Certificate of Deposit Rates 2023

FDIC Insured up to $250,000  •  National rate is 0.20%  •  November 30th, 2023

What you'll need to open your new CD account

Banks & Reviews APY Rate For APY
1 Year CDs
Truist 0.01% 0.01% $1,000
Bank of America 0.03% 0.03% $1,000
Applied Bank 0.05% 0.05% $1,000
First Horizon Bank 0.10% 0.10% $1,000
Burke & Herbert Bank & Trust Company 0.10% 0.10% $500
Axos Bank 0.20% 0.20% $1,000
Washington Savings Bank 0.25% 0.25% $500
Bank of Hope 0.30% 0.30% $1,000
CIT Bank, N.A 0.30% 0.30% $1,000
Fulton Bank, NA 0.70% 0.70% $1,000
TD Bank, NA 1.00% 1.00% $250
WebBank 1.10% 1.09% $2,500
Northpointe Bank 1.25% 1.24% $1,000
Pendleton Community Bank, Inc. 1.35% 1.34% $500
Wells Fargo 1.50% 1.49% $2,500
Primis Bank 1.50% 1.49% $250
Wells Fargo 1.50% 1.49% $2,500
Woodforest National Bank 1.70% 1.69% $500
United Bank 2.00% 1.98% $500
Quorum Federal Credit Union 2.60% 2.57% $1,000
Boeing Employees Credit Union 3.04% 3.00% $500
State Bank of India California 3.29% 3.25% $1,000
Lone Star Bank 3.50% 3.44% $1,000
Amerant Bank 3.75% 3.68% $10,000
VirtualBank 3.87% 3.80% $10,000
Virginia Credit Union 3.90% 3.84% $500
Bethpage Federal Credit Union 4.00% 3.92% $50
Langley FCU 4.15% 4.07% $500
Amalgamated Bank 4.25% 4.25% $500
Bank5 Connect 4.25% 4.17% $500
American Express National Bank 4.25% 4.16% $0
Citibank 4.30% 4.21% $2,500
Schools First FCU 4.45% 4.35% $500
Sandy Spring Bank 4.50% 4.41% $1,000
Apple Federal Credit Union 4.50% 4.40% $500
Salem Five Direct 5.00% 4.89% $10,000
Northwest Federal Credit Union 5.00% 4.89% $1,000
HSBC Direct 5.00% 4.88% $1,000
Everbank, NA 5.00% 4.88% $1,000
Presidential Bank, FSB 5.00% 4.89% $1,000
Capital One, NA 5.00% 4.89% $0
State Department Federal Credit Union 5.09% 4.96% $500
FinWise Bank 5.10% 5.00% $500
GTE Financial Credit Union 5.12% 5.00% $500
Discover Bank 5.20% 5.07% $2,500
Vio Bank 5.25% 5.12% $500
Banesco USA 5.25% 5.12% $1,500
BankPurely, a division of Flushing Bank 5.25% 5.12% $1,000
USAA Federal Savings Bank 5.25% 5.13% $1,000
Armed Forces Bank, N.A. 5.25% 5.12% $500
America First FCU 5.25% 5.13% $500
TAB Bank 5.27% 5.14% $1,000
Quontic Bank 5.30% 5.16% $500
Synchrony Bank 5.30% 5.30% $0
Rising Bank 5.35% 5.25% $1,000
First Internet Bank of Indiana 5.35% 5.22% $1,000
Union Bank (Michigan) 5.35% 5.21% $500
CFG Community Bank 5.35% 5.22% $500
BrioDirect 5.35% 5.21% $500
Live Oak Bank 5.40% 5.26% $2,500
Merrick Bank 5.45% 5.31% $25,000
Citizens Access 5.50% 5.35% $5,000
Sallie Mae 5.50% 5.35% $2,500
Old Dominion National Bank 5.50% 5.39% $500
Barclays 5.50% 5.50% $0
LendingClub 5.55% 5.55% $2,500
Limelight Bank, a division of Capital Community Bank 5.63% 5.48% $1,000
BMO Alto 5.65% 5.50% $0
CIBC Bank USA 5.66% 5.52% $1,000
Popular Direct 5.67% 5.52% $10,000
1.25 Year CDs
Sallie Mae 5.55% 5.40% $2,500
1.5 Year CDs
Burke & Herbert Bank & Trust Company 0.10% 0.10% $500
