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Matthew Goldberg is a consumer banking reporter at Bankrate where he uses his more than 13 years of financial services experience to help inform readers about their important personal finance decisions.
Marc Wojno is a seasoned and accomplished finance editor and writer with more than two decades of experience editing and writing across a variety of news platforms including newswires, newsletters, magazines and online news sites.
Before joining Bankrate, Marc was Senior Editor at CNET Money and Senior Editor of Finance for ZDNet, both Red Ventures companies, where he wrote and edited news articles and features on a variety of topics including banking, blockchain, credit cards, cryptocurrency, fintech, home equity, investing and taxes.
Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.
Marc Wojno is a seasoned and accomplished finance editor and writer with more than two decades of experience editing and writing across a variety of news platforms including newswires, newsletters, magazines and online news sites.
Before joining Bankrate, Marc was Senior Editor at CNET Money and Senior Editor of Finance for ZDNet, both Red Ventures companies, where he wrote and edited news articles and features on a variety of topics including banking, blockchain, credit cards, cryptocurrency, fintech, home equity, investing and taxes.
Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.
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. Bankrate does not endorse or recommend any companies.
Certificates of deposit (CDs) can be an ideal account to allocate some of your savings, especially if you’re looking for a fixed APY. Bankrate’s list of top-yielding CD rates are much higher than today's national average yield of 1.74 percent for a one-year CD.
Bankrate provides you with timely news and rate information on top yielding CDs for some of the most popular, and largest, FDIC-insured banks and NCUA-insured credit unions. This way you don’t have to spend time searching many bank and credit union websites. Since 1976, Bankrate has been a trusted source of banking information to help you make well-informed decisions on your finances.
Before opening a certificate of deposit, be sure to read expert advice and tips below to ensure a financially safe decision. Here are Bankrate's top picks for banks with the best CD rates.
Popular Direct — 3 months - 5 years, 4.30% – 5.30% APY, $10,000 minimum deposit
Synchrony Bank — 3 months - 5 years, 0.25% – 5.25% APY, no minimum deposit
America First Credit Union — 3 months - 5 years, 4.20% – 5.25% APY, $500 minimum deposit
Vio Bank — 6 months - 5 years, 2.75% – 5.25% APY, $500 minimum deposit
Capital One — 6 months - 5 years, 3.90% – 5.10% APY, no minimum deposit
Quontic Bank — 6 months - 5 years, 4.30% – 5.05% APY, $500 minimum deposit
Barclays Bank — 6 months - 5 years, 3.50% – 5.00% APY, no minimum deposit
Marcus by Goldman Sachs — 6 months - 5 years, 4.00% – 5.00% APY, $500 minimum deposit
Citizens Access — 1 year - 5 years, 3.35% – 5.00% APY, $5,000 minimum deposit
Sallie Mae Bank — 6 months - 5 years, 4.00% – 4.95% APY, $2,500 minimum deposit
Note: Annual percentage yields (APYs) shown were updated between April 19 and April 25. All other information is current as of April 22. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.
The following accounts can be found at most banks and credit unions. They’re federally insured for up to $250,000 and offer a safe place to put your money while earning interest.
Certificate of Deposit (CD)
CDs are best for individuals looking for a guaranteed rate of return that’s typically higher than a savings account. In exchange for a higher rate, funds are tied up for a set period of time and early withdrawal penalties may apply.
Checking account
Checking accounts are best for individuals who want to keep their money safe while still having easy, day-to-day access to their funds. ATM and other transactional fees may apply.
Savings / Money Market Accounts (MMA)
Savings and MMAs are good options for individuals looking to save for shorter-term goals. They’re a safe way to separate your savings from everyday cash, but may require larger minimum balances and have transfer limitations.
Current 1 year CD trends
Bankrate Partner average
4.92% APY
National average
1.74% APY
The "Bankrate Partner average" is calculated from the average of the top savings
account offers from the institutions we track, included on this page as of 4/26/2024. "National average"
is determined by Bankrate's comprehensive national survey of savings accounts and CDs.
Note: Annual percentage yields (APYs) shown were updated between April 19 and April 25. All other information is current as of April 22. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.
Popular Direct
Rating: 4 stars out of 5
4.0
Overview
Popular Direct is an online bank and a subsidiary of Popular Inc., a more than 120-year-old financial services company. Popular Direct was previously known as Banco Popular North America.
