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CD Rates Summary May 21, 2019

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There have been a few rate hikes and new CD specials, but overall, there have been many more CD rate cuts than hikes in the last two weeks. This is a trend that we have seen for most of 2019.

Brokered CD Rates

For the top brokered CD rates at Fidelity and Vanguard, the rates of the long-term ones (3 years and longer) all went down by 5 bps from two weeks ago. For terms under 3 years, the rates were either flat or increased by 5 bps.

At both Fidelity and Vanguard, the top 1-year rate was 2.45%, and the top 5-year rate was 2.70%. There continues to be little rate difference for brokered CDs with terms under two years. From 3-months to 18-months, the top rates are either 2.40% or 2.45%.

Falling brokered CD rates is a trend that began in November of last year when the top 5-year rates reached as high as 3.60%.

One interesting thing I noticed today is the increased number of callable CDs. For a callable CD, the bank has a right to close the CD before maturity. It makes sense that we’re seeing more callable CDs these days since they are favorable to the bank when rates might fall. Please note that callable brokered CDs are excluded from the lists below. Only non-callable CDs are included.

Direct CD Rates

For nationally available CDs, there was just one institution that came out with noteworthy higher rates. There were a few local banks and credit unions that are offering noteworthy CD rates. I’ll mention a few that have wide availability.

Long-Term CD Rates

Connexus Credit Union increased the rate of its 5-year CD to 3.40% APY. Minimum deposit is $5k, and the early withdrawal penalty is 365 days of dividends. This continues to be the top 5-year rate that’s nationally available. Connexus replaces University FCU for this top spot. Last week, University FCU’s 5-year Jumbo CD APY fell from 3.40% to 3.15%.

Connexus also increased the rate of its 3-year CD to 3.10% APY. Only State Bank of India has a higher rate (3.14% APY).

Add-On CDs Still Available

One noteworthy 5-year CD that continues to be available is the 60-month Promo Jumbo CD at GTE Financial Credit Union which earns 3.30% APY for a $100k minimum deposit. What makes this especially noteworthy is that it allows unlimited add-on deposits. There’s also a non-Jumbo version with a lower rate (3.04% APY). Its minimum deposit is only $500. A couple of readers had been told that these promos were scheduled to end on April 30th, but these promos are still listed at GTE Financial’s website. The only thing that appears to have ended on the 30th was a vacation cruise give-away.

The other add-on deposit 5-year CD that’s nationally available is the 5-year Growth Certificates at Mountain America Credit Union (MACU). These used to have the name “Term Deposit Plus”. It also used to have a much higher yield, but the current yield is still very competitive at 3.10% APY. There’s only a $5 minimum initial deposit. The main downside to this add-on CD is a maximum balance of $100k (in any one or combination of Growth Certificate accounts). MACU allows members to add money to their Growth Certificates at anytime. The account also requires an automated monthly deposit of at least $10.

Usefulness of Add-On CDs

These add-on CDs can be a useful way to hedge against falling rates. Open these CDs with the minimum deposit. If rates fall, you can always add on to these CDs, and the additional funds will receive the original CD rate.

Local Long-Term CD Deals

Two weeks ago I reported on the 4% 4-year Share Certificate at Frontwave Credit Union in California. Unfortunately, this deal didn’t last long. The rate dropped to 3.50% APY, which is still an excellent deal for a 4-year CD. Frontwave’s field of membership is primarily limited to residents of Riverside, San Bernardino, and San Diego Counties, California.

The new local deal leader for 5-year CDs is Advantis Credit Union which is open to Washington State residents and residents of several Oregon counties. For a $100k minimum with at least $25k of new money, the 5-year CD earns 3.75% APY.

We now have several 5-year CDs that are locally available with yields of 3.50%. The latest one added is the 5-year CD at Pioneer Valley Credit Union. Its 5-year CD earns 3.50% APY for a $25k minimum and 3.25% APY for a $1k minimum. Residents of Connecticut, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont are eligible to join.

Mid-Term CD Rates

Important rate cuts took place recently at CD Bank, the online division of TBK Bank. It had been offering top rates on three mid-term CDs. All of these three had big rate cuts: 12-month (-15 bps to 2.85% APY), 18-month (-20 bps to 2.90% APY), and 24-month (-25 bps to 2.95% APY). Unfortunately, CD Bank’s parent, TBK Bank, made rate cuts on its CDs that it offers in the Dallas area. TBK Bank had been offering rates even higher than CD Bank, but now the rates are the same.

We still have one remaining mid-term CD with a 4% APY. It’s the 25-month CD special at Dort Federal Credit Union. Minimum deposit is $50k. Unfortunately, it’s not widely available. Only residents of a few Michigan counties are eligible to join.

Short-Term CD Rates

Andrews Federal Credit Union continues to offer 2.86% APY on a special 8-month CD. This special has been available since November.

PurePoint Financial’s 13-month No-Penalty CD continues to earn 2.50% APY. Minimum deposit is $10k. It functions just like Ally Bank’s No Penalty CD. Since it’s a no-penalty CD, the longer the term, the better. You can make the CD have any term you want, from 7 days to its full 13-month term.

