Finder makes money from featured partners, but editorial opinions are our own.
Advertiser disclosure
You asked, we delivered: Your results are in! 🚀
Discover the options we’ve selected for you based on your answers. Narrow down top CDs by opening deposits, APYs and popular terms. For an even closer comparison, tick the Compare box on up to four options to see features side by side.
1 - 3 of 16
What is the Finder Score?
The Finder Score analyzes hundreds of CDs from more than 100 institutions. It takes into account the product's interest rate for available terms and opening deposit requirements - this gives you a simple score out of 10.
Different banks and credit unions offer CDs for various lengths of time, ranging from as short as seven days to as long as 20 years. For our ratings, we consider the term lengths that the FDIC uses in its monthly updates on national rates.
If a bank or credit union doesn’t offer a CD for a specific term used by the FDIC, we don’t penalize it: Instead, we simply don’t rate it. Each of the standard term lengths has its own APY rating based on the FDIC’s average rates.
Not sure yet?
Check out some of the top CDs on the market for more options or try the quiz again to find your match.
More resources on Finder
More guides on Finder
-
What Happens When a CD Matures? 3 Places to Put Your Money
At CD maturity, you can roll over your money into a new CD or cash it out and move your money to a checking, savings or investing account.
-
Certificates of deposit: What is it and how it works
Compare, choose and apply for a certificate of deposit on finder.com. Competitive interest rates from leading financial institutions in the US.
-
7 Best CD rates in Texas in December 2024
The highest CD rates in Texas are from Ciera Bank, Quontic Bank, Susser Bank, Ally Bank and more. See the full list here.
-
6 Best CD Rates in Florida in December 2024
Some of the highest CD rates in Florida are from Quontic Bank, Bethpage Federal Credit Union, First Internet Bank and more. See the full list here.
-
7 Best CD Rates in Michigan in December 2024
Some of the highest CD rates in Michigan are from Flagstar Bank, Quontic Bank, First Internet Bank, Ally Bank and more. See our full list here.
-
Best no-penalty CD rates of 2024
Savings rates are dropping, but you can lock in a high-APY CD without penalties for early withdrawal. Sallie Mae and Marcus CDs top our list.
-
10 best CD rates today for 2024
Finding the best CD rate is vital to ensuring that your savings balance grows to the maximum amount possible in the shortest time.
-
Sallie Mae CD rates: Lower your opening deposit with Raisin
Raisin’s Sallie Mae CDs offer a big APY for a small opening deposit.
-
History of CD interest rates: 2009 – Now
See what the average interest rate was in the US for 3-month, 60-month, 1-year, 3-year and 5-year CDs since 2009 and learn how the economy affects rates.
-
Money Market vs. CD: Which Is Better?
Money market accounts offer easy access to your money, while CDs lock your savings away for a set time and often have higher interest rates.
Ask a question