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Compare CDs
Narrow down top CDs by opening deposits, terms and APYs. To view up to four accounts side by side, tick the Compare box for a closer comparison.
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How we picked theseWhat is the Finder Score?
The Finder Score analyzes hundreds of CDs from more than 100 institutions. It takes into account the product's interest rate for available terms and opening deposit requirements - this gives you a simple score out of 10.
Different banks and credit unions offer CDs for various lengths of time, ranging from as short as seven days to as long as 20 years. For our ratings, we consider the term lengths that the FDIC uses in its monthly updates on national rates.
If a bank or credit union doesn’t offer a CD for a specific term used by the FDIC, we don’t penalize it: Instead, we simply don’t rate it. Each of the standard term lengths has its own APY rating based on the FDIC’s average rates.
CD rates by state
CD alternatives
Top CD guides
10 best CD rates today for May 2025
Finding the best CD rate is vital to ensuring that your savings balance grows to the maximum amount possible in the shortest time.
Money Market vs. CD: Which Is Better?
Money market accounts offer easy access to your money, while CDs lock your savings away for a set time and often have higher interest rates.
Locked Savings Accounts You Can’t Touch
If you struggle to save, you could benefit from a savings account or CD that won’t allow you to withdraw funds.
More resources on Finder
Read more on Certificates Of Deposit
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Are CDs Worth It?
CDs are generally safe, low-risk way to earn interest on your savings. See how they stack up in today’s current market.
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Callable CDs: What They Are and How They Work
A callable CD can be terminated before its maturity date, unlike regular CDs. However, callable CDs tend to have higher APYs as a tradeoff.
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7 Best CD rates in Texas in May 2025
The highest CD rates in Texas are from Ciera Bank, Quontic Bank, Susser Bank, Ally Bank and more. See the full list here.
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6 Best CD Rates in Florida in May 2025
Some of the highest CD rates in Florida are from Quontic Bank, Bethpage Federal Credit Union, First Internet Bank and more. See the full list here.
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7 Best CD Rates in Michigan in May 2025
Some of the highest CD rates in Michigan are from Flagstar Bank, Quontic Bank, First Internet Bank, Ally Bank and more. See our full list here.
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10 best CD rates today for May 2025
Finding the best CD rate is vital to ensuring that your savings balance grows to the maximum amount possible in the shortest time.
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Ponce Bank CD rates review
High rates on a variety of terms with low opening deposit requirements.
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Sallie Mae CD rates: Lower your opening deposit with Raisin
Raisin’s Sallie Mae CDs offer a big APY for a small opening deposit.
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History of CD interest rates: 2009 – Now
See what the average interest rate was in the US for 3-month, 60-month, 1-year, 3-year and 5-year CDs since 2009 and learn how the economy affects rates.
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Certificate of Deposit Calculator: See How Fast Your Money Grows
With the help of a CD calculator, you get a better idea of how your certificate of deposit will grow over time.