Popular Direct offers CDs in eight terms ranging from three months to five years. With a $10,000 minimum deposit to open, these CDs are geared toward serious savers. Interest compounds daily. Popular Direct doesn’t offer specialty CDs, such as bump-up or no-penalty CDs. It does offer a savings account with a competitive rate.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Popular Direct
APY
APY
National average APY
How do we get this data?
Popular Direct CD rates
Date
Popular Direct
APY
APY
National average APY
04/23/2024
4.30%
1.42%
04/16/2024
4.30%
1.42%
04/09/2024
4.30%
1.42%
04/02/2024
4.30%
1.42%
03/26/2024
4.30%
1.43%
03/19/2024
4.35%
1.43%
03/12/2024
4.45%
1.43%
02/27/2024
4.45%
1.42%
02/20/2024
4.45%
1.42%
02/13/2024
4.45%
1.42%
02/06/2024
4.45%
1.42%
01/30/2024
4.45%
1.43%
01/23/2024
4.35%
1.43%
01/16/2024
4.40%
1.43%
01/09/2024
4.40%
1.43%
01/02/2024
4.50%
1.43%
12/26/2023
4.60%
1.43%
12/12/2023
4.65%
1.43%
12/05/2023
4.70%
1.43%
11/28/2023
4.70%
1.45%
11/21/2023
4.70%
1.45%
11/14/2023
4.70%
1.45%
11/07/2023
4.65%
1.45%
10/31/2023
4.65%
1.46%
10/24/2023
4.65%
1.46%
10/17/2023
4.65%
1.46%
10/10/2023
4.65%
1.46%
10/03/2023
4.65%
1.46%
09/26/2023
4.65%
1.43%
09/19/2023
4.65%
1.43%
09/12/2023
4.65%
1.43%
09/05/2023
4.60%
1.43%
08/29/2023
4.60%
1.38%
08/22/2023
4.60%
1.38%
08/15/2023
4.60%
1.38%
08/08/2023
4.60%
1.38%
08/01/2023
4.60%
1.38%
07/25/2023
4.60%
1.35%
07/18/2023
4.60%
1.35%
07/11/2023
4.55%
1.35%
07/04/2023
4.53%
1.35%
06/27/2023
4.53%
1.33%
06/20/2023
4.53%
1.33%
06/13/2023
4.53%
1.33%
06/06/2023
4.53%
1.33%
05/30/2023
4.50%
1.30%
05/23/2023
4.50%
1.30%
05/16/2023
4.50%
1.30%
05/09/2023
4.50%
1.30%
05/02/2023
4.50%
1.30%
Popular Direct consistently offers competitive rates across their CDs and savings accounts.
Popular Direct has a $10,000 minimum deposit to open. They also don't offer specialty CDs like bump-up or no-penalty CDs.
Synchrony Bank
Rating: 4.9 stars out of 5
4.9
Overview
Synchrony Bank offers many regular CDs ranging from three months to five years. It also added a no-penalty CD and a bump-up CD earlier this year. Synchrony Bank also offers IRA CDs.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Synchrony Bank
APY
APY
National average APY
How do we get this data?
Synchrony Bank CD rates
Date
Synchrony Bank
APY
APY
National average APY
04/25/2024
4.00%
1.42%
04/23/2024
4.00%
1.42%
04/16/2024
4.00%
1.42%
04/09/2024
4.00%
1.42%
04/02/2024
4.00%
1.42%
03/26/2024
4.00%
1.43%
03/25/2024
4.00%
1.43%
03/19/2024
4.00%
1.43%
03/12/2024
4.00%
1.43%
02/27/2024
4.00%
1.42%
02/20/2024
4.00%
1.42%
02/13/2024
4.00%
1.42%
02/06/2024
4.00%
1.42%
01/30/2024
4.00%
1.43%
01/23/2024
4.00%
1.43%
01/22/2024
4.00%
1.43%
01/16/2024
4.00%
1.43%
01/09/2024
4.00%
1.43%
01/02/2024
4.00%
1.43%
12/26/2023
4.00%
1.43%
12/19/2023
4.00%
1.43%
12/12/2023
4.00%
1.43%
12/05/2023
4.00%
1.43%
11/28/2023
4.00%
1.45%
11/27/2023
4.00%
1.45%
11/21/2023
4.00%
1.45%
11/14/2023
4.00%
1.45%
11/07/2023
4.00%
1.45%
10/31/2023
4.00%
1.46%
10/26/2023
4.00%
1.46%
10/24/2023
4.00%
1.46%
10/17/2023
4.00%
1.46%
10/16/2023
4.00%
1.46%
10/10/2023
4.00%
1.46%
10/03/2023
4.00%
1.46%
09/26/2023
4.00%
1.43%
09/19/2023
4.00%
1.43%
09/12/2023
4.00%
1.43%
09/05/2023
4.00%
1.43%
08/29/2023
4.00%
1.38%
08/22/2023
4.00%
1.38%
08/15/2023
4.00%
1.38%
08/08/2023
4.00%
1.38%
08/01/2023
4.00%
1.38%
07/25/2023
4.00%
1.35%
07/18/2023
4.00%
1.35%
07/11/2023
4.00%
1.35%
07/04/2023
4.00%
1.35%
06/29/2023
4.00%
1.33%
06/27/2023
4.00%
1.33%
06/20/2023
4.00%
1.33%
06/16/2023
4.00%
1.33%
06/13/2023
4.00%
1.33%
06/06/2023
4.00%
1.33%
05/02/2023
4.00%
1.30%
Synchrony Bank offers many terms of CDs. It offers a competitive yield, and it doesn’t require a minimum opening deposit.
