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Certificate of Deposit Rates 2020

FDIC Insured up to $250,000  •  National rate is 0.20%  •  January 18th, 2020

What you'll need to open your new CD account

Banks & Reviews APY Rate For APY
1 Year CDs
Fulton Bank, NA 0.05% 0.05% $1,000
Farmers Bank 0.05% 0.05% $1,000
Bank of America 0.05% 0.05% $1,000
SunTrust Bank 0.10% 0.10% $2,000
BB&T 0.10% 0.10% $1,000
First Horizon Bank 0.10% 0.10% $1,000
Wells Fargo 0.15% 0.15% $2,500
Wells Fargo 0.15% 0.15% $2,500
Applied Bank 0.15% 0.15% $1,000
TD Bank, NA 0.25% 0.25% $250
Citizens Trust Bank 0.40% 0.40% $500
Burke & Herbert Bank & Trust Company 0.40% 0.40% $500
Citibank 0.50% 0.50% $2,500
California First National Bank 0.50% 0.50% $5,000
Sandy Spring Bank 0.65% 0.65% $1,000
BAP Test 0.80% 0.80% $1
Amalgamated Bank 0.95% 0.95% $500
Pendleton Community Bank, Inc. 1.05% 1.04% $500
Old Dominion National Bank 1.05% 1.05% $500
United Bank 1.10% 1.10% $500
Bank of Pensacola 1.20% 1.20% $500
Bangor Savings Bank 1.26% 1.25% $500
Armed Forces Bank, N.A. 1.31% 1.31% $500
5 Star Bank 1.36% 1.35% $1,000
Luana Savings Bank 1.36% 1.35% $1,000
Woodforest National Bank 1.41% 1.41% $500
Home Savings Bank 1.50% 1.49% $5,000
Radius Bank 1.55% 1.54% $500
Langley FCU 1.56% 1.55% $1,000
Union Bank (Michigan) 1.61% 1.61% $500
Vio Bank 1.65% 1.64% $500
Pentagon Federal Credit Union 1.70% 1.69% $1,000
USAA 1.74% 1.73% $1,000
Beal Bank USA 1.75% 1.75% $1,000
Northpointe Bank 1.75% 1.73% $1,000
NBKC Bank 1.75% 1.74% $1,000
Virginia Credit Union 1.75% 1.74% $500
Northwest Federal Credit Union 1.80% 1.79% $1,000
Apple Federal Credit Union 1.80% 1.80% $500
First Internet Bank of Indiana 1.87% 1.85% $1,000
ableBanking, a division of Northeast Bank 1.95% 1.94% $1,000
Goldwater Bank 1.95% 1.95% $5,000
TIAA Bank 1.95% 1.93% $5,000
BankDirect 2.00% 1.98% $10,000
Discover Bank 2.00% 1.98% $2,500
Presidential Bank, FSB 2.00% 1.98% $1,000
Presidential Bank, FSB 2.00% 1.98% $1,000
Barclays 2.00% 1.98% $0
Ally Bank 2.00% 1.98% $0
M.Y. Safra Bank, FSB 2.02% 2.00% $500
State Department Federal Credit Union 2.02% 2.02% $500
TotalDirectBank 2.05% 2.05% $25,000
Citizens Access 2.10% 2.08% $5,000
Sallie Mae 2.10% 2.08% $2,500
Colorado Federal Savings Bank 2.11% 2.09% $5,000
Live Oak Bank 2.15% 2.13% $2,500
Rising Bank 2.15% 2.13% $1,000
1.5 Year CDs
Farmers Bank 0.15% 0.15% $1,000
Applied Bank 0.15% 0.15% $1,000
TD Bank, NA 0.30% 0.30% $250
Fulton Bank, NA 0.40% 0.40% $1,000
Burke & Herbert Bank & Trust Company 0.40% 0.40% $500
Citizens Trust Bank 0.50% 0.50% $500
Sandy Spring Bank 0.75% 0.75% $1,000
Pendleton Community Bank, Inc. 1.05% 1.04% $500
Old Dominion National Bank 1.10% 1.10% $500