Savings & Money Market Account Rates

For liquid accounts, the top rate is 2.53% APY. The is available nationwide at Susquehanna Community Bank. Its Eagle Premium Savings Account earns 2.53% APY when a $100k minimum deposit is maintained. For those without a large balance, the money market accounts at Western State Bank and Investors eAccess both earn 2.50% APY with no minimum balance requirement. My next update on all of the top savings and money market accounts will be next week. 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.

Federal Reserve and Interest Rate Summary

This is my new weekly summary with the Fed review 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.

Yields Accurate as of May 21, 2019

Under 1-Year CD Rates

InstitutionRatesNotes
California Coast Credit Union9.00% ($500 min/$3k max) 5-month Celebration Certificate Easy membership See review
Andrews Federal Credit Union2.86% ($1k) 8-month Certificate SpecialEasy membership See review
NBKC2.85% ($10k) 10-month Certificate Special
Advancial2.76% ($50k) 6-month Jumbo CertificateEasy membership See review
Advancial2.72% ($50k) 3-month Jumbo CertificateEasy membership See review
MutualOne Bank2.53% ($500) 7-month Online CD See review
Investors eAccess2.50% ($500) 6-month No Penalty CDInternet bank - Account review
WebBank2.50% ($2.5k) 6-month CD See review
CD Bank2.50% ($10k) 6-month CDInternet bank See review
PurePoint Financial2.50% ($10k) 13-month No-Penalty CDInternet bank Account review
United Bank2.50% Advantage Money Market, 180-day rate guarantee25 states See review
Vio Bank2.45% ($500) 9-month High Yield Online CD Internet bank See review
Live Oak Bank2.45% ($2.5k) 6-month CDInternet bank Account review
Virtual Bank2.45% ($10k) 9-month eCD See review
CD Bank2.45% ($10k) 9-month CDInternet bank See review
The Vanguard Group Brokered CD2.45% (APR) 6-month non-callable CDIssued by BoH, BotW, SBoIIL, SYN*
The Vanguard Group Brokered CD2.45% (APR) 9-month non-callable CDIssued by BoH, NYCM*
DollarSavingsDirect2.40% ($1k) 6-month CDInternet bank See review
EmigrantDirect2.40% ($1k) 6-month CDInternet bank See review
MySavingsDirect2.40% ($1k) 6-month CDInternet bank See review
Communitywide FCU2.40% ($2k) 6-month Share CertificateEasy membership Account review
My eBanc2.40% ($100k), 2.30% ($10k) 11-month Flex Time Deposit See review
The Vanguard Group Brokered CD2.40% (APR) 3-month non-callable CDIssued by BoC, BoH, BUN, HWB, LBS&L and 3 others*
Fidelity Brokered CD2.40% (APR) 6-month non-callable CDIssued by BoC, SSB*
Fidelity Brokered CD2.40% (APR) 9-month non-callable CDIssued by BoC, CNTB, TKB*
Fidelity Brokered CD2.40% (APR) 3-month non-callable CDIssued by BoC, HWB, SBoI*
Limelight Bank2.35% ($1k) 6-month CDInternet bank See review
Colorado Federal Savings Bank2.35% ($5k) 6-month CDInternet bank Account review
Marcus by Goldman Sachs2.35% ($500) 13-month No-Penalty CDInternet bank See review
Ally Bank2.30% ($25k), 2.15% ($5k) No-Penalty 11-month CDInternet bank See review
Customers Bank2.25% ($25k)Ascent Money Market Savings (rate guarantee through 12/31/2019 - Account review
Citizens Access2.20% ($5k min) 6-month Online CDInternet Bank Account review
Chartway Federal Credit Union2.10% ($100) 12-month CD No PenaltyEasy membership See review

Noteworthy Local Deals - Under 1-Year CDs

1st Financial Federal Credit Union3.00% ($1k) 8-month CertificateSt. Charles and St. Louis Counties, City of St. Louis
Partners Financial Credit Union3.00% ($10k) 9-month Share Certificate Special (ends May 31)Chesterfield, Hanover, Henrico Counties (VA) and City of Richmond See review
Bankers Trust Company2.75% ($1k, base rate) 7-23 month Pick-a-Term CDIowa and Arizona See review
BHCU2.75% ($2.5k) iSAVE Money Market, 12-month rate guaranteeDelaware County, PA See review
First Peoples Community Federal Credit Union2.60% ($500) 9-month CD Promo3 Maryland, 3 Pennsylvania, and 3 West Virginia counties See review
Family First Federal Credit Union2.55% ($500) 8-month CD SpecialMonroe and Wayne Counties, New York See review
Advantage Federal Credit Union2.50% ($500) 5-month Share Certificate SpecialRochester, NY area See review
America First Credit Union2.50% ($500) 6-11 month Regular Certificate 11 Utah, 11 Nevada, 16 Idaho, 2 Arizona, and 1 Oregon counties See review
Wasatch Peaks Credit Union2.50% ($500) 6-month CD 3 Utah counties See review
Kellogg Community Credit Union2.50% ($500) 9-month CD Special15 west Michigan counties See review
Providence Bank2.35% ($2.5k) 9-month CD Special 7 Missouri and 1 Illinois counties See review
Westbury Bank2.30% ($500) 9-month CDEastern Wisconsin See review
Dime Community Bank2.25% ($500) 14-month No-Penalty CDNew York State See review
Members Choice Credit Union2.25% ($50k) 9-month Jumbo CDHouston area See review
Bogota Savings Bank2.20% ($1k) 8-month CDNorthern New Jersey See review