Partial withdrawals on the no-penalty CD are not allowed.
America First Credit Union
Rating: 5 stars out of 5
5.0
Overview
America First Credit Union offers a wide range of CD terms between three and 60 months, and all earn rates that are highly competitive. Also offered are specialty CDs such as a bump-rate CD and a flexible CD. All CDs require a manageable minimum opening deposit.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
America First Credit Union
APY
APY
National average APY
How do we get this data?
America First Credit Union CD rates
Date
America First Credit Union
APY
APY
National average APY
04/23/2024
4.20%
1.42%
04/16/2024
4.20%
1.42%
04/09/2024
4.20%
1.42%
04/02/2024
4.20%
1.42%
03/26/2024
4.20%
1.43%
03/19/2024
4.20%
1.43%
03/12/2024
4.20%
1.43%
02/27/2024
4.20%
1.42%
02/20/2024
4.20%
1.42%
02/13/2024
4.20%
1.42%
02/06/2024
4.20%
1.42%
01/30/2024
4.20%
1.43%
01/23/2024
4.20%
1.43%
01/16/2024
4.20%
1.43%
01/09/2024
4.20%
1.43%
01/02/2024
4.20%
1.43%
12/26/2023
4.20%
1.43%
12/12/2023
4.20%
1.43%
12/05/2023
4.20%
1.43%
11/28/2023
4.20%
1.45%
11/21/2023
4.20%
1.45%
11/14/2023
4.20%
1.45%
11/07/2023
4.20%
1.45%
10/31/2023
4.10%
1.46%
10/24/2023
4.10%
1.46%
10/17/2023
4.00%
1.46%
10/10/2023
4.00%
1.46%
10/03/2023
4.00%
1.46%
09/26/2023
4.00%
1.43%
09/19/2023
4.00%
1.43%
09/12/2023
4.00%
1.43%
09/05/2023
4.00%
1.43%
08/29/2023
4.00%
1.38%
08/22/2023
4.00%
1.38%
08/15/2023
4.00%
1.38%
08/08/2023
4.00%
1.38%
08/01/2023
4.00%
1.38%
07/25/2023
4.00%
1.35%
07/18/2023
4.00%
1.35%
07/11/2023
4.00%
1.35%
07/04/2023
4.00%
1.35%
06/27/2023
4.00%
1.33%
06/20/2023
4.00%
1.33%
06/13/2023
4.00%
1.33%
06/06/2023
4.00%
1.33%
05/30/2023
4.00%
1.30%
05/23/2023
4.00%
1.30%
05/16/2023
4.00%
1.30%
05/09/2023
4.00%
1.30%
05/02/2023
4.00%
1.30%
CD rates from America First are highly competitive.
Specialty CDs are available, including a bump-up option.
Both the standard and specialty CDs require low minimum deposits.
The bump-rate CD cannot be opened online.
Vio Bank
Rating: 4.6 stars out of 5
4.6
Overview
Vio Bank offers traditional CDs with terms ranging from six months to 10 years, an extensive variety compared to some other banks. The minimum deposit for each account is relatively low at $500. CDs automatically renew once they mature following a ten day grace period. Yields are competitive for all CDs, but Vio’s highest APYs are for CDs with terms of three years or less.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Vio Bank
APY
APY
National average APY
How do we get this data?
