Ally Bank 5 Year CD Rate History (2009–2026)
RateBrain has recorded 122 rate changes for Ally Bank's 5 Year CD since July 19, 2009. Its highest rate was 5.15% (Sep 2023) and its lowest 1.25% (Jun 2020). It pays 4.00% APY today, last changed on September 16, 2026. That is up 0.50 percentage points from a year ago.
Current Ally Bank 5 Year CD rate »Ally Bank rate history »5 Year CD rate history »
Rate history chart
Now 4.00% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.00% | 3.40% | 4.00% | 3 |
| 2025 | 3.50% | 3.40% | 3.50% | 1 |
| 2024 | 4.10% | 3.40% | 3.40% | 6 |
| 2023 | 5.15% | 4.10% | 4.10% | 7 |
| 2022 | 4.25% | 1.25% | 4.25% | 1 |
| 2021 | 1.25% | 1.25% | 1.25% | 0 |
| 2020 | 2.15% | 1.25% | 1.25% | 7 |
| 2019 | 3.10% | 2.15% | 2.15% | 13 |
| 2018 | 3.10% | 2.30% | 3.10% | 8 |
| 2017 | 2.35% | 1.70% | 2.30% | 5 |
| 2016 | 2.00% | 1.70% | 1.70% | 3 |
| 2015 | 2.00% | 2.00% | 2.00% | 0 |
| 2014 | 2.00% | 1.60% | 2.00% | 1 |
| 2013 | 1.61% | 1.50% | 1.60% | 8 |
| 2012 | 1.79% | 1.61% | 1.61% | 14 |
| 2011 | 2.40% | 1.79% | 1.79% | 21 |
| 2010 | 3.15% | 2.40% | 2.40% | 16 |
| 2009 | 3.40% | 3.10% | 3.10% | 8 |
All 122 rate changes
| Date | APY | Change |
|---|---|---|
| September 16, 2026 | 4.00% | +0.50 |
| August 25, 2026 | 3.50% | +0.10 |
| January 16, 2026 | 3.40% | −0.10 |
| February 19, 2025 | 3.50% | +0.10 |
| November 21, 2024 | 3.40% | −0.10 |
| October 28, 2024 | 3.50% | −0.10 |
| September 28, 2024 | 3.60% | −0.15 |
| August 28, 2024 | 3.75% | −0.15 |
| February 24, 2024 | 3.90% | −0.10 |
| January 22, 2024 | 4.00% | −0.10 |
| October 5, 2023 | 4.10% | −1.05 |
| September 27, 2023 | 5.15% | +1.05 |
| August 12, 2023 | 4.10% | −0.90 |
| August 4, 2023 | 5.00% | +0.90 |
| August 1, 2023 | 4.10% | −0.90 |
| July 30, 2023 | 5.00% | +0.90 |
| June 1, 2023 | 4.10% | −0.15 |
| December 23, 2022 | 4.25% | +3.00 |
| June 15, 2020 | 1.25% | −0.10 |
| June 2, 2020 | 1.35% | −0.05 |
| May 22, 2020 | 1.40% | −0.10 |
| May 13, 2020 | 1.50% | −0.10 |
| March 25, 2020 | 1.60% | +0.10 |
| March 21, 2020 | 1.50% | −0.25 |
| March 9, 2020 | 1.75% | −0.40 |
| December 10, 2019 | 2.15% | −0.10 |
| October 29, 2019 | 2.25% | −0.05 |
| October 10, 2019 | 2.30% | −0.10 |
| October 2, 2019 | 2.40% | −0.05 |
| September 25, 2019 | 2.45% | −0.05 |
| September 11, 2019 | 2.50% | −0.10 |
| August 27, 2019 | 2.60% | −0.05 |
| August 14, 2019 | 2.65% | +0.15 |
| August 6, 2019 | 2.50% | −0.15 |
| July 31, 2019 | 2.65% | −0.10 |
| July 16, 2019 | 2.75% | −0.10 |
| June 20, 2019 | 2.85% | −0.15 |
| April 4, 2019 | 3.00% | −0.10 |
| November 19, 2018 | 3.10% | +0.10 |
| September 25, 2018 | 3.00% | +0.10 |
| August 12, 2018 | 2.90% | +0.25 |
| July 9, 2018 | 2.65% | +0.15 |
| May 9, 2018 | 2.50% | +0.10 |
| April 7, 2018 | 2.40% | −0.10 |
| March 23, 2018 | 2.50% | +0.10 |