1-Year CD Rates

State Bank of India (IL)2.89% ($2.5k) 1-year Senior Citizen CD
State Bank of India2.88% ($25k) 12-month Senior Citizen CD See review
Merrick Bank2.87% ($25k) 12-month CDInternet bank Account review
Comenity Direct2.86% ($1.5k) 1-year CDInternet bank Account review
Limelight Bank2.85% ($1k) 12-month CDInternet bank See review
Quontic Bank2.85% ($1k) 1-year CD
Banesco USA2.85% ($1.5k) 12-month CDInternet bank See review
CD Bank2.85% ($10k) 12-month CDInternet bank See review
TotalDirectBank2.82% ($25k min) 12-month CDInternet Bank
Rising Bank2.80% ($1k) 1-year Term CDInternet bank Account review
WebBank2.80% ($2.5k) 1-year CD See review
Live Oak Bank2.80% ($2.5k) 1-year CDInternet bank Account review
Colorado Federal Savings Bank2.80% ($5k) 12-month CDInternet bank Account review
PurePoint Financial2.80% ($10k) 12-month CDInternet bank See review
Advancial2.80% ($50k) 1-year Jumbo CertificateEasy membership See review
NASB2.79% ($1k) 12-month Online CD Special See review
First Internet Bank2.78% ($1k) 12-month CDInternet bank See review
State Bank of India (IL)2.78% ($2.5k) 1-year CD
Navy Federal Credit Union2.75% ($50-$100k) 10-month Special Certificate w/add-on Military relationship See review
First National Bank of America2.75% ($1k) 1-year CD
TIAA Bank2.75% ($5k) 1-year Yield Pledge CD Internet bank See review
CapitalOne Bank2.70% 12-month 360 CDAccount review
SallieMae Bank2.70% ($2.5k) 12-month CDAccount review
Citizens Access2.70% ($5k)12-month Online CDInternet Bank Account review
Ally Bank2.70% ($25k) High-Yield 12-month CDInternet bank See review
Alliant Credit Union2.70% ($25k) 12-17 month Jumbo Share CertificateInternet bank See review
The Vanguard Group Brokered CD2.45% (APR) 1-year non-callable CDIssued by BoC, BoH*
Fidelity Brokered CD2.45% (APR) 1-year non-callable CDIssued by BoC*

Noteworthy Local Deals - 1-Year CDs

Taunton Credit Union3.11% ($250) 11-month Term Share CertificateBristol County (MA) and most of Rhode Island See review
Granite Federal Credit Union3.05% ($500) 11-month CDSalt Lake County, Utah See review
Town & Country Federal Credit Union3.04% ($500) 12-month Share Certificate SpecialCumberland and York Counties, Maine See review
Prince George's Community Credit Union3.04% ($1k) 13-month CD SpecialPrince George's County, Maryland See review
Red Rocks Credit Union3.00% ($1k) 12-month CD SpecialEasy membership for Colorado residents See review
Rhinebeck Bank2.95% ($2k) 14-month CD SpecialDutchess, Orange, and Ulster Counties, NYSee review
Baton Rouge Telco Federal Credit Union2.90% ($500) 12-month Share Certificate10 Louisiana parishes See review
First Florida Credit Union2.89% ($50k) 13-month CD Special29 Florida counties See review
Jefferson Financial Credit Union2.96% ($100k) 12-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
Navy Army Community Credit Union2.83% ($1k) 13-month CD Special8 South Texas counties See review
Cross River Bank2.80% ($500) 12-month CDNew Jersey See review
Verve, a Credit Union2.79% ($1k) 14-month Share Certificate Special21 Wisconsin and 2 Minnesota counties See review
America First Credit Union2.75% ($500) 12-23 month Regular Certificate 11 Utah, 11 Nevada, 16 Idaho, 2 Arizona, and 1 Oregon counties See review
Hanmi Bank2.75% ($5k) 13-month Gro CD CA, IL, NJ, NY, TX, VA See review
Wasatch Peaks Credit Union2.75% ($500) 12-month CD 3 Utah counties See review
American Eagle Bank of Chicago2.75% ($1k) 14-month New Money Step Up CDCook and Kane Counties, Illinois See review
Centris Credit Union2.75% ($90k) 14-month Jumbo CD3 Nebraska and 1 Iowa counties See review
Centric Bank2.70% ($1k) 13-14 month CD SpecialCumberland and Dauphin Counties, PA See review