Vio Bank CD rates
Date
Vio Bank
APY
APY
National average APY
04/23/2024
2.75%
1.42%
04/16/2024
2.75%
1.42%
04/09/2024
2.75%
1.42%
04/02/2024
2.75%
1.42%
03/26/2024
2.75%
1.43%
03/19/2024
2.75%
1.43%
03/12/2024
2.75%
1.43%
02/27/2024
2.75%
1.42%
02/20/2024
2.75%
1.42%
02/13/2024
2.75%
1.42%
02/06/2024
2.75%
1.42%
01/30/2024
2.75%
1.43%
01/23/2024
2.75%
1.43%
01/16/2024
2.75%
1.43%
01/09/2024
2.75%
1.43%
01/02/2024
2.75%
1.43%
12/26/2023
2.75%
1.43%
12/12/2023
2.75%
1.43%
12/05/2023
2.75%
1.43%
11/28/2023
2.75%
1.45%
11/21/2023
2.75%
1.45%
11/14/2023
2.75%
1.45%
11/07/2023
2.75%
1.45%
10/31/2023
2.75%
1.46%
10/24/2023
2.75%
1.46%
10/17/2023
2.75%
1.46%
10/10/2023
2.75%
1.46%
10/03/2023
2.75%
1.46%
09/26/2023
2.75%
1.43%
09/19/2023
2.75%
1.43%
09/12/2023
2.75%
1.43%
09/05/2023
2.75%
1.43%
08/29/2023
2.75%
1.38%
08/22/2023
2.75%
1.38%
08/15/2023
2.75%
1.38%
08/08/2023
2.75%
1.38%
08/01/2023
2.75%
1.38%
07/25/2023
2.75%
1.35%
07/18/2023
2.75%
1.35%
07/11/2023
2.75%
1.35%
07/04/2023
2.75%
1.35%
06/27/2023
2.75%
1.33%
06/20/2023
2.75%
1.33%
06/13/2023
2.75%
1.33%
06/06/2023
2.75%
1.33%
There is a wide variety of terms available.
Some banks have much higher minimum deposit requirements.
CD rates are highly competitive.
Early withdrawals come with a high penalty.
There are no special types of CDs or promotions available.
Some online banks offer higher CD rates.
Capital One
Rating: 4.9 stars out of 5
4.9
Overview
Capital One offers CDs with terms as short as six months or as long as five years. These CDs have no minimum opening deposit. The bank offers competitive yields, and it doesn’t have a minimum balance requirement.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Capital One
APY
APY
National average APY
How do we get this data?
Capital One CD rates
Date
Capital One
APY
APY
National average APY
04/23/2024
3.90%
1.42%
04/16/2024
3.90%
1.42%
04/11/2024
4.00%
1.42%
04/09/2024
4.00%
1.42%
04/02/2024
4.00%
1.42%
03/26/2024
4.00%
1.43%
03/19/2024
4.00%
1.43%
03/12/2024
4.00%
1.43%
02/27/2024
4.00%
1.42%
02/20/2024
4.00%
1.42%
02/13/2024
4.00%
1.42%
02/06/2024
4.00%
1.42%
01/30/2024
4.00%
1.43%
01/23/2024
4.00%
1.43%
01/17/2024
4.10%
1.43%
01/16/2024
4.10%
1.43%
01/09/2024
4.10%
1.43%
01/02/2024
4.10%
1.43%
12/26/2023
4.10%
1.43%
12/12/2023
4.10%
1.43%
12/05/2023
4.10%
1.43%
11/28/2023
4.10%
1.45%
11/21/2023
4.10%
1.45%
11/14/2023
4.10%
1.45%
11/07/2023
4.10%
1.45%
10/31/2023
4.10%
1.46%
10/24/2023
4.10%
1.46%
10/17/2023
4.10%
1.46%
10/10/2023
4.10%
1.46%
10/03/2023
4.10%
1.46%
09/26/2023
4.10%
1.43%
09/19/2023
4.10%
1.43%
09/12/2023
4.10%
1.43%
09/05/2023
4.10%
1.43%
08/29/2023
4.10%
1.38%
08/22/2023
4.10%
1.38%
08/15/2023
4.10%
1.38%
08/08/2023
4.10%
1.38%
08/01/2023
4.10%
1.38%
07/25/2023
4.10%
1.35%
07/18/2023
4.10%
1.35%
07/11/2023
4.10%
1.35%
07/04/2023
4.10%
1.35%
06/27/2023
4.10%
1.33%
06/20/2023
4.10%
1.33%
06/13/2023
4.10%
1.33%
06/06/2023
4.10%
1.33%
With no minimum opening deposit, Capital One’s CDs are a good choice for pretty much anyone looking for a fixed yield. Capital One also offers nearly any term of CD you’d need for a CD ladder or other long-term saving strategy.
