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Best CD Rates

Save and grow your money without incurring risk. If you want your money to work a little harder but aren't sure about investing in stocks or bonds, look into a Certificate of Deposit (CD).
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5.35%* fixed rate for your savings—start with just $1,000.

  • Earn 5.35%* APY on balances under $100,000
  • Earn 5.60%* APY on balances $100,000 and greater
  • Reliable Returns & Hassle-Free Enrollment
  • Withdraw up to 10% annually, penalty-free*

* Rate as of 09/15/2025

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Earn up to 3.85% with Discover®️ CDs

Earn up to 3.85% with Discover®️ CDs

  • Term: 12 months & 18 months
  • No minimum deposit required. 
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Earn 3.80% with Barclays' CD

Earn 3.80% with Barclays' CD

  • Interest compounds daily
  • 3.80% for a 9-month term
  • No minimum deposit required
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3.50 % APY* 4-Month CD

  • New Customers can earn up to $1,000 with code EASY.
  • $1 minimum deposit. 24/7 online access.
  • FDIC Insured.

* Rate as of 09/25/2025

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Earn 3.35% APY* with CIT's No-Penalty CD

Earn 3.35% APY* with CIT's No-Penalty CD

  • Term: 11 months
  • Min. deposit required: $1,000

* APY as of 9/23/2025

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Earn 3.75% with Bread's CD

Earn 3.75% with Bread's CD

  • Term: 12 months
  • Min. deposit required: $1,500

Partner Disclaimers & Disclosures:

CIT Bank:
11 Month No Penalty CD:
1APY — Annual Percentage Yield is accurate as of September 23, 2025. With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.

13-Month CD:
1APY — Annual Percentage Yield is accurate as of September 23, 2025. $1,000 minimum deposit is required to open the account. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings. Upon maturity, the 13-Month CD will be automatically renewed as a 1-Year Term CD at the then-published APY.


Synchrony Bank:
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
 

Gainbridge® FastBreak™ CDs:

¹ Annuity rates are subject to change at any time, and the rate mentioned may no longer be current. Current rate as of 09/15/2025 for a 5-10 year investment term. Rates subject to change.

Please visit Gainbridge.io for current rates, full product disclosures, and other important information. Products and/or features may not be available in all states. All guarantees based on the financial strength and claims paying ability of the issuing insurance company.

*Withdrawals above the 10 percent free withdrawal amount are subject to a withdrawal charge and market value adjustment and if under age 59 ½ may be subject to an IRS early withdrawal tax penalty (FastBreak™ is not subject to this penalty). FastBreak™ annuities are issued by Gainbridge Life Insurance Company in Zionsville, Indiana.

FastBreak™ is not a tax-deferred annuity; instead you are taxed annually on earned interest.