iGOBanking.com 0.15% 0.15% $1,000
Fulton Bank, NA 0.95% 0.95% $1,000
TD Bank, NA 1.00% 1.00% $250
American Express National Bank 1.00% 1.00% $0
Old Dominion National Bank 1.15% 1.15% $500
Northpointe Bank 1.50% 1.48% $1,000
Primis Bank 1.55% 1.54% $250
Union Bank (Michigan) 1.91% 1.89% $500
Armed Forces Bank, N.A. 2.52% 2.49% $500
Bethpage Federal Credit Union 3.00% 2.96% $50
Langley FCU 4.40% 4.31% $500
Schools First FCU 4.45% 4.35% $500
Sandy Spring Bank 4.50% 4.41% $1,000
Salem Five Direct 4.50% 4.41% $10,000
America First FCU 4.50% 4.41% $500
CIT Bank, N.A 4.60% 4.50% $1,000
LendingClub Bank 5.00% 4.89% $2,500
Discover Bank 5.00% 4.88% $2,500
Capital One 5.00% 5.00% $0
CFG Community Bank 5.05% 4.94% $500
First Internet Bank of Indiana 5.07% 4.96% $1,000
TAB Bank 5.13% 5.00% $1,000
Ally Bank 5.15% 5.02% $0
Sallie Mae Bank 5.25% 5.12% $2,500
USAA Federal Savings Bank 5.25% 5.13% $1,000
Synchrony Bank 5.25% 5.25% $0
Barclays Bank 5.25% 5.12% $0
CIBC Bank USA 5.26% 5.14% $1,000
Limelight Bank, a division of Capital Community Bank 5.35% 5.21% $1,000
Popular Direct 5.50% 5.36% $10,000
2 Year CDs
Truist 0.01% 0.01% $1,000
Bank of America 0.03% 0.03% $1,000
Applied Bank 0.05% 0.05% $1,000
First Horizon Bank 0.10% 0.10% $1,000
Burke & Herbert Bank & Trust Company 0.15% 0.15% $500
Axos Bank 0.20% 0.20% $1,000
Bank of Hope 0.30% 0.30% $1,000
CIT Bank, N.A 0.40% 0.40% $1,000
Washington Savings Bank 0.40% 0.39% $500
Lone Star Bank 0.41% 0.41% $1,000
Banesco USA 0.50% 0.50% $1,500
Fulton Bank, NA 0.95% 0.95% $1,000
TD Bank, NA 1.00% 1.00% $250
Wells Fargo 1.50% 1.49% $2,500
WebBank 1.50% 1.49% $2,500
Wells Fargo 1.50% 1.49% $2,500
Woodforest National Bank 1.55% 1.54% $500
Union Bank (Michigan) 1.56% 1.55% $500
Pendleton Community Bank, Inc. 1.70% 1.69% $500
Primis Bank 1.70% 1.68% $250
United Bank 1.80% 1.78% $500
Northpointe Bank 2.00% 1.98% $1,000
Live Oak Bank 2.00% 1.98% $2,500
Boeing Employees Credit Union 2.22% 2.20% $500
BrioDirect 2.30% 2.27% $500
Citibank 2.50% 2.47% $2,500
Armed Forces Bank, N.A. 2.52% 2.49% $500
Amerant Bank 2.75% 2.71% $10,000
Quorum Federal Credit Union 3.00% 2.96% $1,000
Presidential Bank, FSB 3.00% 2.96% $1,000
Bethpage Federal Credit Union 3.00% 2.96% $50
iGOBanking.com 3.20% 3.15% $1,000
Salem Five Direct 3.25% 3.20% $10,000
Citizens Access 3.30% 3.25% $5,000
Amalgamated Bank 3.30% 3.30% $500
State Bank of India California 3.44% 3.40% $1,000
GTE Financial Credit Union 3.51% 3.45% $500
Virginia Credit Union 3.70% 3.65% $500
Sandy Spring Bank 3.75% 3.68% $1,000
VirtualBank 3.77% 3.70% $10,000
Ally Bank 4.00% 3.92% $0
Old Dominion National Bank 4.00% 3.94% $500
Apple Federal Credit Union 4.36% 4.27% $500
Capital One, NA 4.40% 4.31% $0
Discover Bank 4.40% 4.31% $2,500
Northwest Federal Credit Union 4.40% 4.31% $1,000
Everbank, NA 4.40% 4.31% $1,000
Langley FCU 4.40% 4.31% $500
Synchrony Bank 4.40% 4.40% $0
