CDs and Annuities
A consumer Certificate of Deposit (CD) is a type of savings account offered by banks and credit unions that guarantees a fixed interest rate for funds left untouched for a specified period of time. CDs can be superior to traditional savings accounts since they tend to offer higher interest rates. But there’s a lot to know—and to consider—before opening one of your own.
If you’re interested in a consumer CD but aren’t quite sure where to begin, we’ve got you covered. From our curated lists of the best CDs available, to our side-by-side comparisons of all the most popular picks, plus comprehensive reviews and helpful buying guides, we’ve got everything you need to make an informed and confident decision about the right consumer CD for you.
Best Consumer CDs
Discover the best consumer CD options available to you with our helpful list of all the top picks. Our experts spent many hours identifying the most important considerations—like interest rates and annual percentage yields (APYs), minimum deposits and terms, penalties for early withdrawal and more—then finding the options that check all the boxes.
Earn Up To 3.50% APY + $1K
- Earn up to 3.50% on a 4 month term
- High yield CD with excellent rates
- No monthly maintenance fees
- $1 minimum deposit
- 24/7 online access
Earn Up To 3.50% APY + $1K
Earn Up To 3.50% APY + $1K
- Earn up to 3.50% on a 4 month term
- High yield CD with excellent rates
- No monthly maintenance fees
- $1 minimum deposit
- 24/7 online access
Earn Up To 3.50% APY + $1K
Earn Up To 3.90% APY
- Earn up to 3.90% APY
- High yield CD & various terms available
- Choose the term that works best
- Low $1K minimum opening deposit
- Jumbo certificates available
Earn Up To 3.90% APY
Earn Up To 3.65% APY
- Earn up to 3.65% APY on a 3-month term
- High yield CD option & FDIC insured
- No maintenance fees
- $1 minimum deposit
- 24/7 online access to funds
Earn Up To 3.65% APY
