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CD Rates

If you’re looking for more interest than most savings accounts can provide and you don’t expect to need your savings soon, a certificate of deposit (CD) may be right for you. With these accounts, you lock up your funds for a specified period in exchange for a higher yield. You can access your funds once your account reaches its maturity date, but withdrawals before that point will likely trigger a penalty of several months in interest or more.

Rates for 2 Year CD as of September 28, 2022

Account Type
CD MMA Savings + MMA

Term
1 month 2 months 3 months 6 months 9 months 1 year 1.5 years 2 years 2.5 years 3 years 4 years 5 years 7 years

Amount
< $5,000 $5,000 to $9,999 $10,000 to $14,999 $15,000 to $24,999 $25,000 to $49,999 $50,000 to $99,999 $100,000+ (Jumbo) < $5,000 $5,000 to $9,999 $10,000 to $24,999 $25,000 to $49,999 $50,000 to $99,999 $100,000+ (Jumbo)

Sponsored

Marcus by Goldman Sachs

Start Saving

1 year Term
$500.00 Min. to earn APY

3.00%APY* Annual Percentage Yield

Rates as of 9/27/2022
FDIC Insured

Advertiser Comments

• $500 minimum deposit 
• 24/7 online account access
• APY = Annual Percentage Yield

 

American Express National Bank

Start Saving

1 year Term
$1.00 Min. to earn APY

2.50%APY* Annual Percentage Yield

Rates as of 9/27/2022
FDIC Insured

Advertiser Comments

• FDIC Insured
• No fees/minimum balance
• 24/7 Access. Terms apply

 

CIT Bank

Start Saving

11 months Term
$1000.00 Min. to earn APY

2.50%APY* Annual Percentage Yield

Rates as of 9/27/2022
FDIC Insured

Advertiser Comments

• No penalty to access funds if needed before maturity
• No opening or maintenance fees
• Daily compounding interest to maximize your earning potential

 

Sallie Mae

Start Saving

14 months Term
$1.00 Min. to earn APY

3.05%APY* Annual Percentage Yield

Rates as of 9/27/2022
FDIC Insured

Advertiser Comments

• No penalty fees on withdrawals.
• FDIC insured. No fees. $1 minimum deposit.
• 24/7 online access to funds

 

Discover Bank

Start Saving

1 year Term
$2500.00 Min. to earn APY

3.00%APY* Annual Percentage Yield

Rates as of 9/27/2022
FDIC Insured

Advertiser Comments

• Live 100% US-Based Support 24/7.
• No Fees. Period.
• Open an Account in 3 Easy Steps.

 

Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).
Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.

Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield). Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author's alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program. To learn more about our approach to content and product assessments, visit our About Us page to see our Editorial Policy and Product Assessment Methodology. UGC Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.