Schools First FCU 4.45% 4.35% $500
Quontic Bank 4.50% 4.40% $500
LendingClub Bank 4.50% 4.41% $2,500
HSBC Direct 4.50% 4.40% $1,000
State Department Federal Credit Union 4.52% 4.42% $500
FinWise Bank 4.58% 4.50% $500
CIBC Bank USA 4.75% 4.64% $1,000
America First FCU 4.75% 4.65% $500
Vio Bank 4.75% 4.64% $500
American Express National Bank 4.75% 4.64% $0
First Internet Bank of Indiana 4.85% 4.75% $1,000
USAA Federal Savings Bank 5.00% 4.89% $1,000
TAB Bank 5.00% 4.88% $1,000
Rising Bank 5.00% 4.91% $100
BMO Alto 5.00% 4.88% $0
Barclays Bank 5.00% 4.88% $0
Merrick Bank 5.10% 4.97% $25,000
Sallie Mae Bank 5.25% 5.12% $2,500
Popular Direct 5.30% 5.17% $10,000
3 Year CDs
Truist 0.01% 0.01% $1,000
Bank of America 0.03% 0.03% $1,000
Applied Bank 0.05% 0.05% $1,000
First Horizon Bank 0.10% 0.10% $1,000
Axos Bank 0.20% 0.20% $1,000
Burke & Herbert Bank & Trust Company 0.20% 0.20% $500
Bank of Hope 0.30% 0.30% $1,000
CIT Bank, N.A 0.40% 0.40% $1,000
Lone Star Bank 0.51% 0.51% $1,000
Banesco USA 0.55% 0.55% $1,500
Washington Savings Bank 0.55% 0.54% $500
Bank5 Connect 0.85% 0.85% $500
TD Bank, NA 1.00% 1.00% $250
Fulton Bank, NA 1.01% 1.00% $1,000
American Express National Bank 1.15% 1.14% $0
Old Dominion National Bank 1.15% 1.15% $500
Woodforest National Bank 1.40% 1.39% $500
Wells Fargo 1.50% 1.49% $2,500
Wells Fargo 1.50% 1.49% $2,500
Primis Bank 1.80% 1.78% $250
Union Bank (Michigan) 1.81% 1.79% $500
Boeing Employees Credit Union 1.81% 1.80% $500
United Bank 1.85% 1.84% $500
Pendleton Community Bank, Inc. 1.90% 1.88% $500
Live Oak Bank 2.00% 1.98% $2,500
Salem Five Direct 2.00% 1.98% $10,000
Northpointe Bank 2.05% 2.03% $1,000
State Bank of India California 2.27% 2.25% $1,000
Armed Forces Bank, N.A. 2.27% 2.24% $500
BrioDirect 2.45% 2.44% $500
Citibank 2.50% 2.47% $2,500
WebBank 2.75% 2.71% $2,500
USAA Federal Savings Bank 2.75% 2.72% $1,000
Amerant Bank 2.75% 2.71% $10,000
Presidential Bank, FSB 2.85% 2.81% $1,000
Bethpage Federal Credit Union 3.00% 2.96% $50
Quorum Federal Credit Union 3.15% 3.11% $1,000
Amalgamated Bank 3.20% 3.20% $500
GTE Financial Credit Union 3.25% 3.20% $500
Citizens Access 3.35% 3.30% $5,000
Sandy Spring Bank 3.50% 3.44% $1,000
Vio Bank 3.50% 3.44% $500
VirtualBank 3.77% 3.70% $10,000
Rising Bank 3.85% 3.80% $1,000
Virginia Credit Union 3.85% 3.80% $500
Northwest Federal Credit Union 3.90% 3.83% $1,000
Sallie Mae Bank 4.00% 3.92% $2,500
FinWise Bank 4.06% 4.00% $500
Langley FCU 4.15% 4.02% $500
Ally Bank 4.25% 4.16% $0
TAB Bank 4.25% 4.16% $1,000
EverBank 4.25% 4.16% $0
State Department Federal Credit Union 4.27% 4.18% $500
LendingClub Bank 4.30% 4.22% $2,500
Discover Bank 4.30% 4.21% $2,500
Apple Federal Credit Union 4.30% 4.21% $500
Synchrony Bank 4.30% 4.30% $0
Capital One, NA 4.30% 4.22% $0
America First FCU 4.35% 4.27% $500
Quontic Bank 4.40% 4.31% $500
Schools First FCU 4.45% 4.35% $500
