Advertising Disclosure


Popular Posts

CD Rates Summary - May 11, 2021

POSTED ON BY

CD rates have been static at the popular online banks in the last two weeks. It appears that online CD rates have mostly reached a bottom. You can see how online CD rates have been bottoming out in 2021. For the average online CD rates, both the 1-year and 5-year have fallen very little so far in 2021.

There are a few online banks that have cut rates to such low levels that they are no longer competitive for online banks. Radius Bank is the latest one of these. It recently lowered most of its CD rates from 0.50% to 0.10%.

There continues to be a few CD rate hikes. These are rarely anything to get excited about, but they’re a sign that the worst for CD rates may be behind us.

Noteworthy CD rate changes from two weeks ago are included below (All percentages are APYs).

I’ve separated them into three groups: 1) the popular banks, 2) the less well-known banks that have been rate leaders, and 3) the credit unions with easy membership requirements.

Popular Online Banks:

  • None

Less well-known banks that have been rate leaders in the past:

  • State Bank of India (IL) (5yr SC 1.00% → 1.11%, 2yr SC 0.60% → 0.65%)
  • State Bank of India (5yr SC 1.00% → 1.11%, 2yr SC 0.60% → 0.65%)
  • Home Savings Bank (5yr 0.25% → 0.75%, 1yr 0.25% → 0.35%)
  • Comenity Direct (1yr 0.63% → 0.70%)
  • Rising Bank (2yr Jbo 0.55% → 0.60%, 15m NP 0.60% → 0.55%)
  • Third Federal Savings & Loan (39m Spc 0.45% → 0.55%)
  • Colorado Federal Savings Bank (1yr 0.50% → 0.51%)
  • USAA Bank (5yr 0.37% → 0.25%, 1yr 0.06% → 0.04%)
  • Investors eAccess (10m 0.25% → 0.15%, 6m NP 0.25% → 0.15%)
  • Popular Direct (1yr 0.20% → 0.15%)
  • Radius Bank (5yr 0.50% → 0.10%, 1yr 0.50% → 0.10%)

Credit unions that have easy membership requirements:

  • Advancial CU (5yr Jbo 1.94% → 1.91%, 2yr Jbo 1.11% → 1.14%, 1yr Jbo 0.95% → 0.94%)
  • NASA FCU (49m 1.50% → 1.40%, 15m 0.80% → 0.70%, 9m 0.75% → 0.65%)
  • Wings Financial CU (5yr 1.21% → 1.11%, 1yr 0.70% → 0.60%)
  • USALLIANCE Financial FCU (35m 0.75% → 1.00%, 24m 0.90% → 0.80%)
  • Pen Air FCU (5yr 1.15% → 0.99%, 1yr 0.60% → 0.50%)
  • Navy FCU (5yr 0.90% → 0.95%, 1yr 0.55% → 0.60%)
  • Lake Michigan CU (5yr 1.15% → 0.95%)
  • Sun East FCU (5yr Jbo 0.75% → 0.95%, 1yr Jbo 0.30% → 0.50%)
  • Hiway CU (36m 1.00% → 0.95%)
  • Chartway FCU - VA rates (5yr 0.55% → 0.85%, 1yr 0.30% → 0.40%)
  • Premier Members CU (5yr Jbo 0.90% → 0.80%, 1yr Jbo 0.55% → 0.45%)

Brokered CD Rates

This year there have been substantial rate gains on long-term brokered CDs. The gains have slowed since the middle of March. The short-term brokered CD rates have remained near zero.

The top non-callable long-term CDs have been primarily driven by one issuer. State Bank of India has been offering rates well above other issuers. These long-term CD rates have fluctuated a bit in the last month, and sometimes, they’re not being offered. Today, both Fidelity and Vanguard were listing State Bank of India non-callable long-term CDs with the same or very similar rates. Both brokerage firms were offering the 10-year CD with a 1.80% rate and the 7-year CD with a 1.50% rate. For the 5-year CD, Fidelity was offering a 0.95% rate while Vanguard was offering a 1.00% rate.

