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 40 times more. And thankfully, it only takes minutes to find the best one for you. Check out the offers, some of which are 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.

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Length of CD

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NerdWallet rating

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1 year
$500 minimum balance



At Goldman Sachs Bank USA, Member, FDIC

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How we rate banks and credit unions

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Want a high APY and access to your savings?

A cash management account, or CMA, is a cash account that combines services and features that are similar to checking, savings and/or investment accounts under one product. If you want instant access to your money, a CMA might be the better option than a CD.

BankAPYMonthly FeeDetails
Wealthfront Cash Account's logo

at Wealthfront


With $1 minimum balance



  • Offers up to $1 million in FDIC coverage through affiliated partner banks
  • Can pair with Wealthfront investment account to keep money under one roof
  • Stellar interest rate, competitive with online banks
  • No fees


  • No branches
  • No mobile check deposit currently
SoFI Money®'s logo

at SoFi


With $0 minimum balance



  • Unlimited ATM fee reimbursements
  • No monthly fees
  • No overdraft fees


  • No branches or CDs
  • No cash deposits accepted

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 the ones offering highly-competitive APYs and rock-bottom maintenance fees.

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