Certificate of Deposit Rates 2022

FDIC Insured up to $250,000  •  National rate is 0.20%  •  November 28th, 2022

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
Farmers Bank 0.05% 0.05% $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
Woodforest National Bank 0.15% 0.15% $500
PurePoint Financial 0.25% 0.25% $10,000
Washington Savings Bank 0.25% 0.25% $500
Pendleton Community Bank, Inc. 0.30% 0.30% $500
Wells Fargo 0.30% 0.30% $2,500
Wells Fargo 0.30% 0.30% $2,500
Fulton Bank, NA 0.30% 0.30% $1,000
BrioDirect 0.45% 0.45% $500
Old Dominion National Bank 0.75% 0.75% $500
TD Bank, NA 0.75% 0.75% $250
Sandy Spring Bank 1.00% 1.00% $1,000
Union Bank (Michigan) 1.00% 1.00% $500
United Bank 1.00% 1.00% $500
Amalgamated Bank 1.05% 1.05% $500
Northpointe Bank 1.25% 1.24% $1,000
Lone Star Bank 1.26% 1.25% $1,000
Quorum 1.30% 1.29% $1,000
LendingClub 2.01% 2.01% $2,500
Armed Forces Bank, N.A. 2.02% 2.00% $500
Virginia Credit Union 2.30% 2.28% $500
Langley FCU 2.50% 2.47% $1,000
Salem Five Direct 2.50% 2.47% $10,000
My Banking Direct, a service of NY Community Bank 2.50% 2.47% $500
Apple Federal Credit Union 2.50% 2.47% $500
NBKC Bank 2.53% 2.50% $1,000
Northwest Federal Credit Union 3.00% 2.96% $1,000
Citizens Access 3.25% 3.20% $5,000
State Bank of India California 3.29% 3.25% $1,000
Presidential Bank, FSB 3.50% 3.45% $1,000
Vio Bank 3.50% 3.44% $500
State Department Federal Credit Union 3.80% 3.73% $500
CIBC Bank USA 3.85% 3.78% $1,000
VirtualBank 3.87% 3.80% $10,000
CIBC Bank USA 3.90% 3.83% $25,000
Discover Bank 4.00% 3.92% $2,500
TIAA Bank 4.00% 3.92% $1,000
Ally Bank 4.00% 3.92% $0
Capital One 4.00% 4.00% $0
Colorado Federal Savings Bank 4.00% 3.92% $5,000
Citibank 4.00% 3.92% $2,500
Amerant Bank, National Association 4.00% 4.00% $10,000
Synchrony Bank 4.15% 4.15% $0
Live Oak Bank 4.25% 4.16% $2,500
Sallie Mae 4.25% 4.16% $2,500
Pentagon Federal Credit Union 4.25% 4.17% $1,000
Banesco USA 4.40% 4.40% $1,500
First National Bank of America 4.40% 4.33% $1,000
CFG Community Bank 4.50% 4.41% $500
BMO Harris Bank 4.50% 4.40% $1,000
Connexus Credit Union 4.51% 4.51% $5,000
Merrick Bank 4.65% 4.55% $25,000
1.25 Year CDs
Pentagon Federal Credit Union 4.25% 4.17% $1,000
Sallie Mae 4.30% 4.21% $2,500
Synchrony Bank 4.40% 4.40% $0
Connexus Credit Union 4.85% 4.85% $5,000
1.5 Year CDs
TD Bank, NA 0.05% 0.05% $250
Burke & Herbert Bank & Trust Company 0.10% 0.10% $500
Farmers Bank 0.15% 0.15% $1,000
Fulton Bank, NA 0.40% 0.40% $1,000
Union Bank (Michigan) 1.15% 1.14% $500
Old Dominion National Bank 1.15% 1.15% $500
Northpointe Bank 1.50% 1.48% $1,000
Sandy Spring Bank 1.50% 1.49% $1,000
Live Oak Bank 2.00% 1.98% $2,500
Armed Forces Bank, N.A. 2.02% 2.00% $500
BMO Harris Bank 2.20% 2.20% $1,000
Langley FCU 2.60% 2.57% $1,000
Salem Five Direct 3.00% 2.96% $10,000
Vio Bank 3.60% 3.54% $500
CIBC Bank USA 3.90% 3.83% $1,000
CIBC Bank USA 3.95% 3.88% $25,000
Colorado Federal Savings Bank 4.05% 3.97% $5,000
Capital One 4.05% 4.05% $0
Ally Bank 4.10% 4.02% $0
CIT Bank 4.25% 4.16% $1,000
Sallie Mae 4.35% 4.26% $2,500
Pentagon Federal Credit Union 4.35% 4.26% $1,000
Banesco USA 4.40% 4.40% $1,500
Merrick Bank 4.75% 4.64% $25,000
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
Woodforest National Bank 0.20% 0.20% $500
Farmers Bank 0.25% 0.25% $1,000
CIT Bank 0.40% 0.40% $1,000
Washington Savings Bank 0.40% 0.39% $500
Pendleton Community Bank, Inc. 0.40% 0.40% $500
Fulton Bank, NA 0.40% 0.40% $1,000
Wells Fargo 0.40% 0.40% $2,500
Wells Fargo 0.40% 0.40% $2,500
Lone Star Bank 0.41% 0.41% $1,000
TD Bank, NA 1.00% 1.00% $250
Amalgamated Bank 1.05% 1.05% $500
Old Dominion National Bank 1.15% 1.15% $500
My Banking Direct, a service of NY Community Bank 1.25% 1.24% $500
United Bank 1.25% 1.24% $500
Union Bank (Michigan) 1.30% 1.29% $500
Sandy Spring Bank 1.75% 1.74% $1,000
Live Oak Bank 2.00% 1.98% $2,500
Citibank 2.00% 1.98% $2,500
Northpointe Bank 2.00% 1.98% $1,000
BrioDirect 2.30% 2.30% $500
LendingClub 2.50% 2.50% $2,500
Virginia Credit Union 2.55% 2.53% $500
Apple Federal Credit Union 2.60% 2.57% $500
Langley FCU 2.70% 2.66% $1,000
NBKC Bank 2.78% 2.75% $250
Presidential Bank, FSB 2.80% 2.76% $1,000
Salem Five Direct 3.25% 3.20% $10,000
Northwest Federal Credit Union 3.25% 3.20% $1,000
Ally Bank 3.25% 3.20% $0
Citizens Access 3.30% 3.25% $5,000
State Bank of India California 3.44% 3.40% $1,000
Vio Bank 3.50% 3.44% $500
Quorum 3.60% 3.54% $1,000
VirtualBank 3.77% 3.70% $10,000
State Department Federal Credit Union 3.80% 3.73% $500
CIBC Bank USA 3.90% 3.83% $1,000
CIBC Bank USA 3.95% 3.88% $25,000
Connexus Credit Union 4.01% 4.01% $5,000
Colorado Federal Savings Bank 4.10% 4.02% $5,000
Capital One 4.10% 4.10% $0
Synchrony Bank 4.30% 4.30% $0
Pentagon Federal Credit Union 4.35% 4.26% $1,000
First National Bank of America 4.40% 4.33% $1,000
Sallie Mae 4.40% 4.31% $2,500
Armed Forces Bank, N.A. 4.58% 4.48% $500
Merrick Bank 4.65% 4.55% $25,000
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
TD Bank, NA 0.05% 0.05% $250
First Horizon Bank 0.10% 0.10% $1,000
Burke & Herbert Bank & Trust Company 0.20% 0.20% $500
Woodforest National Bank 0.25% 0.25% $500
CIT Bank 0.40% 0.40% $1,000
Pendleton Community Bank, Inc. 0.50% 0.50% $500
Fulton Bank, NA 0.50% 0.50% $1,000
Wells Fargo 0.50% 0.50% $2,500
Wells Fargo 0.50% 0.50% $2,500
Lone Star Bank 0.51% 0.51% $1,000
Washington Savings Bank 0.55% 0.54% $500
Farmers Bank 0.60% 0.60% $1,000
Amalgamated Bank 1.05% 1.05% $500
Old Dominion National Bank 1.15% 1.15% $500
Union Bank (Michigan) 1.55% 1.54% $500
Armed Forces Bank, N.A. 1.76% 1.74% $500