For mid-term CDs, the largest rate change in the last two weeks was on the 4-year term. At Vanguard, the 4-year CD rate fell 15 bps to 0.30%, and at Fidelity, the rate fell 10 bps to 0.35%. The 2-year and 3-year CD rates have changed little to none. At both Fidelity and Vanguard, the top 3-year CD rate was 0.30%, and the top 2-year rate was only 0.15%.

For short-term brokered CDs with terms of 18 months and under, rates remain very low. The top 18-month rate had a slight gain in the last two weeks, rising to 0.15%. The top 12-month rate held steady at 0.10%. For terms under one year, the rates are very low, ranging from 0.02% to 0.05%.

The callable feature gives the bank the right to redeem a CD early. That can save the bank money when interest rates fall. However, the CD holder loses out if rates fall and the CD is called early. When banks offer more callable long-term CDs, it’s a sign that they think rates are heading down. When the number of callable long-term CDs decline, banks may think rates have reached a bottom and will eventually be rising.

Brokered CD rates often follow Treasury yields. Direct CD rates will often follow brokered CD rates with some lag.

Falling brokered CD rates was a trend that began in November 2018 when the top 5-year rates reached as high as 3.60%. However, that trend may be over. In the last four months, long-term brokered CD rates have been on the rise.

Direct CD Rates and Deals

Credit union CD Specials are rare these days, but they haven’t completely disappeared.

The new one to report this week is the 35-month CD Special at USALLIANCE Financial Credit Union. It has a 1.00% APY, with a minimum deposit of only $500. Unfortunately, USALLIANCE’s 24-month CD Special had a rate cut in May, falling from 0.90% to 0.80% APY. The other specials had no rate changes, and they remain competitive. The two best are the 12-month CD (0.65% APY) and the 11-month no-penalty CD (0.55%). For more details, please refer to the review of USALLIANCE Financial and these Special CDs.

NASA Federal Credit Union kept its three CD Specials in May, but it lowered their rates by 10 bps. NASA FCU’s 49-month CD Special (1.40% APY) continues to hold the #2 spot in the 4-year category. Advancial’s 4-year Jumbo CD remains in first (1.60% APY). NASA FCU’s other two CD Specials are also still quite competitive. They’re not rate leaders for their terms, but they’re close. The 9-month CD Special rate is 0.65% and the 15-month Special rate is 0.70%. For more details, please refer to the review of NASA FCU and these CDs.

Abound Credit Union (formerly known as Fort Knox FCU) continues to offer its two CD Specials (37-month, 1.25% APY; 13-month, 0.80% APY). Only Advancial’s Jumbo CDs have higher rates in the 3-year and 1-year categories. Abound’s standard 59-month CD is also very competitive (1.30% APY). The credit union is infamous at DA for what it did in 2011 when it raised the early withdrawal penalty on existing CDs rather than increasing it only on new CDs or CD renewals. I decided to include Abound in the summary so you can make up your own mind on whether it’s worth joining for their CDs.

Advancial Credit Union Jumbo CDs continue to be the rate leaders for most categories. When May began, a few terms had small rate cuts while other terms had small rate gains. Both the 1-year and 5-year had rate cuts, but they’re still on top. The Jumbo 1-year yield is 0.94% and the Jumbo 5-year yield is 1.91%. Unfortunately, readers have been reporting that Advancial is once again not allowing membership through the Connex association. Last November, Advancial officials had been allowing people in any state to become members via the Connex association. If you try to join, please leave a comment about how it went.

Michigan State University FCU often tweaks its CD rates, but the rates have been static in the last two weeks. Its Jumbo 5-year CD yield remains at 1.35%. This yield is still the highest for a credit union that allows people from any state to easily join. You can join by making a $10 donation to the MSU Alumni Association (MSUAA). According to the credit union CSR, you can select MSUAA when submitting the online application. In the comments section just indicate that you would like to make the $10 donation.