18-month CD Rates

Hanscom Federal Credit Union3.00% ($1k) 19-month CD SpecialEasy membership See review
Andrews Federal Credit Union2.95% ($1k) 17-month Certificate SpecialEasy membership See review
CD Bank2.90% ($10k) 18-month CDInternet bank See review
State Bank of India (IL)2.89% ($2.5k) 15-month CD Special
Limelight Bank2.88% ($1k) 18-month CDInternet bank See review
First Internet Bank2.86% ($1k) 18-month CDInternet bank See review
Advancial2.86% ($50k) 18-month Jumbo CertificateEasy membership See review
USALLIANCE Financial2.85% ($500) 18-month Certificate SpecialEasy membership Account review
Rising Bank2.85% ($25k) 18-month Rising CDAdd-on & Bump-up options, Internet bank Account review
Pacific National Bank2.80% ($1k) 18-month Online Promo CD Internet bank See review
Live Oak Bank2.80% ($2.5k) 18-month CDAccount review
Security Bank (OK)2.78% ($2k) 18-month Spring CD Special See review
Northern Bank Direct2.76% ($500) 18-month CDInternet bank Account review
NASA Federal Credit Union2.75% ($5k) 15-months Share CertificateEasy membership See review
Latino Credit Union2.75% ($200k) 18-month Jumbo CD Easy membership See review
Citizens Access2.70% ($5k min) 18-month Online CDInternet Bank Account review
Popular Direct2.67% ($10k) 18-month Popular Direct CDInternet bank
CommunityWide Federal Credit Union2.65% ($2k) 18-month Share CertificateEasy membership Account review
University Federal Credit Union2.64% (3.15% 60-month Fixed Jumbo CD closed after 18 months)Easy membership See review
AgFed Credit Union2.60% ($1k) 18-month CDEasy membership See review
American Heritage Credit Union2.50% ($1k) 15-month Share CertificateEasy membership Account review
Fidelity Brokered CD2.45% (APR) 18-month non-callable CDIssued by TRMB*
The Vanguard Group Brokered CD2.40% (APR) 18-month non-callable CDIssued by DIME, RTC*
Ally Bank2.19% (3.00% High Yield 5-Year CD closed after 18 months)See review

Noteworthy Local Deals - 18-Month CDs

1st Nor Cal Credit Union3.04% (no min) 20-month CDAlameda, Contra Costa, and Solano Counties, California See review
Members First Credit Union3.01% ($1k) 15-month CD SpecialMichigan See review
FORUM Credit Union3.00% ($500) 18-month CDMost of Indiana counties
Community 1st Credit Union3.00% ($500) 18-month CD57 Iowa and 8 Missouri counties See review
Homeland Credit Union3.00% ($75k) 18-month Jumbo CD9 Ohio counties See review
Kellogg Community Credit Union3.00% ($500) 19-month CD Special15 west Michigan counties See review
Cornerstone Federal Credit Union3.00% ($5k) 19-month Regular Certificate SpecialEasy membership for Tennessee and Kentucky See review
Cobalt Credit Union2.95% ($100k), 2.85% ($1k) 18-month Term Share Certificate7 Nebraska and 9 Iowa counties See review
Community First Credit Union2.90% ($10k) 15-month CD Special13 northeastern Wisconsin counties See review
Cross River Bank2.88% ($500) 18-month CDNew Jersey See review
Hanmi Bank2.85% ($5k) 15-month Gro CD CA, IL, NJ, NY, TX, VA See review
Homeland Credit Union2.85% ($500) 18-month CD9 Ohio counties See review

2-Year CD Rates

State Bank of India (IL)3.09% ($2.5k) 2-year Senior Citizen CD
State Bank of India3.09% ($25k) 2-year Senior Citizen CD See review
Georgia Banking Company2.95% ($500) 2-year Certificate See review
Comenity Direct2.95% ($1.5k) 2-year CDInternet bank Account review
CD Bank2.95% ($10k) 24-month CDInternet bank See review
Quontic Bank2.90% ($1k) 2-year CD
WebBank2.90% ($2.5k) 2-year CD See review
First Internet Bank2.89% ($1k) 24-month CDInternet bank See review
Colorado Federal Savings Bank2.88% ($5k) 24-month CDInternet bank Account review
Rising Bank2.87% ($1k) 2-year Term CDInternet bank Account review
AgFed Credit Union2.85% ($1k) 24-month CDEasy membership See review
First National Bank of America2.85% ($1k) 24-35 month CD
Live Oak Bank2.85% ($2.5k) 2-year CDInternet bank Account review
M.Y. Safra Bank2.85% ($5k) 24-month Online Promo CD See review
TotalDirectBank2.85% ($25k) 24-month CDInternet Bank
NASB2.84% ($1k) 24-month Online CD Special See review
CommunityWide Federal Credit Union2.80% ($2k) 24-month Share CertificateEasy membership Account review
Citizens Access2.80% ($5k min) 2-year Online CDInternet Bank Account review
University Federal Credit Union2.77% (3.15% 60-month Fixed Jumbo CD closed after 2 years)Easy membership See review
SallieMae Bank2.70% ($2.5k) 24-month CDAccount review
USALLIANCE Financial2.60% ($500) 24-month CDEasy membership Account review
Consumers Credit Union2.60% ($100k) 22-month Jumbo CD SpecialEasy membership Account review
The Vanguard Group Brokered CD2.45% (APR) 2-year non-callable CDIssued by GSB, SMB*
Fidelity Brokered CD2.45% (APR) 2-year non-callable CDIssued by GSB, SMB*
Ally Bank2.39% (3.00% High Yield 5-Year CD closed after 2 years)See review