Capital One doesn’t offer a no-penalty CD or a rate bump CD.
Quontic Bank
Rating: 3.8 stars out of 5
3.8
Overview
Quontic Bank offers five terms of CDs, ranging from six months to five years, that require $500 to open. The rates for all five terms are very competitive.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Quontic Bank
APY
APY
National average APY
How do we get this data?
Quontic Bank CD rates
Date
Quontic Bank
APY
APY
National average APY
04/23/2024
4.30%
1.42%
04/16/2024
4.30%
1.42%
04/09/2024
4.30%
1.42%
04/02/2024
4.30%
1.42%
03/26/2024
4.30%
1.43%
03/19/2024
4.30%
1.43%
03/12/2024
4.30%
1.43%
02/27/2024
4.30%
1.42%
02/20/2024
4.30%
1.42%
02/13/2024
4.30%
1.42%
02/06/2024
4.30%
1.42%
01/30/2024
4.30%
1.43%
01/23/2024
4.30%
1.43%
01/16/2024
4.30%
1.43%
01/09/2024
4.30%
1.43%
01/02/2024
4.30%
1.43%
12/26/2023
4.30%
1.43%
12/12/2023
4.30%
1.43%
12/05/2023
4.30%
1.43%
11/28/2023
4.30%
1.45%
11/21/2023
4.30%
1.45%
11/14/2023
4.30%
1.45%
11/07/2023
4.30%
1.45%
10/31/2023
4.30%
1.46%
10/24/2023
4.30%
1.46%
10/17/2023
4.30%
1.46%
10/10/2023
4.30%
1.46%
10/03/2023
4.30%
1.46%
09/26/2023
4.30%
1.43%
09/19/2023
4.30%
1.43%
09/12/2023
4.30%
1.43%
09/05/2023
4.30%
1.43%
08/29/2023
4.30%
1.38%
08/22/2023
4.30%
1.38%
08/15/2023
4.30%
1.38%
08/08/2023
4.30%
1.38%
08/01/2023
4.30%
1.38%
07/25/2023
4.30%
1.35%
07/18/2023
4.30%
1.35%
07/11/2023
4.30%
1.35%
07/04/2023
4.30%
1.35%
06/27/2023
4.30%
1.33%
06/20/2023
4.30%
1.33%
06/13/2023
4.30%
1.33%
06/06/2023
4.30%
1.33%
05/30/2023
4.30%
1.30%
05/23/2023
4.30%
1.30%
05/16/2023
4.30%
1.30%
05/09/2023
4.30%
1.30%
05/02/2023
4.30%
1.30%
Quontic pays competitive rates on the five CD terms it offers.
Only $500 is needed to open a CD.
Some banks have lower minimum deposit requirements.
Quontic Bank’s early withdrawal penalties are higher than those of some other banks.
Barclays Bank
Rating: 4.8 stars out of 5
4.8
Overview
Barclays is an online bank popular for its credit cards, but it also offers CDs and an online savings account. Barclays offers nine terms of CDs ranging from three months to five years.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Barclays Bank
APY
APY
National average APY
How do we get this data?