The top nationally available 5-year CD yield from a bank is now 1.11%. It’s the State Bank of India’s Senior Citizens CDs, which require the customer be at least 60 years of age.

For nationally available 1-year CDs, the top 1-year CD rate from a bank is still 0.75%. Two banks continue to offer this rate. One is Gateway First Bank which offers a 13-month CD Special. The other is NexBank which offers a 12-month CD with this rate.

It didn’t quite make the 1-year category, but Ally Bank has started to offer a new 14-month Select CD with a 0.60% APY. This replaces the 15-month Select CD. This new one is scheduled to be available through July 14th. However, there’s no guarantee that the 0.60% APY will hold. The rate may fall before July 14th.

In the last summary, I reported on the three CD Specials from INOVA Federal Credit Union. These CD Specials remain with the same rates. They include a 30-month CD (1.25% APY), a 24-month CD (1.15% APY), and an 18-month CD (1.05% APY). The credit union used to allow people from any state to join by becoming a member of the Tru Direction Financial Literacy Program. That has changed, and now this membership option also requires that you live within a 50-mile radius of a branch. I have more details in the INOVA FCU and CD Specials review.

Savings and Money Market Accounts

There continues to be only three institutions with liquid accounts that offer yields of at least 1.00% without any small maximum balance, activity/checking requirements or unusual withdrawal limitations. There was a short period when a new online bank (ZYNLO Bank) was offering 1.25% APY on a new online money market account. The promo ended in March, and now only the standard rate is available (0.80% APY).

The first is the fintech M1 Finance. This is a brokerage firm and robo-advisor which also offers a checking account called M1 Spend. M1 Finance has partnered with Lincoln Savings Bank which holds the deposits and allows deposits to be FDIC insured. The Spend account has two options: basic and plus. The basic account offers no interest. The plus account offers 1% APY on all balances. The downside with M1 Plus is a $125-per-year maintenance fee that can’t be waived.

The second one is the fintech T-Mobile Money. It has partnered with a bank (Customers Bank) to hold the deposits in an FDIC-insured account. Its checking account offers 1.00% APY on all balances without any activity requirements.

The third institution with a 1% account is Advancial Credit Union. Its Premium Money Market account continues to have a 1.01% APY for a minimum balance of $100k. For those interested in Advancial CDs, this is another reason to join.

For more details about these three accounts, please refer to my latest liquid account summary.

Federal Reserve and Interest Rate Summary

The Fed and economy review is now split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post.

Here's the link to last week's savings/checking account summary. You can always get the latest rates for savings/checking accounts and CDs by using our rate tables, available via the navigational menu on top.

Yields Accurate as of May 11, 2021

Under 1-Year CD Rates

InstitutionRatesNotes
Advancial0.90% ($50k) 6-month Jumbo CertificatePossible easy membership - membership and CD eligibility have been restricted in the past
Veridian Credit Union0.85% ($100k) 7-month Jumbo CD SpecialEasy membership See review
LaFayette Federal Credit Union0.70% ($500) 7-month Fixed CDEasy membership Account review
Marcus by Goldman Sachs0.65% ($500) 9-month High-Yield CD Account review
CommunityWide Federal Credit Union0.65% ($1k) 6-month Share CertificateEasy membership Account review
NASA Federal Credit Union0.65% ($10k) 9-month Share Certificate SpecialEasy membership Account review
CFG Bank0.62% ($500) 13-month Penalty Free CDAccount review
Quontic Bank0.60% ($500) 6-month CDAccount review
USALLIANCE Financial0.55% ($500) 11-month No-Penalty CD Easy membership Account review
Marcus by Goldman Sachs0.55% ($500) 8-month No-Penalty CD Available to active AAPR members only Account review
Gateway First Bank0.55% ($25k) 7-month Promo Share CertificateAvailable in 38 states Account review
Limelight Bank0.50% ($1k) 6-month CD Account review
Ally Bank0.50% ($25k) 11-month No-Penalty CD Account review
Marcus by Goldman Sachs0.45% ($500) 7-month No-Penalty CD Account review
Marcus by Goldman Sachs0.35% ($500) 11-month No-Penalty CD Account review
The Vanguard Group Brokered CD0.05% (APR) 7-9 month non-callable CDIssued by MLBB*
Fidelity Brokered CD0.05% (APR) 6-month non-callable CDIssued by GSB*
The Vanguard Group Brokered CD0.05% (APR) 4-6 month non-callable CDIssued by GSB*
Fidelity Brokered CD0.05% (APR) 3-month non-callable CDIssued by FMSB*
Fidelity Brokered CD0.02% (APR) 9-month non-callable CDIssued by MFB*
The Vanguard Group Brokered CD0.02% (APR) 1-3 month non-callable CDIssued by MFB, MZTB*