Noteworthy Local Deals - 2-Year CDs

Dort Federal Credit Union4.00% ($50k) 25-month Certificate 4 mid-Michigan counties See review
Ocean State Credit Union3.30% ($1k) 2-year CD SpecialEasy membership, but requires in-branch visit See review
Red Rocks Credit Union3.30% ($5k) 24-month CD SpecialEasy membership for Colorado residents See review
Jefferson Financial Credit Union3.26% ($10k) 24-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
Hudson Valley Federal Credit Union3.25% ($500) Flex 24 Certificate, add-on4 New York counties See review
Suncoast Credit Union3.25% ($100k) 24-month Jumbo CD39 Florida counties See review
Arsenal Credit Union3.25% ($500) 24-month CDSt. Louis metropolitan area (MO and IL) See review
Community Financial Services Bank3.19% ($1k) 29-month CD SpecialIN, IL, KY, MO, and TN See review
Kellogg Community Credit Union3.15% ($500) 29-month CD Special15 west Michigan counties See review
SimplyBank3.13% ($500) 21-month Quarterly CoDEastern Tennessee
BrightStar Credit Union3.10% ($500) 23-month Share CD23 Florida counties See review
ELGA Credit Union3.10% ($25k) 27-month CD Special6 Michigan counties See review
Teachers Credit Union3.09% ($1k) 25-month CD SpecialIndiana and 2 southwest Michigan counties See review
Sooper Credit Union3.00% ($500) 20-month CD Special Easy membership for Colorado residents See review
America First Credit Union3.00% ($500) 24-29 month Regular Certificate 11 Utah, 11 Nevada, 16 Idaho, 2 Arizona, and 1 Oregon counties See review
F&M Bank3.00% ($1k) 24-month My Choice CD7 middle Tennessee counties See review
Colonial Federal Savings Bank3.00% ($1k) 27-month CDNorfolk County, Massachusetts See review

3-Year CD Rates

State Bank of India (IL)3.14% ($2.5k) 3-year Senior Citizen CD
State Bank of India3.14% ($25k) 3-year Senior Citizen CD See review
Connexus Credit Union3.10% ($5k) 36-month Share CertificateEasy membership See review
GTE Financial3.09% ($100k) 36-month Promo Add-On Jumbo Share Certificate SpecialEasy membership See review
State Bank of India (IL)3.04% ($2.5k) 3-year CD
West End Bank3.00% ($500) 33-month CD Special Account review
First National Bank of America3.00% ($1k) 36-47 month CD
Comenity Direct3.00% ($1.5k) 3-year CDInternet bank Account review
WebBank3.00% ($2.5k) 3-year CD See review
Sun East Federal Credit Union3.00% ($99k) 36-month Jumbo CDEasy membership See review
Latino Credit Union3.00% ($200k) 36-month Jumbo CD Easy membership See review
M.Y. Safra Bank2.96% ($5k) 36-month Online Promo CD See review
First Internet Bank2.94% ($1k) 36-month CDInternet bank See review
Citizens Access2.90% ($5k) 36-month CDInternet bank Account review
University Federal Credit Union2.90% (3.15% 60-month Fixed Jumbo CD closed after 3 years)Easy membership See review
Ally Bank2.61% (3.00% High Yield 5-Year CD closed after 3 years)See review
Fidelity Brokered CD2.50% (APR) 3-year non-callable CDIssued by GSB, SMB*
The Vanguard Group Brokered CD2.50% (APR) 3-year non-callable CDIssued by GSB*

Noteworthy Local Deals - 3-Year CDs

Money One Federal Credit Union3.60% ($25) 3-year IRAPrince George's County, Maryland See review
Unitus Credit Union3.50% ($500) 36-month CDWashington State and 15 Oregon counties See review
AEA Federal Credit Union3.50% ($1k) 30-month CD Special, w/checkingLa Paz and Yuma Counties, AZ See review
EFCU Financial3.50% ($100k) 36-month Jumbo IRA9 Louisiana parishes See review
Jefferson Financial Credit Union3.40% ($100k) 36-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
BrightStar Credit Union3.35% ($500) 35-month Share CD23 Florida counties See review
American United Federal Credit Union3.35% (no Bump), 3.25% (Bump) ($500) 36-month Share CertificateSalt Lake and Tooele Counties, Utah See review
Atlantic Federal Credit Union3.35% ($500) 37-month CD SpecialEssex and Union Counties, NJ See review
Red Rocks Credit Union3.35% ($5k) 36-month CD SpecialEasy membership for Colorado residents See review
Navy Army Community Credit Union3.33% ($1k) 30-month CD8 South Texas counties See review
Neighbors Federal Credit Union3.30% ($1.5k) 36-month Share Certificate9 Louisiana parishes
AEA Federal Credit Union3.25% ($1k) 30-month CD SpecialLa Paz and Yuma Counties, AZ See review
Peoples Bank3.22% ($2.5k) 33-month CDPointe Coupee and East Baton Rouge Parishes, Louisiana See review
Bankers Trust Company3.20% ($1k, base rate) 36-month Anniversary CD PromotionIowa and Arizona See review
Verve, a Credit Union3.20% ($1k) 39-month Share Certificate Special21 Wisconsin and 2 Minnesota counties See review