Barclays Bank CD rates
Date
Barclays Bank
APY
APY
National average APY
04/23/2024
3.75%
1.42%
04/16/2024
3.75%
1.42%
04/12/2024
3.75%
1.42%
04/09/2024
3.75%
1.42%
04/02/2024
3.75%
1.42%
03/26/2024
3.75%
1.43%
03/19/2024
3.75%
1.43%
03/12/2024
3.75%
1.43%
02/27/2024
3.75%
1.42%
02/20/2024
3.75%
1.42%
02/13/2024
3.75%
1.42%
02/06/2024
4.15%
1.42%
01/30/2024
4.15%
1.43%
01/23/2024
4.15%
1.43%
01/16/2024
4.15%
1.43%
01/09/2024
4.15%
1.43%
01/02/2024
4.15%
1.43%
12/26/2023
4.15%
1.43%
12/22/2023
4.15%
1.43%
12/12/2023
4.50%
1.43%
12/05/2023
4.50%
1.43%
11/28/2023
4.50%
1.45%
11/21/2023
4.50%
1.45%
11/14/2023
4.50%
1.45%
11/07/2023
4.50%
1.45%
10/31/2023
4.50%
1.46%
10/24/2023
4.50%
1.46%
10/17/2023
4.50%
1.46%
10/10/2023
4.50%
1.46%
10/03/2023
4.50%
1.46%
09/26/2023
4.50%
1.43%
09/19/2023
4.50%
1.43%
09/12/2023
4.50%
1.43%
09/05/2023
4.50%
1.43%
08/29/2023
4.50%
1.38%
08/22/2023
4.50%
1.38%
08/15/2023
4.50%
1.38%
08/08/2023
4.50%
1.38%
08/01/2023
4.50%
1.38%
07/25/2023
4.50%
1.35%
07/18/2023
4.50%
1.35%
07/17/2023
4.50%
1.35%
07/11/2023
4.50%
1.35%
07/10/2023
4.50%
1.35%
07/04/2023
4.35%
1.35%
07/01/2023
4.35%
1.35%
06/27/2023
4.35%
1.33%
06/20/2023
4.35%
1.33%
06/16/2023
4.35%
1.33%
06/13/2023
4.20%
1.33%
06/06/2023
4.20%
1.33%
06/01/2023
4.20%
1.33%
05/30/2023
4.50%
1.30%
05/23/2023
4.50%
1.30%
05/16/2023
4.50%
1.30%
05/09/2023
4.50%
1.30%
05/02/2023
4.50%
1.30%
Barclays offers competitive yields on most of its CD terms. Also, the bank doesn’t require a minimum opening deposit.
Barclays, like many other online-based banks, isn't a full-service banking institution. It doesn't have a checking account, ATM network, mobile app or branch locations.
The bank’s yields on CDs with a term of less than a year weren’t competitive at the time of Bankrate’s review.
Marcus by Goldman Sachs
Rating: 4.9 stars out of 5
4.9
Overview
Marcus by Goldman Sachs offers a competitive yield on its CDs. It offers a variety of CD terms and CD types. Its regular CD terms range from a six-month CD to a six-year CD.
In addition to its nine terms of regular CDs, it also offers three no-penalty CDs and a rate-bump CD.
All of these CDs have a $500 minimum deposit requirement.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Marcus by Goldman Sachs
APY
APY
National average APY
How do we get this data?
Marcus by Goldman Sachs CD rates
Date
Marcus by Goldman Sachs
APY
APY
National average APY
03/21/2024
3.90%
--
03/08/2024
4.00%
--
02/21/2024
4.00%
--
01/24/2024
4.00%
--
10/17/2023
4.00%
--
Ever since rates have been increasing, Marcus by Goldman Sachs has been one of the banks consistently increasing its yields to be competitive.
Some banks don’t require a minimum deposit. So if you don’t have at least $500 available to deposit into a CD, you’ll have to look elsewhere.
Citizens Access
Rating: 4.2 stars out of 5
4.2
Overview
Citizens Access offers five terms of CDs that all require at least a $5,000 deposit. Citizens’ CD terms range from one-year to five-years.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Citizens Access
APY
APY
National average APY
How do we get this data?
