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Online CD Rates 2021 – Specials

Online banks occasionally offer special rates for Certificates of Deposit with unusual terms (non-standard lengths). The CDs are often worth looking at carefully. Banks may offer these special CDs for marketing purposes, believing, for example, that a 15-month CD or a 16-month CD is more likely to catch customers’ attention. In order to make these CDs attractive, banks also often price these CDs so that they have higher yields than even the highest yielding CDs of slightly longer lengths (i.e., 15 or 16-month CDs may be higher yielding than 18 month CDs).

April 14, 2021

Advertiser Disclosure
Institution APY? MIN? PERIOD
Home Loan Investment Bank, F.S.B.

0.80%

$1,000

30 months

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13-Month No Penalty CD

15-Month No Penalty CD

Navy Federal Credit Union
Restrictions

0.55%

$100,000

9 months

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Norwood Bank

0.50%

$2,500

7 months

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11-Month No Penalty CD

7-Month No Penalty CD

Early Withdrawal Penalty is all interest earned in the first 12 months.

11-Month No Penalty CD

Dollar Savings Direct, a division of Emigrant Bank

0.40%

$1,000

16 months

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11-Month No Penalty CD

Brio Direct, a division of Sterling National Bank

0.30%

$500

9 months

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My Savings Direct, a division of Emigrant Bank

0.30%

$1,000

30 months

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11-Month No Penalty CD

EBSB Direct

0.15%

$1,000

15 months

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11-Month No Penalty CD

Bank of Montreal Harris

0.10%

$5,000

9 months

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13-Month No Penalty CD

11m Liquid CD

PRODUCT INFORMATION

BestCashCow is the most comprehensive source of bank rate information. These special-term CDs are listed so that the site’s users may find the most appropriate deposit products for them. Users are also advised to compare these against comparable standard length CDs, using the tabs above, and to also compare these rates with those offered by banks and credit unions near you, also scrolling from the selection above.

According to the terms of a CD, a CD will ordinarily automatically renew at maturity for the same length at the bank’s prevailing rate if the customer does not provide notice within a notice period of their intent to redeem the CD. Special CDs renew for either a shorter or a longer term. BestCashCow therefore recommends that customers take note of the maturity dates of their CDs, and understand the renewal terms if they do not redeem them at maturity.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.