4-Year CD Rates

State Department Federal Credit Union3.24% ($500) 48-month IRA CertificateEasy membership
State Bank of India3.24% ($25k) 4-year Senior Citizen CD See review
First National Bank of America3.20% ($1k) 48-59 month CD
Connexus Credit Union3.20% ($5k) 42-month Share CertificateRenewals only - Easy membership See review
GTE Financial3.20% ($100k) 48-month Promo Add-On Jumbo Share Certificate SpecialEasy membership See review
Main Street Bank (MI)3.15% ($500) 48-month CD See review
University Federal Credit Union3.14% ($100k) 48-month Fixed Jumbo CDEasy membership
Georgia Banking Company3.10% ($500) 4-year Certificate See review
Hanscom Federal Credit Union3.10% ($1k) 48-month CD SpecialEasy membership See review
Comenity Direct3.05% ($1.5k) 4-year CDInternet bank Account review
Latino Credit Union3.05% ($200k) 48-month Jumbo CD Easy membership See review
First Internet Bank3.04% ($1k) 48-month CDInternet bank See review
Home Savings Bank3.00% ($5k) 48-month Internet Only CDAccount review
University Federal Credit Union2.97% (3.15% 60-month Fixed Jumbo CD closed after 4 years)Easy membership See review
Ally Bank2.71% (3.00% High Yield 5-Year CD closed after 4 years)See review
Fidelity Brokered CD2.60% (APR) 4-year non-callable CDIssued by GSB*
The Vanguard Group Brokered CD2.60 (APR) 4-year non-callable CDIssued by GSB*

Noteworthy Local Deals - 4-Year CDs

EFCU Financial3.60% ($100k) 48-month IRA9 Louisiana parishes See review
EFCU Financial3.50% ($500) 48-month IRA9 Louisiana parishes See review
Frontwave Credit Union3.50% ($1k) 4-year Share Certificate Riverside, San Bernadino, and San Diego Counties, CA Account review
EFCU Financial3.50% ($100k) 48-month CD9 Louisiana parishes See review
Altura Credit Union3.50% ($1k) 50-month Share Certificate Riverside and San Diego Counties, portions of Orange and San Bernardino Counties
American United Federal Credit Union3.45% (no Bump), 3.35% (Bump) ($500) 48-month Share CertificateSalt Lake and Tooele Counties, Utah See review
EFCU Financial3.40% ($500) 48-month CD9 Louisiana parishes See review
Jefferson Financial Credit Union3.45% ($100k) 48-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
Community Financial Services Bank3.39% ($1k) 49-month CD SpecialIN, IL, KY, MO, and TN See review
University Federal Credit Union3.30% ($500) 48-month CDSalt Lake County, Utah See review
UNICO Bank3.30% ($1k) 48-month CD3 Missouri and 3 Arkansas counties See review
Neighbors Federal Credit Union3.30% ($1.5k) 48-month Share Certificate9 Louisiana parishes
Lewis Clark Union3.26% 48-month Share Certificate4 Idaho and 3 Washington counties See review
Dupaco Community Credit Union3.26% ($100k), 3.01% ($5k) 45-month Jumbo CD SpecialAll of Iowa, 4 Wisconsin and 5 Illinois counties See review
Hills Bank3.25% ($500) 47-month CD SpecialIowa See review
Bank of Utica3.25% ($500) 4-year to 5-year CD 3 upstate New York counties See review
P1FCU3.25% ($500) 48-month Share Certificate12 Idaho and 2 Washington counties See review
Colonial Federal Savings Bank3.25% ($1k) 4-year CDNorfolk County, Massachusetts See review
Wildfire Credit Union3.25% ($500), 49-month CD SpecialAll Michigan counties
Tech Credit Union3.20% ($100k) 50-month Jumbo Compound CD4 NW Indiana and 2 NE Illinois counties See review
Cross River Bank3.15% ($500) 48-month CDNew Jersey See review
Tech Credit Union3.07% 50-month Premium Compound CD4 NW Indiana and 2 NE Illinois counties See review