United Bank 1.95% 1.94% $500
Citibank 2.00% 1.98% $2,500
Live Oak Bank 2.00% 1.98% $2,500
Northpointe Bank 2.05% 2.03% $1,000
Sandy Spring Bank 2.25% 2.23% $1,000
State Bank of India California 2.27% 2.25% $1,000
Langley FCU 2.36% 2.33% $1,000
BrioDirect 2.45% 2.44% $500
LendingClub 2.75% 2.75% $2,500
Apple Federal Credit Union 2.75% 2.71% $500
Presidential Bank, FSB 2.85% 2.81% $1,000
Virginia Credit Union 2.95% 2.92% $500
NBKC Bank 3.04% 3.00% $250
Citizens Access 3.35% 3.30% $5,000
Northwest Federal Credit Union 3.50% 3.45% $1,000
Connexus Credit Union 3.71% 3.71% $5,000
BMO Harris Bank 3.75% 3.68% $1,000
VirtualBank 3.77% 3.70% $10,000
State Department Federal Credit Union 3.80% 3.73% $500
Pentagon Federal Credit Union 4.05% 3.97% $1,000
Colorado Federal Savings Bank 4.10% 4.02% $5,000
Ally Bank 4.10% 4.02% $0
Capital One 4.15% 4.15% $0
Synchrony Bank 4.30% 4.30% $0
First National Bank of America 4.40% 4.33% $1,000
Sallie Mae 4.50% 4.40% $2,500
Merrick Bank 4.55% 4.45% $25,000
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
TD Bank, NA 0.05% 0.05% $250
First Horizon Bank 0.10% 0.10% $1,000
Burke & Herbert Bank & Trust Company 0.20% 0.20% $500
Woodforest National Bank 0.30% 0.30% $500
Northwest Federal Credit Union 0.39% 0.39% $1,000
BrioDirect 0.45% 0.45% $500
CIT Bank 0.50% 0.50% $1,000
Fulton Bank, NA 0.50% 0.50% $1,000
Wells Fargo 0.70% 0.70% $2,500
Wells Fargo 0.70% 0.70% $2,500
Lone Star Bank 0.71% 0.71% $1,000
Washington Savings Bank 0.75% 0.74% $500
Farmers Bank 0.80% 0.80% $1,000
Pendleton Community Bank, Inc. 1.09% 1.09% $500
Amalgamated Bank 1.15% 1.15% $500
Old Dominion National Bank 1.25% 1.25% $500
Armed Forces Bank, N.A. 1.76% 1.74% $500
Live Oak Bank 2.00% 1.98% $2,500
Citibank 2.00% 1.98% $2,500
Northpointe Bank 2.15% 2.12% $1,000
Salem Five Direct 2.25% 2.23% $10,000
State Bank of India California 2.27% 2.25% $1,000
United Bank 2.31% 2.25% $500
Union Bank (Michigan) 2.35% 2.32% $500
Amerant Bank, National Association 2.60% 2.60% $10,000
Sandy Spring Bank 2.75% 2.71% $1,000
Presidential Bank, FSB 2.85% 2.81% $1,000
Apple Federal Credit Union 3.00% 2.96% $500
NBKC Bank 3.04% 3.00% $250
Virginia Credit Union 3.15% 3.11% $500
Citizens Access 3.45% 3.39% $5,000
Connexus Credit Union 3.51% 3.51% $5,000
VirtualBank 3.51% 3.45% $10,000
Langley FCU 3.75% 3.68% $1,000
Pentagon Federal Credit Union 3.90% 3.83% $1,000
State Department Federal Credit Union 4.06% 3.98% $500
Colorado Federal Savings Bank 4.10% 4.02% $5,000
Ally Bank 4.10% 4.02% $0
Capital One 4.25% 4.25% $0
Synchrony Bank 4.30% 4.30% $0
First National Bank of America 4.35% 4.28% $1,000
BMO Harris Bank 4.50% 4.40% $1,000
Sallie Mae 4.55% 4.45% $2,500
Merrick Bank 4.60% 4.50% $25,000
CFG Community Bank 4.60% 4.51% $500

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