

(down from 1.16%)
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May 8
(13 days ago)

Academy Bank AF
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1.15%

(up from 1.05%)
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May 8
(13 days ago)

Doral Bank Direct
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1.15%

(up from 1.00%)
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May 11
(10 days ago)

Connexus Credit Union
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1.10%

(down from 1.50%)
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May 11
(10 days ago)

USAA
  see details »
1.10%

(down from 1.15%)
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May 21
(Today)

Bank of America
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1.10%

(down from 1.11%)
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May 17
(4 days ago)

American Express
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1.10%

(down from 1.60%)
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May 17
(4 days ago)

iGoBanking.com
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1.10%

(down from 1.35%)
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May 18
(3 days ago)

Chase Bank
  see details »
1.10%

(down from 1.25%)
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May 11
(10 days ago)

First Command Bank
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1.10%

(down from 1.15%)
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May 17
(4 days ago)

Nova Bank
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1.10%

(down from 1.20%)
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May 17
(4 days ago)

Hudson City Bank
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1.10%

(down from 1.15%)
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May 18
(3 days ago)

California First Bank
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1.10%

(up from 1.05%)
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May 8
(13 days ago)

Nationwide Bank
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1.10%

(down from 1.20%)
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May 11
(10 days ago)

First City Bank
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1.10%

(down from 1.20%)
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May 17
(4 days ago)

Melrose Credit Union
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1.10%

(down from 1.15%)
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May 18
(3 days ago)

Colorado Federal Savings Bank
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1.10%

(down from 1.15%)
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May 18
(3 days ago)

CIT Bank
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1.08%

(up from 1.06%)
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May 11
(10 days ago)

EverBank
  see details »
1.06%

(down from 1.08%)
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May 11
(10 days ago)

Self Help Credit Union
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1.06%

(down from 1.31%)
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May 21
(Today)

Alostar Bank of Commerce
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1.06%

(down from 1.10%)
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May 18
(3 days ago)

Geauga Savings Bank
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1.05%

(down from 1.10%)
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May 11
(10 days ago)

Colorado Federal Savings Bank
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1.05%

(up from 0.95%)
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May 18
(3 days ago)

Fort Knox Credit Union
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1.05%

(down from 1.15%)
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May 17
(4 days ago)

Quaint Oak Bank
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1.05%

(down from 1.10%)
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May 18
(3 days ago)

Intervest National Bank
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1.05%

(down from 1.10%)
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May 17
(4 days ago)

AIG Bank
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1.05%

(down from 1.07%)
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May 11
(10 days ago)

Cardinal Bank
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1.05%

(down from 1.25%)
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May 17
(4 days ago)

Ally Bank
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1.04%

(up from 1.02%)
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May 18
(3 days ago)

Nationwide Bank
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1.03%

(down from 1.05%)
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May 21
(Today)

Dime Savings Bank
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1.01%

(down from 1.05%)
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May 18
(3 days ago)

Capital One
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1.01%

(down from 1.50%)
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May 11
(10 days ago)

EverBank
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1.01%

(down from 1.05%)
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May 18
(3 days ago)

Citibank
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1.01%

(up from 1.00%)
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May 11
(10 days ago)

Capital One
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1.01%

(down from 1.85%)
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May 18
(3 days ago)

Williamstown Savings Bank
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1.00%

(down from 1.25%)
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May 11
(10 days ago)

Seacoast Commerce Bank
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1.00%

(down from 1.25%)
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May 18
(3 days ago)

Riverland Credit Union
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1.00%

(down from 1.10%)
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May 17
(4 days ago)

Atlantic Coast Bank
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1.00%

(down from 1.30%)
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May 17
(4 days ago)

Salem Five
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1.00%

(up from 0.80%)
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May 8
(13 days ago)

Alliance Bank
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1.00%

(down from 1.25%)
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May 16
(5 days ago)

ING Direct
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1.00%

(down from 1.10%)
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May 17
(4 days ago)

The Union Bank
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1.00%

(down from 1.25%)
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May 18
(3 days ago)

First Internet Bank
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1.00%

(down from 1.04%)
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May 8
(13 days ago)

Alliant Credit Union
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1.00%

(down from 1.20%)
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May 18
(3 days ago)

Delta Community Credit Union
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1.00%

(down from 1.05%)
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May 18
(3 days ago)

American Express
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1.00%

(down from 1.50%)
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May 11
(10 days ago)

Acacia Bank
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1.00%

(down from 1.25%)
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May 17
(4 days ago)

Ascencia
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1.00%

(up from 0.75%)
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May 18
(3 days ago)

First City Bank
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1.00%

(down from 1.15%)
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May 8
(13 days ago)

State Bank of India
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1.00%

(down from 1.05%)
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May 11
(10 days ago)

Acacia Bank
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1.00%

(down from 1.10%)
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May 18
(3 days ago)

Connexus Credit Union
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1.00%

(down from 1.25%)
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May 21
(Today)

