Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Which CD account is best for me?

Lock rates that are higher than the national average, even if federal rates drop

You asked, we delivered: Your results are in! 🚀

Discover the options we’ve selected for you based on your answers. Narrow down top CDs by opening deposits, APYs and popular terms. For an even closer comparison, tick the Compare box on up to four options to see features side by side.

1 - 3 of 16
Product USFSA-CDS Finder Score 6-month APY 1-year APY 5-year APY Minimum deposit to open Bonus offer
Western Alliance Bank 12 months CDs through Raisin
Raisin logo
Finder score
N/A
3.95%
N/A
$1
Raisin logo
Finder score
N/A
N/A
N/A
$1
Alliant Credit Union CDs
Alliant Credit Union logo
Finder score
4.10%
4.25%
3.65%
$1,000
loading

What 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.

Read the full Finder Score breakdown

  • Commitment to our readers

    18 years

    Helping you save money

    Reviewed

    by experts

    Cited by

    major publications

    Finder maintains full editorial independence to ensure for our readers a fair assessment of the products, brands, and services we write about. That independence helps us maintain our reader's trust, which is what keeps you coming back to our site. We uphold a rigorous editorial process that ensures what we write and publish is fair, accurate, and trustworthy — and not influenced by how we make money.

    We're committed to empowering our readers to make sound and often unfamiliar financial decisions.

Not sure yet?

Check out some of the top CDs on the market for more options or try the quiz again to find your match.

Ask a question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site