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Standout CD rates

CDs are an excellent way to earn money for doing virtually nothing. They often pay more in interest than your average savings account - sometimes as much as 10 times* more. And thankfully, it only takes minutes to find the best one for you. Check out the offers from our partners and start earning more interest today

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CD rates hinge on a few basic inputs, so be sure to enter your info below.
Deposit amount

Length of CD

NerdWallet Rating

Bank

Terms

APY

CTA

NerdWallet rating

View Details

1 year
$0 minimum balance

APY

1.30%

At Capital One, Member FDIC

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NerdWallet rating

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1 year
$500 minimum balance

APY

1.30%

At Marcus by Goldman Sachs, Member FDIC

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NerdWallet rating

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16 months
$0 minimum balance

APY

2.00%

At Synchrony Bank, Member FDIC

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NerdWallet rating

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2 years
$500 minimum balance

APY

2.00%

At Marcus by Goldman Sachs, Member FDIC

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NerdWallet rating

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5 years
$0 minimum balance

APY

2.25%

At Capital One, Member FDIC

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View all CDs

Want to earn a high APY on your savings?

High-yield savings accounts offer you instant access to your cash whenever you want, while offering massive APYs. To make the search easier, we created this shortlist of standout picks from our partners. Check out the offers, from our partners, and start earning interest today.
Bank
APY
Monthly Fee
Details
Marcus by Goldman Sachs Online Savings Account's logo
NerdWallet rating 

at Marcus by Goldman Sachs, Member FDIC

0.70%

With $0 minimum balance

$0

Pros
  • Access to customer service 7 days/week
  • No monthly fees
  • Same-day transfers up to $100,000*
American Express® High Yield Savings Account's logo
NerdWallet rating 

at American Express National Bank, Member FDIC

0.60%

With $1 minimum balance

$0

Pros
  • Customer service available 24/7
  • $0 minimum balance
  • No monthly fees
Cons
  • No checking account, mobile app or ATM cards
  • No branches

Want an Online Broker For Stock Trading?

With features like $0 commission fees, comprehensive investing tools, easy-to-access research and more, these brokers offer something for every investor — from beginners to seasoned traders. And to help you find the one that’s right for you, we’ve highlighted their pros, cons and current offers.

Broker

Highlights

Commissions

Account Minimum

Current Offers

Start Investing

NerdWallet rating

Show Details

Breadth of research; strong educational offerings

Commissions

$0

per trade

Current Offers

Up to $600

when you invest in a new Merrill Edge® Self-Directed account.

on Merrill Edge's website

Show Details

NerdWallet rating

Show Details

No commissions; free and robust research

Commissions

$0

per trade for online U.S. stocks and ETFs

Current Offers

Get $100

when you open a new, eligible Fidelity account with $50 or more. Use code FIDELITY100. Limited time offer. Terms apply.

on Fidelity's website

Show Details

Why online banks dominate the list

The most important factor for virtually every CD-shopper is the APY. And, as it happens, online banks are offering massive APYs — as much as 10x the average APY* — plus, they also offer rock-bottom maintenance fees.
*10x more interest based on the national average annual percentage yield ("APY") of 0.04% (as reported by the Federal Deposit Insurance Corporation as of August 1, 2021) as compared to online banks with interest-bearing account APYs of 0.50% or more. Estimated annual earnings result assumes principal and interest remain on deposit for one year and interest rates and APY do not change. Estimated annual earnings are for informational purposes only. Interest rates and APY are subject to change and specific results cannot be guaranteed.
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At NerdWallet, we offer straightforward advice and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.