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).
May 4, 2025
| Institution | APY? | MIN? | PERIOD | |
|---|---|---|---|---|
|
Goldman Sachs Bank
|
4.50%
4.15% 4.15% 3.90% |
$500
$0 $500 $500 |
14 months |
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|
|
Synchrony Bank
|
4.40% | $0 | 16 months |
Learn More
|
|
Early withdrawal penalty is 180 days' interest. |
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Brilliant Bank, a division of Equity Bank
|
4.40% | $1,000 | 3 months |
Learn More
|
|
Rate History: 4.60% → 4.40% |
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|
North American Savings Bank, F.S.B.
|
4.40% | $5,000 | 13 months |
Learn More
|
|
Rate History: 4.80% → 5.25% → 5.35% → 5.15% → 4.40% |
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|
Navy Federal Credit Union
Restrictions |
4.35% | $50 | 10 months |
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|
|
Brilliant Bank, a division of Equity Bank
|
4.35% | $1,000 | 15 months |
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|
|
Rate History: 4.85% → 4.35% |
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|
Flagstar Bank, National Association
|
4.25% | $500 | 7 months |
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|
|
Rate History: 5.50% → 5.15% → 4.50% → 4.40% → 4.25% |
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|
Flagstar Bank, National Association
|
4.25% | $500 | 13 months |
Learn More
|
|
Rate History: 4.35% → 4.25% → 4.10% → 4.10% → 4.25% |
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|
OneLocal Bank
|
4.25% | $2,500 | 7 months |
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|
|
Rate History: 4.75% → 5.15% → 4.00% → 3.85% → 4.25% |
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|
OneLocal Bank
|
4.25% | $10,000 | 5 months |
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|
|
Rate History: 5.30% → 5.05% → 4.90% → 4.65% → 4.25% |
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|
Rising Bank, a division of Midwest BankCentre
|
4.10% | $1,000 | 15 months |
Learn More
|
|
Rate History: 3.75% → 4.25% → 4.35% → 4.20% → 4.10% |
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|
Canadian Imperial Bank USA
|
4.06% | $1,000 | 13 months |
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|
|
Rate History: 4.43% → 4.21% → 4.11% → 4.36% → 4.06% |
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|
ConnectOne Bank
|
4.00% | $500 | 7 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
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|
Mercantile Bank
|
4.00% | $500 | 11 months |
Learn More
|
|
Rate History: 1.00% → 4.75% → 4.24% → 4.00% |
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|
ConnectOne Bank
|
4.00% | $500 | 11 months |
Learn More
|
|
Rate History: 4.85% → 4.60% → 3.75% → 3.50% → 4.00% |
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|
ConnectOne Bank
|
4.00% | $500 | 17 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
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|
Chesapeake Bank
|
4.00% | $1,000 | 13 months |
Learn More
|
|
Rate History: 4.75% → 5.10% → 4.50% → 4.00% |
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|
Citizens Bank, National Association
|
4.00% | $25,000 | 10 months |
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|
|
Rate History: 5.50% → 5.00% → 5.25% → 5.00% → 4.00% |
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|
Finworth, a division of InsBank
|
4.00% | $50,000 | 22 months |
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|
|
Rate History: 3.20% → 4.15% → 4.00% → 3.80% → 4.00% |
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|
First Central Savings Bank
|
3.95% | $500 | 14 months |
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|
|
Rate History: 1.00% → 4.15% → 3.95% |
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|
Clear Sky Accounts
|
3.85% | $1,000 | 7 months |
Learn More
|
|
Rate History: 5.00% → 4.75% → 4.35% → 3.85% |
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|
Ally Bank
|
3.75% | $0 | 11 months |
Learn More
|
|
Rate History: 4.35% → 4.25% → 4.15% → 4.00% → 3.75% |
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|
Mercantile Bank
|
3.75% | $500 | 25 months |
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|
|
Rate History: 1.00% → 3.25% → 4.00% → 43.75% → 3.75% |
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|
Blue Foundry Bank
|
3.75% | $1,000 | 12 months |
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|
|
Rate History: 4.00% → 4.50% → 4.00% → 3.75% |
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|
Atlantic Union Bank
|
3.75% | $1,000 | 13 months |
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|
|
Rate History: 1.00% → 5.00% → 4.75% → 3.75% |
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|
CIT Bank, a division of First-Citizens Bank and Trust
|
3.50% | $1,000 | 11 months |
Learn More
|
|
Account cannot be closed online. Requires reaching phone representative to close. |
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|
CIT Bank, a division of First-Citizens Bank and Trust
|
3.50% | $1,000 | 13 months |
Learn More
|
|
OneLocal Bank
|
3.50% | $1,000 | 13 months |
Learn More
|
|
Rate History: 4.65% → 5.25% → 4.75% → 3.50% |
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|
Norwood Bank
|
3.50% | $1,000 | 17 months |
Learn More
|
|
Rate History: 4.65% → 3.50% |
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|
Colorado Federal Savings Bank
|
3.50% | $5,000 | 11 months |
Learn More
|
|
11-Month No Penalty CD |
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|
CTBC Bank Corp. (USA)
|
3.50% | $5,000 | 12 months |
Learn More
|
|
Pentagon
Restrictions |
3.25% | $1,000 | 15 months |
Learn More
|
|
Rate History: 5.35% → 4.40% → 4.00% → 3.65% → 3.25% |
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|
Blue Foundry Bank
|
3.25% | $1,000 | 24 months |
Learn More
|
|
Rate History: 3.50% → 3.25% |
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|
First Hawaiian Bank
|
3.00% | $500 | 12 months |
Learn More
|
|
Rate History: 1.00% → 4.60% → 3.00% |
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|
ConnectOne Bank
|
3.00% | $500 | 23 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
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|
Blue Foundry Bank
|
3.00% | $1,000 | 36 months |
Learn More
|
|
Citizens Bank, National Association
|
2.75% | $1,000 | 14 months |
Learn More
|
|
Dollar Savings Direct, a division of Emigrant Bank
|
2.75% | $1,000 | 16 months |
Learn More
|
|
Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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|
Hingham Institution for Savings
|
1.70% | $1,000 | 13 months |
Learn More
|
|
Rate History: 1.85% → 1.70% |
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|
Hingham Institution for Savings
|
1.00% | $1,000 | 5 months |
Learn More
|
|
Bank of Montreal Harris
|
0.05% | $1,000 | 9 months |
Learn More
|
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.
