Best CD Rates, High Yield Certificate of Deposit Rates

The following is a list of the nationally available highest yields CD rates. In general, certificates of deposit (CDs) are great investments because your principal is protected by FDIC insurance and your interest rates are guaranteed. Moreover, you can use CD Ladder to make your CD savings more flexible and effective. You can open certificates of deposit at your local bank, but with a little more effort you can secure the best rates through online banks.

High Interest 1-year CD Rates

The most current highest yield CD rates are listed below. To get more information, you can follow the link to the bank website, or use the or icons.
Product: sort by:

Rate Search ResultsClick here for column definitions
Institutions
Date
APY
Minimum Deposit
Advertiser Comments


Morristown, NJ
09/18/141.10$25,000


Midvale, UT
09/18/141.00$0


Jacksonville, FL
09/18/140.60$1,500 
GE Capital Bank
Chicago, IL
09/18/141.10$500 
ableBanking, a division of Northeast Bank
Lewiston, ME
09/18/141.10$1,000 
Colorado Federal Savings Bank
Greenwood Village, CO
09/18/141.10$5,000 
Silvergate Bank
La Jolla, CA
09/18/141.08$25,000 
Nationwide Bank
Columbus, OH
09/18/141.07$500 
Pentagon Federal Credit Union
Alexandria, VA
09/18/141.06$1,000 
My e-BAnC by BAC Florida Bank
Coral Gables, FL
09/18/141.05$500 
iGObanking.com
Lake Success, NY
09/18/141.05$1,000 
Discover Bank
Riverwoods, IL
09/18/141.00$2,500 
The Palladian PrivateBank
Chicago, IL
09/18/141.00$10,000 
VirtualBank
Miami, FL
09/18/141.00$10,000 
Home Savings Bank
Salt Lake City, UT
09/18/141.00$10,000 
Doral Direct
Wilmington, DE
09/18/140.95$500 
TIAA Direct
Charlotte, NC
09/18/140.94$1,000 
E-LOAN
Pleasanton, CA
09/18/140.91$10,000 
AloStar Bank of Commerce
Birmingham, AL
09/18/140.90$1,000 
EH National Bank
Beverly Hills, CA
09/18/140.90$10,000 
First Internet Bank of Indiana
Indianapolis, IN
09/18/140.90$1,000 
Goldwater Bank
Scottsdale, AZ
09/18/140.85$5,000 
Barclays
Wilmington, DE
09/18/140.80$0 
Chartway Federal Credit Union
Virgina Beach, VA
09/18/140.75$10,000 
USAA
San Antonio, TX
09/18/140.71$1,000 
Lone Star Bank
Houston, TX
09/18/140.70$1,000 
Intervest National Bank
New York, NY
09/18/140.68$2,500 
TAB Bank
Ogden, UT
09/18/140.65$1,000 
giantbank.com
Ft. Lauderdale, FL
09/18/140.65$2,500 
NewDominion Bank
Charlotte, NC
09/18/140.60$1,000 
Salem Five
Salem, MA
09/16/140.80$10,000 
California First National Bank
Irvine, CA
09/15/140.99$5,000 
Pacific Mercantile Bank
Costa Mesa, CA
09/15/140.79$10,000 

Additional High Interest CDs

The following information was last reviewed and updated on April 17, 2013. Rates and conditions change constantly, so please review the information at the bank’s website carefully before you open an account. All banks are FDIC insured.

Bank APY Review

1.60% Discover Bank Certificate of Deposit offers rates between 0.40% APY for a 3-month term up to 1.60% APY for a 5-year term. 7-year and 10-year terms are also available.

About the Author

By , on Apr 12, 2013
Pinyo
Pinyo is the owner of Moolanomy Personal Finance. He is a licensed Realtor specializing in residential homes in the Northern Virginia area. Over the past 20 years, Pinyo have enjoyed a diverse career as an investor, entrepreneur, business executive, educator, and financial literacy author.

Best Bank Rates

Leave Your Comment (8 Comments)

  1. Karyn S says:

    The rates have been going higher since the last time I saw. I’ve wanted to have a CD account for awhile but the rates weren’t satisfactory for my taste. Probably will wait a little while until I make one since it seems the rates are going up.

  2. Kenny Duval says:

    It seems that only the long term CD’s have much of a return rate at the moment. It’s unfortunate, but I would only invest in long term CD’s until the rates go up. There are a few gems worth checking out, as well as ING DIRECT.

  3. Cindy S says:

    I use to have have 2 CD’s & once I stopped getting over 5% interest on them I cash them out & paid off my mortgage that was 4.75%. It worked out well for me. I enjoy having no mortgage. This freed up cash so that I could buy a new car.

  4. Griff says:

    Good to know. I’ve been thinking about a CD lately. Not sure if I’m a big fan of the CD route… Still thinking.

  5. Daddy Paul says:

    Too many buy CD’s when they would be better served by a short term bond fund.

  6. Bernz says:

    I agree with you 100%. If you have debts, pay it off first. There’s no sense putting your hard-earned money into CD’s at 3% rate of return when you have debts charging you 8-15% interest.

  7. Those CD rates are so disappointing. It’s better to pay off any high interest debt with some of the money, them start automatically saving money each month. I think.

  8. Mike Pastore says:

    I think opening a CD even with a small amount is okay as long as the bank you transact with is legitimate. A small amount when saved and added up will always become big savings if handled by a trustworthy individual/company.

Leave a Reply

Your email address will not be published. Required fields are marked *

*

Disclaimer

The information on this site is strictly the author's opinion. It does NOT constitute financial, legal, or other advice of any kind. You should consult with a certified adviser for advice to your specific circumstances.

While we try to ensure that the information on this site is accurate at the time of publication, information about third party products and services do change without notice. Please visit the official site for up-to-date information.

For additional information, please review our legal disclaimers and privacy policy.

Notice

Moolanomy has affiliate relationships with some companies ("advertisers") and may be compensated if consumers choose to buy or subscribe to a product or service via our links. Our content is not provided or commissioned by our advertisers. Opinions expressed here are author's alone, not those of our advertisers, and have not been reviewed, approved or otherwise endorsed by our advertisers.