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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 20 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

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5 years
$500 minimum balance

APY

2.80%

At Goldman Sachs Bank USA, Member, FDIC

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NerdWallet rating

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2 years
$500 minimum balance

APY

2.55%

At Goldman Sachs Bank USA, Member, FDIC

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NerdWallet rating

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1 year
$500 minimum balance

APY

2.50%

At Goldman Sachs Bank USA, Member, FDIC

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NerdWallet rating

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2 years
$2500 minimum balance

APY

2.45%

At Discover, Member, FDIC

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NerdWallet rating

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1 year
$2500 minimum balance

APY

2.40%

At Discover, Member, FDIC

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How we rate banks and credit unions

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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.

*20x more interest based on the national average annual percentage yield ("APY") of 0.09% (as reported by the Federal Deposit Insurance Corporation as of January 21, 2019) as compared to online banks with interest-bearing savings account APYs of 2.20% or more. Interest rates and APY are subject to change and specific results cannot be guaranteed.

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