Noteworthy Local Deals - Under 1-Year CDs

Rio Grande Credit Union1.11% ($25k) 6-month Jumbo IRA CD2 New Mexico counties See review
TEXAR Federal Credit Union0.95% ($1k) 6-month Share Certificate 4 Texas and 2 Arkansas counties See review
EFCU Financial0.85% ($100k) 6-month Jumbo CD9 Louisiana parishes See review
True Sky Credit Union0.80% ($1k) 7-12 month CD (**NTS)8 central Oklahoma counties See review
Weokie Credit Union0.80% ($100k), 0.70% ($1k) 6-month Certificate 8 central Oklahoma counties See review

1-Year CD Rates

Langley Federal Credit Union1.25% ($1k min/$10k max) 14-month CD Special (**NTS)Easy membership, but 14-month CD Special only available to new members in CD, MD, NC, and VA See review
Advancial0.94% ($50k) 1-year Jumbo CertificatePossible easy membership - membership and CD eligibility have been restricted in the past See review
Abound Credit Union0.80% ($500) 13-month CD SpecialEasy membership (formerly Fort Knox Federal Credit Union) Account review
Lafayette Federal Credit Union0.80% ($500) 1-year Fixed CDEasy membership Account review
NexBank0.75% ($10k) 12-month CDAccount review
Gateway First Bank0.75% ($25k) 13-month Promo Share CertificateAvailable in 38 states Account review
CommunityWide Federal Credit Union0.70% ($1k) 12-month Share Certificate Easy membership Account review
Northrop Grumman Federal Credit Union0.70% ($40k) 12-month Bonus Term CDEasy membership See review
Comenity Direct0.70% ($1.5k) 1-year CD (**NTS) Account review
CFG Bank0.67% ($500) 12-month CDAccount review
Quontic Bank0.65% ($500) 1-year CDAccount review
Merrick Bank0.65% ($25k) 12-month CD Account review
Fidelity Brokered CD0.10% (APR) 1-year non-callable CDIssued by GSB*
The Vanguard Group Brokered CD0.10% (APR) 1-year non-callable CDIssued by GSB*

Noteworthy Local Deals - 1-Year CDs

Rio Grande Credit Union1.97% ($25k) 12-month Jumbo IRA CD2 New Mexico counties See review
Democracy Federal Credit Union1.51% ($500) 12-month IRA CDWashington DC metro area See review
Cencap Federal Credit Union1.26% ($25) 12-month Save to Win Share Certificate Hartford, CT area See review
CoastLife Credit Union1.12% ($1k) 12-month CD6 Texas counties See review
Navy Army Community Credit Union1.10% ($100k) 1-year Jumbo CD8 Texas counties See review
Keesler Federal Credit Union1.05% ($25) 1-year FirstStep CDEasy membership in AL, LA, and MS See review
TEXAR Federal Credit Union1.05% ($1k) 12-month Share Certificate 4 Texas and 2 Arkansas counties See review

