A
APY
4.50%12-mo term
Min. deposit
None
Early withdrawal
150 daysof interest
Rates as high as 4.50% APY
Find the best CD rates across America
Compare certificate of deposit rates from the nation's top FDIC-insured banks. Lock in high yields with the security of federal insurance.
FDIC Insured
High APY
Flexible Terms
Top CD rates right now
APYs verified
B
APY
4.40%12-mo term
Min. deposit
None
Early withdrawal
90 daysof interest
C
APY
4.30%12-mo term
Min. deposit
None
Early withdrawal
6 monthsof interest
D
APY
4.25%12-mo term
Min. deposit
$2,500
Early withdrawal
6 monthsof interest
*APYs are verified as of the date shown and are subject to change at any time. All listed banks are FDIC-insured. Verify current terms directly with the issuing bank before opening an account.
Why invest in CDs?
Certificates of deposit are one of the safest and most predictable investment vehicles available.
FDIC Insured
Your deposits are protected up to $250,000 per depositor, per bank by the Federal Deposit Insurance Corporation.
Guaranteed Returns
Lock in your rate at the time of deposit. Unlike stocks, your CD rate won't fluctuate with market conditions.
Principal Protection
Your initial deposit is never at risk. CDs offer one of the safest ways to grow your savings.
Higher Than Savings
CDs typically offer significantly higher APYs than traditional savings or checking accounts.
Flexible Terms
Choose terms from 3 months to 5 years to match your financial goals and liquidity needs.
Predictable Growth
Know exactly how much you'll earn before you invest. Perfect for conservative financial planning.
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Frequently asked questions
Everything you need to know about certificates of deposit.
What is a Certificate of Deposit (CD)?
A CD is a savings product that holds a fixed amount of money for a fixed term — from a few months to several years — in exchange for a guaranteed interest rate that's usually higher than a standard savings account.
Are CDs safe investments?
CDs from FDIC-insured banks are among the safest places to keep money. Deposits are insured up to $250,000 per depositor, per bank, per ownership category, and your principal is never exposed to market risk.
What happens if I withdraw early?
Withdrawing before the term ends usually triggers an early-withdrawal penalty — often several months of interest. The exact penalty varies by bank and term, so check the terms before committing. No-penalty CDs avoid this but typically pay a lower rate.
How are CD interest rates determined?
CD rates broadly track the Federal Reserve's benchmark rate, plus each bank's own funding needs and competition. When the Fed raises rates, CD APYs tend to rise; when it cuts, they tend to fall — which is why locking a rate can be valuable.
What is a CD ladder?
A CD ladder splits your money across CDs with staggered maturity dates — for example, 1, 2, 3, 4, and 5-year terms. As each matures, you reinvest, balancing access to your cash with the higher rates of longer terms.
Does KeystoneRates offer CDs directly?
No. KeystoneRates is an independent comparison service. We don't offer, broker, or originate certificates of deposit. All CD products shown are offered by third-party FDIC-insured banks, and we may be compensated when you connect with a partner.