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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.
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Certificates of Deposit
Finding the best CD rate is vital to ensuring that your savings balance grows to the maximum amount possible in the shortest time.
Certificates of Deposit
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.
Savings Accounts
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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What Happens When a CD Matures? 3 Places to Put Your Money
At CD maturity, you can roll over your money into a new CD or cash it out and move your money to a checking, savings or investing account.
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Certificate of Deposit: What It Is and How It Works
Compare, choose and apply for a certificate of deposit on finder.com. Competitive interest rates from leading financial institutions in the US.
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Best No-Penalty CD Rates of 2026
Savings rates are dropping, but you can lock in a high-APY CD without penalties for early withdrawal. Sallie Mae and Marcus CDs top our list.
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Navy Federal CD Rates Review
Competitive interest rates and a 0.05% APY boost if you deposit at least $100,000.
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Bread Savings CDs Rates and Review (2026)
Earn a strong APY with a $1,500 minimum deposit on a Bread Savings CDs.
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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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EverBank CD Rates and Review
EverBank’s CD variety offers something for everyone at high rates.
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Sallie Mae CD Rates and Review: High APYs
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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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.