Discover Bank CD Rate - 1 Year
Discover Bank's 1 Year CD is no longer offered; it last paid 4.00% APY as of July 25, 2026. The rate was raised from 3.90% on July 25, 2026. Since RateBrain began tracking it in 2009, this 1 Year CD has paid as much as 5.20% (Oct 2023) and as little as 0.50% (Nov 2020).
4.00% APY
up from 3.90% on Jul 25
- Last checked
- Jul 25 · 1 month ago
- Minimum deposit
- $2,500
Rate history
Last seen at 4.00% APY
- All-time high 5.20% (Oct 2023)
- Low 0.50% (Nov 2020)
- 1-year change 0.00
- 99 changes
- Tracked since May 2009
- Full rate history »
The gray line is the median 1 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| July 25, 2026 | 4.00% | +0.10 |
| December 10, 2025 | 3.90% | −0.15 |
| November 18, 2025 | 4.05% | +0.20 |
| October 31, 2025 | 3.85% | −0.15 |
| September 16, 2025 | 4.00% | −0.20 |
| August 28, 2025 | 4.20% | +0.20 |
| December 20, 2024 | 4.00% | −0.10 |
| September 25, 2024 | 4.10% | −0.40 |
| September 11, 2024 | 4.50% | −0.10 |
| August 23, 2024 | 4.60% | −0.10 |
| March 19, 2024 | 4.70% | −0.10 |
| March 5, 2024 | 4.80% | −0.10 |
| February 16, 2024 | 4.90% | −0.10 |
| February 1, 2024 | 5.00% | −0.20 |
| October 30, 2023 | 5.20% | +0.20 |
| September 23, 2023 | 5.00% | +0.15 |
| July 25, 2023 | 4.85% | +0.10 |
| May 17, 2023 | 4.75% | +0.25 |
| March 26, 2023 | 4.50% | +0.25 |
| February 6, 2023 | 4.25% | +0.10 |
Show all 99 changes
| Date | APY | Change |
|---|---|---|
| December 23, 2022 | 4.15% | +0.15 |
| November 11, 2022 | 4.00% | +0.25 |
| November 3, 2022 | 3.75% | +0.50 |
| October 12, 2022 | 3.25% | +0.25 |
| September 29, 2022 | 3.00% | +0.30 |
| September 4, 2022 | 2.70% | +0.20 |
| August 22, 2022 | 2.50% | +0.20 |
| July 28, 2022 | 2.30% | +0.40 |
| July 11, 2022 | 1.90% | +0.15 |
| June 29, 2022 | 1.75% | +0.25 |
| May 29, 2022 | 1.50% | +0.20 |
| May 26, 2022 | 1.30% | +0.10 |
| May 9, 2022 | 1.20% | +0.40 |
| April 21, 2022 | 0.80% | +0.10 |
| April 5, 2022 | 0.70% | +0.15 |
| November 29, 2021 | 0.55% | +0.05 |
| November 30, 2020 | 0.50% | −0.10 |
| September 21, 2020 | 0.60% | −0.10 |
| September 3, 2020 | 0.70% | −0.10 |
| August 25, 2020 | 0.80% | −0.10 |
| June 26, 2020 | 0.90% | −0.11 |
| May 29, 2020 | 1.01% | −0.24 |
| May 22, 2020 | 1.25% | −0.10 |
| May 15, 2020 | 1.35% | −0.15 |
| April 10, 2020 | 1.50% | −0.25 |
| March 12, 2020 | 1.75% | −0.25 |
| November 21, 2019 | 2.00% | −0.10 |
| October 31, 2019 | 2.10% | −0.10 |
| October 17, 2019 | 2.20% | −0.10 |
| September 26, 2019 | 2.30% | −0.10 |
| July 19, 2019 | 2.40% | −0.10 |
| June 18, 2019 | 2.50% | −0.15 |
| January 21, 2019 | 2.65% | +0.05 |
| November 7, 2018 | 2.60% | +0.10 |
| September 24, 2018 | 2.50% | +0.25 |
| August 29, 2018 | 2.25% | −0.15 |
| August 22, 2018 | 2.40% | +0.15 |
| June 13, 2018 | 2.25% | +0.15 |
| May 18, 2018 | 2.10% | +0.10 |
| April 24, 2018 | 2.00% | +0.10 |
| March 5, 2018 | 1.90% | +0.14 |
| February 1, 2018 | 1.76% | +0.16 |
| December 28, 2017 | 1.60% | +0.10 |
| November 8, 2017 | 1.50% | +0.15 |
| June 19, 2017 | 1.35% | +0.10 |
| March 29, 2017 | 1.25% | +0.10 |
| September 23, 2015 | 1.15% | +0.15 |
| July 1, 2015 | 1.00% | +0.05 |
| March 30, 2015 | 0.95% | −0.05 |
| July 22, 2014 | 1.00% | +0.05 |
| December 25, 2013 | 0.95% | +0.10 |
| October 23, 2013 | 0.85% | −0.05 |
| October 10, 2013 | 0.90% | +0.10 |
| August 23, 2013 | 0.80% | −0.05 |
| May 1, 2013 | 0.85% | −0.05 |
| February 20, 2013 | 0.90% | −0.10 |
| October 12, 2012 | 1.00% | +0.10 |
| February 21, 2012 | 0.90% | −0.10 |
| November 4, 2011 | 1.00% | −0.10 |
| September 21, 2011 | 1.10% | −0.05 |
| August 24, 2011 | 1.15% | −0.05 |
| March 2, 2011 | 1.20% | −0.05 |
| February 8, 2011 | 1.25% | −0.05 |
| December 1, 2010 | 1.30% | −0.05 |
| September 21, 2010 | 1.35% | −0.10 |
| August 26, 2010 | 1.45% | −0.05 |
| March 31, 2010 | 1.50% | −0.10 |
| February 23, 2010 | 1.60% | −0.10 |
| February 3, 2010 | 1.70% | −0.05 |
| January 7, 2010 | 1.75% | −0.10 |
| December 3, 2009 | 1.85% | −0.05 |
| November 3, 2009 | 1.90% | −0.10 |
| October 1, 2009 | 2.00% | +0.05 |
| September 1, 2009 | 1.95% | −0.05 |
| July 21, 2009 | 2.00% | −0.10 |
| July 7, 2009 | 2.10% | −0.10 |
| June 30, 2009 | 2.20% | −0.10 |
| May 20, 2009 | 2.30% | −0.05 |
| May 15, 2009 | 2.35% | first tracked |
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Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.