18-month CD Rates

Advancial1.03% ($50k) 18-month Jumbo CertificatePossible easy membership - membership and CD eligibility have been restricted in the past See review
Western Vista Credit Union1.00% (no min) 19-month IRA CD SpecialEasy membership See review
Consumers Credit Union (IL)1.00% ($250k) 20-month Super Jumbo CDEasy membership See review
Evansville Teachers Federal Credit Union0.75% ($1k) 18-month CDEasy membership Account review
NexBank0.75% ($10k) 18-month CDAccount review
CFG Bank0.70% ($500) 18-month CD Account review
Hanscom Federal Credit Union0.70% ($1k) 19-month CD Special Easy membership Account review
NASA Federal Credit Union0.70% ($10k) 15-month Share Certificate SpecialEasy membership Account review
Limelight Bank0.65% ($500) 18-month CDAccount review
First Internet Bank0.65% ($1k) 18-month CD Account review
Live Oak Bank0.65% ($2.5k) 18-month CDAccount review
Primary Bank0.60% ($1k) 18-month CD Available in CT, ME, MA, NH, RI, and VT Account review
The Vanguard Group Brokered CD0.15% (APR) 13-18 month non-callable CDIssued by GSB*
Fidelity Brokered CD0.15% (APR) 18-month non-callable CDIssued by GSB*

Noteworthy Local Deals - 18-Month CDs

Rio Grande Credit Union1.92% ($25k) 18-month Jumbo IRA CD2 New Mexico counties See review
Achieva Credit Union1.50% ($50 min/$5k max) 15-month Promotional CDAvailable only in Florida See review
Round Top State Bank1.36% ($100) 18-month IRA CDAustin, Texas area See review
TEXAR Federal Credit Union1.15% ($1k) 18-month Share Certificate4 Texas and 2 Arkansas counties See review
First Bank Richmond1.11% ($500) 17-month CD SpecialCentral Indiana
Security First Credit Union1.06% ($100k), 1.01% ($50k) 18-month CD Rio Grande Valley, Texas See review
Chicago Municipal Employees Credit Union1.05% ($25k), 0.65% ($10k), 0.55% ($1k) 18-month Share CertificateCity of Chicago employees; portions of Cook County
INOVA Federal Credit Union1.05% ($200) 18-month CDNorthern Indiana See review

2-Year CD Rates

Advancial1.14% ($50k) 2-year Jumbo CertificatePossible easy membership - membership and CD eligibility have been restricted in the past See review
Lafayette Federal Credit Union0.90% ($500) 3-year Fixed CD (**NTS)Easy membership Account review
Barksdale Federal Credit Union0.90% ($1k) 24-month Certificate (**NTS)Military relationship See review
Evansville Teachers Federal Credit Union0.85% ($1k) 2-year CD Easy membership Account review
Northrop Grumman Federal Credit Union0.81% ($40k) 24-month Bonus Term CD (**NTS)Easy membership See review
USALLIANCE Financial0.80% ($500) 24-month Certificate Special Easy membership Account review
Comenity Direct0.75% ($1.5k) 2-year CD Account review
Merrick Bank0.71% ($25k) 24-month CD Account review
First National Bank of America0.70% ($1k) 24-35 month CD Account review
INSBANK Online0.70% ($2.5k) 2-year CD Account review
Live Oak Bank0.70% ($2.5k) 2-year CDAccount review
Fidelity Brokered CD0.15% (APR) 2-year non-callable CDIssued by BMW, FLAG*
The Vanguard Group Brokered CD0.15% (APR) 2-year non-callable CDIssued by BMW, FLAG*