| February 12, 2018 | 2.40% | +0.10 |
| December 28, 2017 | 2.30% | −0.05 |
| December 20, 2017 | 2.35% | +0.10 |
| April 20, 2017 | 2.25% | +0.25 |
| March 29, 2017 | 2.00% | +0.05 |
| March 6, 2017 | 1.95% | +0.25 |
| September 18, 2016 | 1.70% | −0.05 |
| June 19, 2016 | 1.75% | +0.05 |
| May 25, 2016 | 1.70% | −0.30 |
| September 16, 2014 | 2.00% | +0.40 |
| October 23, 2013 | 1.60% | +0.10 |
| October 20, 2013 | 1.50% | −0.10 |
| October 18, 2013 | 1.60% | +0.10 |
| June 18, 2013 | 1.50% | −0.04 |
| May 24, 2013 | 1.54% | +0.03 |
| May 9, 2013 | 1.51% | −0.03 |
| March 19, 2013 | 1.54% | −0.05 |
| January 9, 2013 | 1.59% | −0.02 |
| November 28, 2012 | 1.61% | −0.03 |
| November 15, 2012 | 1.64% | −0.01 |
| October 26, 2012 | 1.65% | −0.04 |
| September 14, 2012 | 1.69% | −0.05 |
| August 5, 2012 | 1.74% | +0.05 |
| July 23, 2012 | 1.69% | −0.05 |
| July 13, 2012 | 1.74% | +0.02 |
| July 3, 2012 | 1.72% | −0.01 |
| June 26, 2012 | 1.73% | +0.08 |
| June 20, 2012 | 1.65% | −0.04 |
| May 17, 2012 | 1.69% | +0.01 |
| April 30, 2012 | 1.68% | −0.01 |
| April 16, 2012 | 1.69% | −0.05 |
| February 10, 2012 | 1.74% | −0.05 |
| December 29, 2011 | 1.79% | −0.05 |
| November 23, 2011 | 1.84% | −0.04 |
| November 19, 2011 | 1.88% | −0.01 |
| November 2, 2011 | 1.89% | −0.09 |
| October 24, 2011 | 1.98% | −0.02 |
| October 14, 2011 | 2.00% | −0.04 |
| September 23, 2011 | 2.04% | −0.05 |
| September 20, 2011 | 2.09% | −0.02 |
| September 12, 2011 | 2.11% | −0.03 |
| September 7, 2011 | 2.14% | −0.03 |
| September 2, 2011 | 2.17% | −0.02 |
| August 29, 2011 | 2.19% | −0.01 |
| August 23, 2011 | 2.20% | −0.10 |
| August 5, 2011 | 2.30% | −0.02 |
| July 28, 2011 | 2.32% | −0.01 |
| July 6, 2011 | 2.33% | −0.01 |
| June 23, 2011 | 2.34% | −0.03 |
| June 15, 2011 | 2.37% | −0.02 |
| May 20, 2011 | 2.39% | −0.01 |
| February 23, 2011 | 2.40% | +0.01 |
| January 6, 2011 | 2.39% | −0.01 |
| November 22, 2010 | 2.40% | −0.04 |
| November 18, 2010 | 2.44% | −0.05 |
| October 20, 2010 | 2.49% | −0.05 |
| October 13, 2010 | 2.54% | −0.01 |
| October 10, 2010 | 2.55% | −0.09 |
| September 29, 2010 | 2.64% | −0.05 |
| September 17, 2010 | 2.69% | −0.05 |
| August 27, 2010 | 2.74% | −0.06 |
| August 16, 2010 | 2.80% | −0.09 |
| August 11, 2010 | 2.89% | −0.05 |
| July 2, 2010 | 2.94% | −0.01 |
| June 26, 2010 | 2.95% | −0.04 |
| March 31, 2010 | 2.99% | −0.10 |
| March 9, 2010 | 3.09% | −0.01 |
| March 5, 2010 | 3.10% | −0.05 |
| January 22, 2010 | 3.15% | +0.05 |
| November 8, 2009 | 3.10% | −0.15 |
| October 31, 2009 | 3.25% | −0.10 |
| October 24, 2009 | 3.35% | −0.05 |
| September 26, 2009 | 3.40% | +0.10 |
| September 4, 2009 | 3.30% | +0.05 |
| August 28, 2009 | 3.25% | +0.05 |
| August 7, 2009 | 3.20% | −0.05 |
| July 19, 2009 | 3.25% | first tracked |
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