5-Year CD Rates

Connexus Credit Union3.40% ($5k) 60-month Share CertificateEasy membership See review
State Department Federal Credit Union3.39% ($500) 60-month IRA CertificateEasy membership
First National Bank of America3.35% ($1k) 60-month CD
State Bank of India (IL)3.34% ($2.5k) 5-year Senior Citizen CD
State Bank of India3.34% ($25k) 5-year Senior Citizen CD See review
GTE Financial3.30% ($100k) 60-month Promo Add-On Jumbo Share Certificate SpecialEasy membership See review
INOVA Federal Credit Union3.25% ($200) 5-year IRAEasy membership See review
Affinity Plus Federal Credit Union3.25% ($500) 60-month CD Easy membership
Main Street Bank3.25% ($500) 60-month CD
Superior Choice Credit Union3.25% ($10k) 5-year Share CertificateEasy membership See review
Georgia Banking Company3.20% ($500) 5-year Certificate Easy membership
Citizens State Bank (FL)3.20% ($1k) 60-month CD See review
Signature Federal Credit Union3.20% ($100k) 5-year Jumbo Share CertificateEasy membership
State Department Federal Credit Union3.19% ($500) 60-month CertificateEasy membership
Comenity Direct3.15% ($1.5k) 5-year CDInternet bank Account review
University Federal Credit Union3.15% ($100k) 60-month Fixed Jumbo CDEasy membership
Latino Credit Union3.15% ($200k) 60-month Jumbo CD Easy membership See review
Utah First Credit Union3.10% ($500) 60-month CDEasy membership
WebBank3.10% ($2.5k) 5-year CD See review
SallieMae Bank3.10% 60-month CDAccount review
Signature Federal Credit Union3.10% ($50k) 5-year Share CertificateEasy membership
Sun East Federal Credit Union3.10% ($99k) 60-month Jumbo CDEasy membership
First Internet Bank3.09% ($1k) 60-month CDInternet bank See review
Mountain America Credit Union3.06% ($500) 5-year CertificateEasy membership See review
Mountain America Credit Union3.06% ($100k max) 5-year Growth Certificate (unlimited additional deposit)Easy membership See review
GTE Financial3.04% ($500) 60-month Promo Add-On Share CertificateEasy membership See review
Michigan State University Federal Credit Union3.01% ($100k) 5-year Jumbo CDEasy membership See review
Capital One3.00% 60-month 360 CDInternet bank See review
Citizens Access3.00% ($5k) 5-year Online CDInternet bank See review
PurePoint Financial3.00% ($10k) 60-month Online CDInternet bank See review
Fidelity Brokered CD2.70% (APR) 5-year non-callable CDIssued by GSB*
The Vanguard Group Brokered CD2.70% (APR) 5-year non-callable CDIssued by GSB*

Noteworthy Local Deals - 5-Year CDs

Advantis Credit Union3.75% ($100k) 3.50% ($50k) 60-month CD (minimum $25k of new money)24 Oregon counties and all of Washington State See review
EFCU Financial3.70% ($100k) 60-month Jumbo IRA9 Louisiana parishes See review
Jefferson Financial Credit Union3.61% ($100k) 60-month Share Certificate6 Louisiana parishes and 6 Alabama counties See review
American United Federal Credit Union3.60% (no Bump), 3.50% (Bump) ($500) 60-month Share CertificateSalt Lake and Tooele Counties, Utah See review
University Federal Credit Union3.51% ($500) 60-month CDSalt Lake County, Utah See review
Bank of Utica3.50% ($500) 5-year CD 3 upstate New York counties See review
LAFCU3.50% ($10k) 60-month Jumbo Term Share CertificateAll Michigan counties See review
Pioneer Valley Credit Union3.50% ($25k) 3.25% ($1k) 60-month Share CertificateEasy membership for CT, MA, NH, NY, RI, VT See review
Suncoast Credit Union3.50% ($100k) 60-month Jumbo CD39 Florida counties See review
Glass City Federal Credit Union3.50% ($500) 60-month CD Special4 NW Ohio counties See review
UNICO Bank3.35% ($1k) 60-month CD3 Missouri and 3 Arkansas counties See review
Neighbors Federal Credit Union3.45% ($1.5k) 60-month Share Certificate9 Louisiana parishes
Lewis Clark Union3.35% 60-month Share Certificate4 Idaho and 3 Washington counties See review
P1FCU3.35% ($500) 60-month Share Certificate12 Idaho and 2 Washington counties See review
Shell Federal Credit Union3.35% ($50k), 3.30% ($500) 60-month Share CertificateHarris County, Texas See review
Texas Bay Credit Union3.30% ($1k) 60-month CertificateGreater Houston metro area See review
Enrichment Federal Credit Union3.30% ($2.5k) 59-month Share Certificate Special 8 Tennessee counties See review
The Harbor Bank of Maryland3.15% ($1k) 60-month CD SpecialDE, MD, NJ, PA, VA, WV, and DC See review
The Harbor Bank of Maryland3.15% ($1k) 60-month IRA SpecialDE, MD, NJ, PA, VA, WV, and DC See review
Texas Bay Credit Union3.09% ($50k) 60-month Jumbo CertificateGreater Houston metro area See review