Noteworthy Local Deals - 2-Year CDs

Rio Grande Credit Union2.07% ($25k) 24-month Jumbo IRA CD2 New Mexico counties See review
Ouachita Valley Federal Credit Union1.76% ($25k) 24-month IRA Certificate7 Lousiana parishes See review
TEXAR Federal Credit Union1.50% ($1k) 24-month Share Certificate (**NTS)4 Texas and 2 Arkansas counties See review
Aventa Credit Union1.26% ($20) 24-month CD9 Colorado counties See review
CoastLife Credit Union1.26% ($1k) 24-month CD6 Texas counties See review
La Joya Area Credit Union1.26% ($1k) 24-month CDHildago County, Texas
Chicago Municipal Employees Credit Union1.25% ($25k), 0.75% ($10k), 0.65% ($1k) 24-month Share CertificateCity of Chicago employees; portions of Cook County

3-Year CD Rates

Advancial1.34% ($50k) 3-year Jumbo CertificatePossible easy membership - membership and CD eligibility have been restricted in the past See review
Abound Credit Union1.25% ($500) 37-month CD Special Easy membership (formerly Fort Knox Federal Credit Union) Account review
Barksdale Federal Credit Union1.10% ($1k) 36-month Certificate (**NTS)Military relationship See review
Lafayette Federal Credit Union1.01% ($500) 3-year Fixed CD Easy membership Account review
USALLIANCE Financial1.00% ($500) 35-month Certificate Special (**NTS) Easy membership Account review
Evansville Teachers Federal Credit Union0.95% ($1k) 3-year CD (**NTS)Easy membership Account review
CFG Bank0.85% ($500) 36-month CD Account review
iGObanking0.85% ($1k) 36-month iGOCD Account review
Comenity Direct0.85% ($1.5k) 36-month CD Account review
First Internet Bank0.81% ($1k) 36-month CD Account review
Hyperion Bank0.80% ($500) 36-month CD Account review
First National Bank of America0.80% ($1k) 36-47 month CD Account review
Fidelity Brokered CD0.30% (APR) 3-year non-callable CDIssued by BMW*
The Vanguard Group Brokered CD0.30% (APR) 3-year non-callable CDIssued by BMW*

Noteworthy Local Deals - 3-Year CDs

Rio Grande Credit Union2.17% ($25k) 36-month Jumbo IRA CD2 New Mexico counties See review
Democracy Federal Credit Union1.82% ($2k) 36-month IRA CDWashington DC metro area See review
La Joya Area Credit Union1.46% ($1k) 36-month CDHildago County, Texas
Chicago Municipal Employees Credit Union1.45% ($25k), 0.85% ($10k), 0.75% ($1k) 36-month Share Certificate City of Chicago employees; portions of Cook County
Complex Community Credit Union1.38% ($500) 36-month CD Midland and Odessa, Texas See review
CoastLife Credit Union1.36% ($1k) 36-month CD6 Texas counties See review
The Pioneer Savings Bank1.25% ($500) 3-year CD Cleveland metro area See review
TDECU1.25% ($1k) 36-month CD 30 Texas counties See review

4-Year CD Rates

Advancial1.60% ($50k) 4-year Jumbo Certificate Possible easy membership - membership and CD eligibility have been restricted in the past See review
NASA Federal Credit Union1.40% ($10k) 49-month Share Certificate Special Easy membership Account review
Barksdale Federal Credit Union1.20% ($1k) 48-month CertificateMilitary relationship See review
Lafayette Federal Credit Union1.16% ($500) 4-year Fixed CD Easy membership Account review
Michigan State University Federal Credit Union1.10% ($100k) 4-year Jumbo CDEasy membership See review
Affinity Plus Federal Credit Union1.05% ($500) 48-month CD (**NTS)Easy membership See review
Achieva Credit Union1.05% ($75k), 0.95 ($500) 42-month Promotional CD (unlimited add-ons) Easy membership See review
State Bank of India0.95% ($25k) 4-year Senior Citizen CD (**NTS) Account review
Primary Bank0.94% ($1k) 4-year CDAvailable in CT, ME, MA, NH, RI, and VT Account review
Hyperion Bank0.90% ($500) 48-month CD Account review
First National Bank of America0.90% ($1k) 48-59 month CD Account review
iGObanking0.90% ($1k) 48-month iGOCD Account review
First Internet Bank0.86% ($1k) 48-month CD Account review
Fidelity Brokered CD0.35 (APR) 4-year non-callable CDIssued by CWBB*
The Vanguard Group Brokered CD0.30% (APR) 4-year non-callable CDIssued by CSBWI*

