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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 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.

Deposit amount

Length of CD

Zip code

NerdWallet Rating

Bank

Terms

APY

CTA

NerdWallet rating

View Details

1 year
$500 minimum balance

APY

2.25%

At Goldman Sachs Bank USA, Member, FDIC

View Details

How we rate banks and credit unions

View all CDs

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's logo

at Wealthfront

2.07%

With $1 minimum balance

$0

Pros

  • 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

Cons

  • No branches
  • No mobile check deposit currently
SoFi's logo

at SoFi

1.80%

With $0 minimum balance

$0

Pros

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

Cons

  • 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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