Citizens Access CD rates
Date
Citizens Access
APY
APY
National average APY
04/23/2024
3.45%
1.42%
04/16/2024
3.45%
1.42%
04/09/2024
3.45%
1.42%
04/02/2024
3.45%
1.42%
03/26/2024
3.45%
1.43%
03/19/2024
3.45%
1.43%
03/12/2024
3.45%
1.43%
02/27/2024
3.45%
1.42%
02/20/2024
3.45%
1.42%
02/13/2024
3.45%
1.42%
02/06/2024
3.45%
1.42%
01/30/2024
3.45%
1.43%
01/23/2024
3.45%
1.43%
01/16/2024
3.45%
1.43%
01/09/2024
3.45%
1.43%
01/02/2024
3.45%
1.43%
12/26/2023
3.45%
1.43%
12/12/2023
3.45%
1.43%
12/05/2023
3.45%
1.43%
11/28/2023
3.45%
1.45%
11/21/2023
3.45%
1.45%
11/14/2023
3.45%
1.45%
11/07/2023
3.45%
1.45%
10/31/2023
3.45%
1.46%
10/24/2023
3.45%
1.46%
10/17/2023
3.45%
1.46%
10/10/2023
3.45%
1.46%
10/03/2023
3.45%
1.46%
09/26/2023
3.45%
1.43%
09/19/2023
3.45%
1.43%
09/12/2023
3.45%
1.43%
09/05/2023
3.45%
1.43%
08/29/2023
3.45%
1.38%
08/22/2023
3.45%
1.38%
08/15/2023
3.45%
1.38%
08/08/2023
3.45%
1.38%
08/01/2023
3.45%
1.38%
07/25/2023
3.45%
1.35%
07/18/2023
3.45%
1.35%
07/11/2023
3.45%
1.35%
07/10/2023
3.45%
1.35%
07/04/2023
3.45%
1.35%
06/27/2023
3.45%
1.33%
06/20/2023
3.45%
1.33%
06/13/2023
3.45%
1.33%
06/06/2023
3.45%
1.33%
05/30/2023
3.45%
1.30%
05/23/2023
3.45%
1.30%
05/16/2023
3.45%
1.30%
05/09/2023
3.45%
1.30%
05/02/2023
3.45%
1.30%
Citizens offers competitive yields on its five terms of CDs. The CDs are for people with at least $5,000 to deposit into a CD for its term.
Citizens Access requires at least $5,000 to open a CD. The bank also no longer offers a no-penalty CD.
Sallie Mae Bank
Rating: 4.4 stars out of 5
4.4
Overview
Sallie Mae Bank offers 11 terms of CDs, a savings account, money market account, credit cards and private student loans. It offers a competitive yield on its deposit products.
Established in 2005, Sallie Mae Bank is headquartered in Salt Lake City. In 2014, Sallie Mae became a stand-alone consumer banking business.
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Sallie Mae Bank
APY
APY
National average APY
How do we get this data?
Sallie Mae Bank CD rates
Date
Sallie Mae Bank
APY
APY
National average APY
04/23/2024
4.00%
1.42%
04/16/2024
4.00%
1.42%
04/09/2024
4.00%
1.42%
04/02/2024
4.00%
1.42%
03/26/2024
4.00%
1.43%
03/19/2024
4.00%
1.43%
03/12/2024
4.00%
1.43%
02/27/2024
4.00%
1.42%
02/20/2024
4.00%
1.42%
02/13/2024
4.00%
1.42%
02/06/2024
4.00%
1.42%
01/30/2024
4.00%
1.43%
01/23/2024
4.00%
1.43%
01/16/2024
4.00%
1.43%
01/09/2024
4.00%
1.43%
01/02/2024
4.00%
1.43%
12/26/2023
4.00%
1.43%
12/12/2023
4.00%
1.43%
12/05/2023
4.00%
1.43%
11/28/2023
4.00%
1.45%
11/21/2023
4.00%
1.45%
11/14/2023
4.00%
1.45%
11/07/2023
4.00%
1.45%
10/31/2023
4.00%
1.46%
10/24/2023
4.00%
1.46%
10/17/2023
4.00%
1.46%
10/10/2023
4.00%
1.46%
10/03/2023
4.00%
1.46%
09/26/2023
4.00%
1.43%
09/19/2023
4.00%
1.43%
09/12/2023
4.00%
1.43%
09/05/2023
4.00%
1.43%
08/29/2023
4.00%
1.38%
08/22/2023
4.00%
1.38%
08/15/2023
4.00%
1.38%
08/08/2023
4.00%
1.38%
08/01/2023
4.00%
1.38%
07/25/2023
4.00%
1.35%
07/18/2023
4.00%
1.35%
07/11/2023
4.00%
1.35%
07/04/2023
4.00%
1.35%
06/27/2023
4.00%
1.33%
06/20/2023
4.00%
1.33%
06/13/2023
4.00%
1.33%
06/06/2023
4.00%
1.33%
05/30/2023
4.00%
1.30%
05/23/2023
4.00%
1.30%
05/16/2023
4.00%
1.30%
05/09/2023
4.00%
1.30%
05/02/2023
4.00%
1.30%
Sallie Mae offers a variety of terms. The bank’s yields are competitive and much higher than average.