Noteworthy Local Deals - 4-Year CDs

Rio Grande Credit Union2.17% ($25k) 48-month Jumbo IRA CD2 New Mexico counties See review
Chicago Municipal Employees Credit Union1.65% ($25k), 0.90% ($10k), 0.80% ($1k) 48-month Share CertificateCity of Chicago employees; portions of Cook County
La Joya Area Credit Union1.61% ($1k) 48-month CDHildago County, Texas
EL TFCU1.61% ($50k) 48-month Jumbo Share Certificate El Paso County, Texas See review
Keys Federal Credit Union1.51% ($500) 48-month Share Certificate Florida Keys
Navigator Credit Union1.50% ($100k) 48-month Jumbo Share CD2 AL and 1 MS counties See review

5-Year CD Rates

Advancial1.91% ($50k) 5-year Jumbo CertificatePossible easy membership - membership and CD eligibility have been restricted in the past See review
Barksdale Federal Credit Union1.45% ($1k) 60-month CertificateMilitary relationship See review
Michigan State University Federal Credit Union1.35% ($100k) 5-year Jumbo CD Easy membership See review
Abound Credit Union1.30% ($500) 59-month CD Easy membership (formerly Fort Knox Federal Credit Union) Account review
Lafayette Federal Credit Union1.26% ($500) 5-year Fixed CD Easy membership Account review
State Bank of India (IL)1.11% ($2.5k) 5-year Senior Citizens CD Account review
Third Federal Savings and Loan1.05% ($500) 55-month CD Special Account review
First National Bank of America1.05% ($1k) 60-month CD
Primary Bank1.04% ($1k) 5-year CDAvailable in CT, ME, MA, NH, RI, and VT Account review
CFG Bank1.00% ($500) 60-month CD Account review
Hyperion Bank1.00% ($500) 60-month CD Account review
The Vanguard Group Brokered CD1.00% (APR) 5-year non-callable CDIssued by SBoI*
Fidelity Brokered CD0.95% (APR) 5-year non-callable CDIssued by SBoI*

Noteworthy Local Deals - 5-Year CDs

Rio Grande Credit Union2.17% ($25k) 60-month Jumbo IRA CD2 New Mexico counties See review
Complex Community Credit Union2.10% ($500) 60-month CD Midland and Odessa, Texas See review
Democracy Federal Credit Union2.02% ($2.5k) 60-month IRA CDWashington DC metro area See review
EL TFCU1.87% ($50k) 60-month Jumbo Share Certificate El Paso County, Texas See review
La Joya Area Credit Union1.81% ($1k) 60-month CDHildago County, Texas
Navigator Credit Union1.80% ($100k) 60-month Jumbo Share CD2 AL and 1 MS counties See review
Keys Federal Credit Union1.76% ($500) 60-month Share CertificateFlorida Keys

Over 5-Year CD Rates

Fidelity Brokered CD1.80% (APR) 10-year non-callable CDIssued by SBoI*
The Vanguard Group Brokered CD1.80% (APR) 10-year non-callable CDIssued by SBoIIL*
The Vanguard Group Brokered CD1.50% (APR) 7-year non-callable CDIssued by SBoI*
Fidelity Brokered CD1.50% (APR) 7-year non-callable CDIssued by SBoI*
SRP Federal Credit Union1.26% ($5k) 7-year Flex CDEasy membership See review
Northrop Grumman Federal Credit Union1.18% ($40k) 84-month Bonus Term CDEasy membership See review
Evansville Teachers Federal Credit Union1.15% ($1k) 6-year CDEasy membership See review
First National Bank of America1.15% ($1k) 84-month Time CD
AFFCU0.90% ($2.5k) 84-month Share CertificateEasy membership See review
Chartway Federal Credit Union0.85% (no min) 60-71 month Share Certificate (**NTS)Easy membership See review
Vio Bank0.70% ($500) 120-month High Yield Online CD Account review
Third Federal Savings and Loan0.70% ($500) 72-month CD Account review
Marcus by Goldman Sachs0.60% ($500) High-Yield 6 Year CD Account review
Discover Bank0.60% ($2.5k) 10-year CD Account review