Bangor Savings Bank 1.31% 1.30% $500
Luana Savings Bank 1.36% 1.35% $1,000
Armed Forces Bank, N.A. 1.41% 1.41% $500
Home Savings Bank 1.50% 1.49% $5,000
Vio Bank 1.60% 1.59% $500
Radius Bank 1.60% 1.59% $500
Langley FCU 1.66% 1.65% $1,000
Union Bank (Michigan) 1.66% 1.66% $500
Pentagon Federal Credit Union 1.75% 1.74% $1,000
USAA 1.79% 1.78% $1,000
Northpointe Bank 1.80% 1.78% $1,000
Capital One 1.90% 1.88% $0
Goldwater Bank 1.95% 1.94% $5,000
First Internet Bank of Indiana 1.97% 1.95% $1,000
BankDirect 2.00% 1.98% $10,000
M.Y. Safra Bank, FSB 2.02% 2.00% $750
Colorado Federal Savings Bank 2.06% 2.04% $5,000
Sallie Mae 2.10% 2.08% $2,500
Rising Bank 2.15% 2.13% $25,000
Live Oak Bank 2.15% 2.13% $2,500
2 Year CDs
Bank of America 0.10% 0.10% $1,000
First Horizon Bank 0.15% 0.15% $1,000
Applied Bank 0.15% 0.15% $1,000
Wells Fargo 0.20% 0.20% $2,500
Wells Fargo 0.20% 0.20% $2,500
SunTrust Bank 0.20% 0.20% $2,000
BB&T 0.20% 0.20% $1,000
California First National Bank 0.25% 0.25% $5,000
Farmers Bank 0.25% 0.25% $1,000
TD Bank, NA 0.40% 0.40% $250
Fulton Bank, NA 0.40% 0.40% $1,000
Burke & Herbert Bank & Trust Company 0.50% 0.50% $500
Citizens Trust Bank 0.60% 0.60% $500
Citibank 0.70% 0.70% $2,500
Sandy Spring Bank 0.80% 0.80% $1,000
Amalgamated Bank 1.00% 1.00% $500
Pendleton Community Bank, Inc. 1.10% 1.09% $500
United Bank 1.20% 1.20% $500
Old Dominion National Bank 1.21% 1.20% $500
Bangor Savings Bank 1.36% 1.35% $500
Luana Savings Bank 1.41% 1.40% $1,000
Woodforest National Bank 1.46% 1.46% $500
Home Savings Bank 1.50% 1.49% $5,000
Armed Forces Bank, N.A. 1.51% 1.51% $500
Northwest Federal Credit Union 1.57% 1.56% $1,000
Vio Bank 1.65% 1.64% $500
5 Star Bank 1.66% 1.45% $1,000
Langley FCU 1.66% 1.65% $1,000
Radius Bank 1.70% 1.69% $500
Pentagon Federal Credit Union 1.75% 1.74% $1,000
Union Bank (Michigan) 1.76% 1.76% $500
Capital One 1.80% 1.79% $0
USAA 1.83% 1.81% $1,000
Northpointe Bank 1.85% 1.83% $1,000
Apple Federal Credit Union 1.85% 1.85% $500
BankDirect 1.95% 1.93% $10,000
Virginia Credit Union 1.95% 1.94% $500
NBKC Bank 1.97% 1.95% $1,000
Goldwater Bank 2.00% 1.99% $5,000
Discover Bank 2.05% 2.03% $2,500
ableBanking, a division of Northeast Bank 2.05% 2.04% $1,000
Presidential Bank, FSB 2.05% 2.03% $1,000
Rising Bank 2.05% 2.03% $1,000
Presidential Bank, FSB 2.05% 2.03% $1,000
Colorado Federal Savings Bank 2.07% 2.05% $5,000
First Internet Bank of Indiana 2.07% 2.05% $1,000
TotalDirectBank 2.10% 2.10% $25,000
Citizens Access 2.10% 2.08% $5,000
M.Y. Safra Bank, FSB 2.10% 2.08% $1,000
State Department Federal Credit Union 2.12% 2.12% $500
Sallie Mae 2.15% 2.13% $2,500
Live Oak Bank 2.20% 2.18% $2,500

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