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Certificate of deposit rates
Lock in APYs from 6 months to 5 years — April 2026 editorial benchmarks
| Product | APY | Min Balance | Monthly Fee | Signup Bonus | Rating | Actions |
|---|---|---|---|---|---|---|
 Openbank Openbank 12-Month CD Editor's Choice | 4.45% | $0 | $0 | — | 4.5 | |
 Peak Bank Peak Bank 12-Month CD | 4.42% | $0 | $0 | — | 4.4 | |
 CIT Bank CIT Bank 13-Month CD | 4.40% | $1K | $0 | — | 4.4 | |
 Vio Bank Vio Bank 12-Month CD | 4.38% | $500 | $0 | — | 4.4 | |
Marcus by Goldman Sachs Marcus 12-Month CD | 4.35% | $500 | $0 | — | 4.5 | |
 Discover Bank Discover 12-Month CD | 4.30% | $2,500 | $0 | — | 4.4 | |
 Synchrony Bank Synchrony 18-Month CD | 4.28% | $0 | $0 | — | 4.3 | |
 Bread Savings Bread Savings 12-Month CD | 4.28% | $1,500 | $0 | — | 4.2 | |
 Capital One Capital One 360 12-Month CD | 4.25% | $0 | $0 | — | 4.3 | |
 LendingClub Bank LendingClub 12-Month CD | 4.24% | $2,500 | $0 | — | 4.2 | |
American Express National Bank American Express 12-Month CD | 4.22% | $0 | $0 | — | 4.3 | |
 Barclays Barclays 24-Month CD | 4.20% | $0 | $0 | — | 4.2 | |
EverBank EverBank 9-Month CD | 4.18% | $0 | $0 | — | 4.2 | |
 Ally Bank Ally Bank 6-Month CD | 4.15% | $0 | $0 | — | 4.3 | |
FNBO FNBO 60-Month CD | 4.10% | $500 | $0 | — | 4.0 |