Academy Bank AF
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0.95%

(up from 0.85%)
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May 17
(4 days ago)

New Dominion Direct
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0.95%

(down from 1.00%)
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May 8
(13 days ago)

Nova Bank
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0.90%

(down from 1.00%)
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May 18
(3 days ago)

New Dominion Direct
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0.90%

(down from 1.00%)
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May 8
(13 days ago)

Androscoggin Bank
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0.90%

(down from 1.15%)
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May 18
(3 days ago)

Virtual Bank
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0.90%

(down from 1.01%)
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May 17
(4 days ago)

Discover Bank
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0.90%

(down from 1.00%)
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May 8
(13 days ago)

iGoBanking.com
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0.90%

(down from 1.10%)
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May 17
(4 days ago)

Virtual Bank
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0.90%

(down from 1.06%)
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May 21
(Today)

Sallie Mae
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0.90%

(down from 1.00%)
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May 17
(4 days ago)

Goldwater Bank
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0.90%

(down from 1.00%)
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May 16
(5 days ago)

First National Community Bank
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0.90%

(down from 1.00%)
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May 8
(13 days ago)

American Express
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0.90%

(down from 1.40%)
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May 11
(10 days ago)

AIG Bank
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0.88%

(down from 0.90%)
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May 21
(Today)

Bank of America
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0.85%

(down from 0.95%)
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May 18
(3 days ago)

Cardinal Bank
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0.85%

(down from 1.15%)
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May 17
(4 days ago)

Wilshire State Bank
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0.85%

(down from 1.05%)
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May 11
(10 days ago)

Williamstown Savings Bank
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0.85%

(down from 1.25%)
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May 18
(3 days ago)

OneWest Bank
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0.85%

(down from 0.90%)
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May 18
(3 days ago)

Intervest National Bank
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0.81%

(down from 0.96%)
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May 17
(4 days ago)

Charles Schwab Bank
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0.81%

(up from 0.80%)
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May 8
(13 days ago)

Ascencia
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0.81%

(up from 0.75%)
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May 18
(3 days ago)

ING Direct
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0.80%

(down from 0.90%)
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May 17
(4 days ago)

American Express
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0.80%

(down from 1.30%)
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May 11
(10 days ago)

Hanmi Bank
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0.80%

(down from 1.11%)
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May 16
(5 days ago)

ING Direct
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0.80%

(down from 0.90%)
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May 18
(3 days ago)

Ameriprise Bank
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0.75%

(down from 0.80%)
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May 21
(Today)

Atlantic Coast Bank
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0.75%

(down from 0.90%)
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May 17
(4 days ago)

Quaint Oak Bank
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0.75%

(down from 0.80%)
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May 8
(13 days ago)

First City Bank
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0.75%

(down from 0.90%)
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May 17
(4 days ago)

Williamstown Savings Bank
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0.75%

(down from 1.00%)
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May 21
(Today)

Ameriprise Bank
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0.75%

(up from 0.60%)
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May 17
(4 days ago)

H&R Block Bank
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0.75%

(down from 1.00%)
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May 18
(3 days ago)

Capital One
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0.75%

(down from 1.25%)
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May 17
(4 days ago)

Capital One
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0.75%

(down from 1.01%)
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May 11
(10 days ago)

Self Help Credit Union
  see details »
0.75%

(down from 1.01%)
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May 21
(Today)

Ameriprise Bank
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0.75%

(down from 0.80%)
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May 17
(4 days ago)

Ally Bank
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0.74%

(down from 0.75%)
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May 11
(10 days ago)

Virtual Bank
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0.70%

(down from 0.75%)
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May 18
(3 days ago)

Southeast Financial CU
  see details »
0.70%

(down from 1.00%)
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May 18
(3 days ago)

Academy Bank AF
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0.70%

(up from 0.60%)
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May 17
(4 days ago)

New Dominion Direct
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0.70%

(down from 0.80%)
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May 18
(3 days ago)

First National Community Bank
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0.70%

(down from 0.75%)
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May 18
(3 days ago)

Jacksonville Bank
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0.70%

(down from 0.85%)
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May 8
(13 days ago)

iGoBanking.com
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0.70%

(down from 0.80%)
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May 17
(4 days ago)

New Dominion Direct
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0.70%

(down from 0.80%)
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May 18
(3 days ago)

Apple Federal Credit Union
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0.70%

(down from 0.80%)
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May 8
(13 days ago)

Wilshire State Bank
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0.65%

(down from 0.75%)
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May 18
(3 days ago)

Fort Knox Credit Union
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0.65%

(down from 0.75%)
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May 17
(4 days ago)

Cardinal Bank
  see details »
0.65%

(down from 0.85%)
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May 16
(5 days ago)

Nat'l Bank of Kansas City
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0.65%

(down from 2.05%)
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May 11
(10 days ago)

Kaiser Federal Bank
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0.60%

(down from 0.70%)
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May 21
(Today)