Over 5-Year CD Rates

INOVA Federal Credit Union3.50% ($200) 6-year IRAEasy membership See review
Andrews Federal Credit Union3.45% ($1k) 84-month Share CertificateEasy membership See review
First National Bank of America3.40% ($1k) 84-month Time CD
Navy Federal Credit Union3.35% ($100k), 3.25% ($50k) 3.10% ($1k) 7-year CDMilitary relationship See review
Northrop Grumman Federal Credit Union3.32% ($40k) 84-month Bonus Term CDEasy membership See review
First National Bank of America3.30% ($1k) 72-month CD
Navy Federal Credit Union3.30% ($100k), 3.20% ($50k) 3.05% ($1k) 6-year CDMilitary relationship See review
INOVA Federal Credit Union3.25% ($200) 6-year CDEasy membership See review
Apple Federal Credit Union3.10% ($500) 120-month CD
M.Y. Safra Bank3.06% ($5k) 72-month Online Promo CD See review
Marcus by Goldman Sachs3.05% ($500) 6-year High Yield CD
KS StateBank3.05% ($500) 7-year CD See review
Fidelity Brokered CD2.95% (APR) 10-year non-callable CDIssued by GSB*
The Vanguard Group Brokered CD2.95% (APR) 10-year non-callable CDIssued by GSB*
Fidelity Brokered CD2.85% (APR) 7-year non-callable CDIssued by GSB*
The Vanguard Group Brokered CD2.85% (APR) 7-year non-callable CDIssued by GSB*

Noteworthy Local Deals - Over 5-year CDs

First Community Credit Union3.50% ($500) 72-month CD5 Missouri and 3 Illinois counties Account review
Eaton Federal Savings Bank3.39% ($500) 7-year CD5 Central Michigan counties
Signal Financial Credit Union3.35% ($500) 72-month Share Certificate Easy membership for residents of MD, VA, and DC See review
Selco Community Credit Union3.30% ($500) 7-year CD27 Oregon counties
Lebanon Federal Credit Union3.30% ($500) 66-month CD SpecialLebanon County, Pennsylvania
Gesa Credit Union3.25% ($500) 84-month CertificateWashington State Account review
Security Credit Union3.25% ($1k) 6-year Share CertificateMichigan
Security Service Federal Credit Union3.25% ($50k), 3.20% ($25k), 3.15% ($500) 7-year CDSelect areas in Texas, Colorado, and Utah
Fairfax County Credit Union3.05% ($2.5k) 72-month Share CertificateFairfax County, Virginia Account review

*BoC (Bank of China), BoH (Bank of Hope), BotW (Bank of the West), BUN (BankUnited), CNTB (Centennial Bank), DIME (Dime Community Bank),GSB (GS Bank), HWB (Hancock Whitney Bank), LBS&L (Luther Burbank Savings & Loan), NYCM (New York Community Bank), RTC (Rockland Trust Company), SBoI (State Bank of India), SBoIIL (State Bank of India IL), SMB (SallieMae Bank), SSB (Southside Bank), SYN (Synchrony Bank), TBK (TBK Bank SSB), TRMB (Triumph Bank)

CDs Removed Due To Low Rates Or Expired Specials

CDs Removed, No Longer Available - Nationwide

None

CDs Removed, No Longer Available - Local

Cyprus Credit Union3.05% ($1k) 13-month Special Rate CertificateEasy membership for Utah residents See review
Centric Bank3.00% ($25k) 25-36 month CD SpecialCumberland and Dauphin Counties, PA See review
Arbor Financial Credit Union3.65% ($250k), 3.40% ($100k) 34-month BOOST CertificateMichigan See review
Arbor Financial Credit Union3.40% ($250k), 3.15% ($100k) 34-month Certificate SpecialMichigan See review
Bank of Arizona3.30% ($100k), 3.25% (up to $100k) 7-year Fixed CDArizona

CDs Removed, Rate Too Low - National

VSECU2.00% ($500) 6-month CD Easy membership See review
First Bank and Trust2.53% ($1k) 13-month CD Special7 Louisiana parishes, Mississippi Gulf Coast, and Florida's Emerald Coast See review
Veridian Credit Union2.25% ($100k) 18-month Bump-Up Jumbo CDEasy membership Account review
Veridian Credit Union2.15% ($1k) 18-month Bump-Up CDEasy membership Account review
Veridian Credit Union2.65% ($100k) 41-month Bump Up Jumbo CD Special Easy membership See review
Veridian Credit Union2.55% ($1k) 41-month Bump Up CD Special Easy membershipSee review
Presidential Bank2.40% ($1k) 5-year CD See review

CDs Removed, Rate Too Low - Local

Midland States Bank2.88% ($2.5k) 30-month Special Rate CD23 Illinois and 3 Missouri counties See review
First Service Credit Union2.85% ($50k), 3.00% ($1k) 48-month CertificateFort Bank, Harris, and Waller Counties, Texas See review
Randolph-Brooks Credit Union2.99($1k) 84-month CDSan Antonio and Austin, TX, relationship to Randolph Air Force Base
Credit Human (formerly San Antonio Federal Credit Union)2.95% ($1k) 120-month Share CertificateSan Antonio, TX

Related Pages: money market accounts, 1-year CD rates, 5-year CD rates, IRA CD rates, nationwide deals, Internet banks
Comments
deplorable 1
deplorable 1   |     |   Comment #1
I'm sure glad I picked up a few good add-on CD's at higher rates while they were still available. I think I will be maxing out the NFCU 17 mo. 3.25% next. If nothing changes I may need to max out the MACU 3.51% "growth" CD's. Credit card funding of GTE 6 mo. CD's still remains the best deal if you have a 2-3% rewards card though.

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