Noteworthy Local Deals - Over 5-year CDs

Founders Federal Credit Union1.76% ($100k), 1.61% ($50k), 1.51% ($500) 84-month IRA CD 4 SC counties, 60 SC Census Tracts Account review
Campus Federal1.60% ($1k) 72-month CD Louisiana Account review
Security First Credit Union1.56% ($100k), 1.46% ($50k), 1.41% ($25k), 1.36% ($1k) 84-month CD Rio Grande Valley, Texas See review
Redstone Federal Credit Union1.47% ($100k) 144-month Jumbo Share Certificate Employees/members of 1,500 Membership Partner groups; civilian/military personnel at Redstone Arsenal See review
North Shore Bank1.40% ($5k) 10-year CD Special16 eastern WI counties and McHenry County, IL See review
First Guaranty Bank1.40% ($500) 8-year CD11 LA parishes and 5 TX counties See review

*BMW (BMW Bank), CSBWI (Commerce State Bank WI), CWBB (Commonwealth Business Bank), FLAG (Flagstar Bank FSB), GSB (Goldman Sachs Bank), MFB (MidFirst Bank OK), MLBB (Marlin Business Bank), MZTB (Mizrahi Tefahot Bank), SBoI (State Bank of India), SBoIIL (State Bank of India IL)

**New To Summary, as of May 11, 2021

CDs Removed, No Longer Available

City of Boston Credit Union0.88% ($500 min/$100k min) 9-month Share Certificate Special 3 Massachusetts counties See review
Langley Federal Credit Union1.00% ($1k min/$25k max) 15-month CD Special Easy membership See review

CDs Removed Due To Low Rates Or Expired Specials

Wings Financial Credit Union0.60% ($250k), 0.55% ($100k) 1-year CertificateEasy membership See review
Superior Choice Credit Union0.90% ($100k), 0.85% ($50k), 0.80% ($25k), 0.75% ($10k), 0.70% ($2.5k) 2-year Share Certificate Easy membership Account review
Wings Financial Credit Union0.75% ($250k), 0.70% ($100k) 2-year Certificate Easy membership See review
INOVA Federal Credit Union1.15% ($200) 2-year CDNorthern Indiana See review
Navy Army Community Credit Union1.15% ($100k) 2-year Jumbo CD8 Texas counties See review
Keesler Federal Credit Union1.05% (100k) 2-year Jumbo CDEasy membership in AL, LA, and MS See review
Primary Bank0.65% ($1k) 2-year CD Available in CT, ME, MA, NH, RI, and VT Account review
Northrop Grumman Federal Credit Union0.97% ($40k) 36-month Bonus Term CDEasy membership See review
Wings Financial Credit Union0.90% ($250k), 0.85% ($100k) 3-year CertificateEasy membership See review
Primary Bank0.75% ($500) 36-month CDAvailable in CT, ME, MA, NH, RI, and VT Account review
INOVA Federal Credit Union1.25% ($200)30-month CD Northern Indiana See review
Wings Financial Credit Union1.01% ($250k), 0.96% ($100k) 4-year CertificateEasy membership See review
Comenity Direct0.85% ($1.5k) 4-year CD Account review
PenFed Credit Union0.75% ($1k) 7-year Money Market CertificateEasy membership See review

Related Pages: reward checking accounts, 1-year CD rates, 5-year CD rates, nationwide deals, Internet banks
Comments

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.