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RateFinder

Make more of your savings

Find a better CD rate for your savings.

Explore CD options by deposit amount and term, so you can weigh the return alongside access to your money.

  • Choose your deposit amount
  • Explore terms from 3 months to 5 years
  • Keep access to your money in mind
Get CD RatesExplore CD terms

New to CDs? Start with CD terms explained or the FDIC coverage guide.

No account numbers or payment details required.

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Plan with clarity

A CD trades access to your money for a set rate over a set time. Know the trade-off first.

What to compare

Four details that shape every CD

APY

Annual percentage yield reflects the rate plus compounding over a year. Compare APY, not just the headline rate, and check whether it is fixed for the full term.

Term length

Terms commonly range from a few months to five years or more. Longer terms may pay differently, but tie up your money for longer.

Minimum deposit

Some CDs open with any amount; others require a set minimum. Make sure the minimum suits the money you actually plan to set aside.

Early withdrawal

Taking money out before maturity usually means a penalty, often a set number of months' interest. Read the exact terms before you commit.

Deposit coverage

CDs at insured institutions are protected

Deposit insurance from the FDIC (banks) or NCUA (credit unions) applies to eligible deposits held at an insured institution, up to applicable limits per depositor, per institution, per ownership category.

You can confirm any institution's insurance status yourself using the FDIC BankFind tool or the NCUA credit union locator — a quick check worth making before you open a CD.

Your next CD starts with a clear plan

  1. 01

    Choose your deposit amount

    Select the savings range you have in mind.

  2. 02

    Set your preferred term

    Balance the potential return with when you may need your money.

  3. 03

    Review your rate enquiry

    Keep your preferences editable. An enquiry does not open an account.

More about how Rate Finder works

Get CD Rates

Start with your deposit amount, preferred term and timing.

Step 1 of 2 · Your plans

Find your CD options

Choose your deposit amount, term and timing.

Questions