Bank of America
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0.60%

(down from 0.70%)
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May 17
(4 days ago)

Palladian Bank
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0.60%

(down from 1.25%)
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May 11
(10 days ago)

Charles Schwab Bank
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0.60%

(down from 1.00%)
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May 21
(Today)

Nova Bank
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0.60%

(down from 0.70%)
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May 18
(3 days ago)

Nat'l Bank of Kansas City
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0.55%

(down from 1.83%)
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May 11
(10 days ago)

American Express
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0.55%

(down from 0.90%)
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May 17
(4 days ago)

EverBank
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0.55%

(down from 0.56%)
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May 16
(5 days ago)

First City Bank
  see details »
0.50%

(down from 0.75%)
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May 8
(13 days ago)

iGoBanking.com
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0.50%

(down from 0.65%)
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May 16
(5 days ago)

ING Direct
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0.50%

(down from 0.60%)
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May 16
(5 days ago)

Geauga Savings Bank
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0.50%

(down from 0.60%)
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May 18
(3 days ago)

ING Direct
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0.50%

(down from 0.60%)
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May 18
(3 days ago)

Ameriprise Bank
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0.50%

(down from 0.55%)
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May 18
(3 days ago)

ING Direct
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0.50%

(down from 0.60%)
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May 18
(3 days ago)

Flagstar Direct
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0.50%

(down from 0.75%)
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May 17
(4 days ago)

Seacoast Commerce Bank
  see details »
0.50%

(down from 0.75%)
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May 18
(3 days ago)

H&R Block Bank
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0.50%

(down from 0.75%)
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May 11
(10 days ago)

The Union Bank
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0.50%

(down from 1.00%)
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May 18
(3 days ago)

Wedbush Bank
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0.50%

(down from 0.90%)
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May 11
(10 days ago)

Alliance Bank
  see details »
0.50%

(down from 0.75%)
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May 11
(10 days ago)

Academy Bank
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0.50%

(down from 0.60%)
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May 3
(18 days ago)

Southeast Financial CU
  see details »
0.50%

(down from 0.75%)
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May 17
(4 days ago)

Nat'l Bank of Kansas City
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0.45%

(up from 0.35%)
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May 21
(Today)

Palladian Bank
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0.45%

(down from 1.00%)
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May 18
(3 days ago)

First Michigan Bank
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0.45%

(down from 0.50%)
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May 18
(3 days ago)

Charles Schwab Bank
  see details »
0.45%

(down from 0.80%)
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May 11
(10 days ago)

Quaint Oak Bank
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0.45%

(down from 0.50%)
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May 18
(3 days ago)

State Farm Bank
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0.45%

(down from 0.55%)
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May 11
(10 days ago)

Bank of America
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0.40%

(down from 0.45%)
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May 17
(4 days ago)

First National Community Bank
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0.40%

(down from 0.45%)
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May 11
(10 days ago)

The Union Bank
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0.40%

(down from 0.50%)
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May 11
(10 days ago)

The Union Bank
  see details »
0.40%

(down from 0.50%)
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May 21
(Today)

Centennial Bank
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0.40%

(down from 0.45%)
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May 18
(3 days ago)

Capital One
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0.40%

(down from 0.65%)
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May 18
(3 days ago)

Williamstown Savings Bank
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0.40%

(down from 0.50%)
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May 17
(4 days ago)

Bank of America
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0.35%

(down from 0.40%)
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May 8
(13 days ago)

Academy Bank AF
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0.35%

(up from 0.30%)
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May 7
(14 days ago)

Aurora Bank
  see details »
0.35%

(down from 0.85%)
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May 17
(4 days ago)

Aurora Bank
  see details »
0.35%

(down from 0.60%)
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May 11
(10 days ago)

Aurora Bank
  see details »
0.35%

(down from 0.90%)
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May 17
(4 days ago)

Nat'l Bank of Kansas City
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0.35%

(down from 1.22%)
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May 11
(10 days ago)

Southeast Financial CU
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0.30%

(down from 0.50%)
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May 17
(4 days ago)

First Michigan Bank
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0.30%

(down from 0.45%)
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May 18
(3 days ago)

Aurora Bank
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0.25%

(down from 0.40%)
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May 18
(3 days ago)

First National Community Bank
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0.25%

(down from 0.30%)
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May 8
(13 days ago)

Williamstown Savings Bank
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0.25%

(down from 0.35%)
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May 21
(Today)

Charles Schwab Bank
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0.20%

(down from 0.40%)
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May 18
(3 days ago)

HSBC Advance
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0.20%

(down from 0.35%)
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May 2
(19 days ago)

Aurora Bank
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0.15%

(down from 0.35%)
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May 18
(3 days ago)

Aurora Bank
  see details »
0.10%

(down from 0.30%)
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May 11
(10 days ago)

Charles Schwab Bank
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0.10%

(down from 0.20%)
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May 8
(13 days ago)



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