Limelight Bank, a division of Capital Community Bank 4.50% 4.40% $1,000
Everbank, NA 4.50% 4.40% $1,000
Barclays Bank 4.50% 4.40% $0
CFG Community Bank 4.55% 4.46% $500
BankPurely, a division of Flushing Bank 4.75% 4.64% $1,000
iGOBanking.com 4.75% 4.64% $1,000
First Internet Bank of Indiana 4.75% 4.65% $1,000
Merrick Bank 4.90% 4.78% $25,000
Popular Direct 5.00% 4.90% $10,000
BMO Alto 5.10% 4.97% $0
5 Year CDs
Truist 0.01% 0.01% $1,000
Bank of America 0.03% 0.03% $1,000
Applied Bank 0.05% 0.05% $1,000
First Horizon Bank 0.10% 0.10% $1,000
Axos Bank 0.20% 0.20% $1,000
Burke & Herbert Bank & Trust Company 0.20% 0.20% $500
WebBank 0.25% 0.25% $2,500
Bank of Hope 0.35% 0.35% $1,000
BrioDirect 0.45% 0.45% $500
CIT Bank, N.A 0.50% 0.50% $1,000
Lone Star Bank 0.71% 0.71% $1,000
Washington Savings Bank 0.75% 0.74% $500
TD Bank, NA 1.00% 1.00% $250
Fulton Bank, NA 1.01% 1.00% $1,000
Old Dominion National Bank 1.25% 1.25% $500
Woodforest National Bank 1.35% 1.34% $500
Wells Fargo 1.50% 1.49% $2,500
Wells Fargo 1.50% 1.49% $2,500
Primis Bank 1.80% 1.78% $250
United Bank 1.90% 1.88% $500
Live Oak Bank 2.00% 1.98% $2,500
Boeing Employees Credit Union 2.02% 2.00% $0
Northpointe Bank 2.15% 2.12% $1,000
Salem Five Direct 2.25% 2.23% $10,000
Pendleton Community Bank, Inc. 2.25% 2.23% $500
State Bank of India California 2.27% 2.25% $1,000
Armed Forces Bank, N.A. 2.27% 2.24% $500
Citibank 2.50% 2.47% $2,500
USAA Federal Savings Bank 2.50% 2.47% $1,000
Union Bank (Michigan) 2.62% 2.59% $500
Vio Bank 2.75% 2.71% $500
Amerant Bank 2.75% 2.71% $10,000
Presidential Bank, FSB 2.85% 2.81% $1,000
Bethpage Federal Credit Union 3.00% 2.96% $50
American Express National Bank 3.00% 2.96% $0
GTE Financial Credit Union 3.04% 3.00% $500
Amalgamated Bank 3.20% 3.20% $500
Citizens Access 3.45% 3.39% $5,000
Sandy Spring Bank 3.50% 3.44% $1,000
VirtualBank 3.51% 3.45% $10,000
Connexus Credit Union 3.91% 3.85% $5,000
Everbank, NA 3.95% 3.87% $1,000
Synchrony Bank 4.00% 4.00% $0
Northwest Federal Credit Union 4.00% 3.93% $1,000
TAB Bank 4.00% 3.92% $1,000
Apple Federal Credit Union 4.00% 3.92% $500
Discover Bank 4.00% 3.92% $2,500
Sallie Mae Bank 4.00% 3.92% $2,500
LendingClub Bank 4.00% 3.93% $2,500
Virginia Credit Union 4.05% 3.99% $500
FinWise Bank 4.06% 4.00% $500
Ally Bank 4.10% 4.02% $0
Capital One, NA 4.10% 4.02% $0
Langley FCU 4.15% 4.02% $500
America First FCU 4.20% 4.12% $500
CFG Community Bank 4.25% 4.17% $500
State Department Federal Credit Union 4.27% 4.18% $500
Quontic Bank 4.30% 4.21% $500
Quorum Federal Credit Union 4.50% 4.41% $1,000
Barclays Bank 4.50% 4.40% $0
First Internet Bank of Indiana 4.59% 4.50% $1,000
Schools First FCU 4.60% 4.50% $500
Merrick Bank 4.65% 4.55% $25,000
Popular Direct 4.70% 4.59% $10,000
BMO Alto 5.25% 5.12% $0

The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.

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