Online CD Rates 2019 – 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).

October 20, 2019

Advertiser Disclosure
Institution APY? MIN? PERIOD
Warning: This special term CD carries an early withdrawal penalty of 180 days interest, whereas the bank's 12-month CD is only very slight lower and has an early withdrawal penalty of 90 days interest.
Navy Federal Credit Union
2.25% $100,000 9 months
7-Month No Penalty CD
Bank5 Connect
2.05% $500 21 months
11-Month No Penalty CD
11-Month No Penalty CD
11-Month No Penalty CD
Dollar Savings Direct, a division of Emigrant Bank
1.90% $1,000 16 months
13-Month No Penalty CD
EBSB Direct
1.87% $1,000 15 months
13-Month No Penalty CD
Early Withdrawal Penalty is all interest earned in the first 12 months.
My Savings Direct
1.30% $1,000 30 months


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; 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.


Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates