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Online CD Rates 2024 – 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).

May 24, 2024

Institution APY? MIN? PERIOD

5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.

Canadian Imperial Bank USA
5.36% $25,000 13 months Learn More

Special Easy Start Certificate only applies to a maximum deposit of $3,000.
Rate History: 5.30% → 4.95% → 5.30%

Rate History: 5.75% → 5.60% → 5.45% → 5.30%

Gateway First Bank
5.25% $500 7 months Learn More

Rate History: 5.23% → 5.35% → 4.90% → 4.80% → 5.25%

Early Withdrawal Penalty is 8 months interest.
Rate History: 5.25% → 5.60% → 5.50% → 5.35% → 5.25%

Rate History: 4.90% → 5.40% → 4.90% → 5.40% → 5.15%

Rate History: 5.00% → 4.88% → 5.00% → 4.90% → 5.15%

Brilliant Bank, a division of Equity Bank
5.10% $1,000 3 months Learn More

6 Month CD.

Rate History: 5.30% → 5.05%

Gateway First Bank
5.00% $500 13 months Learn More
Goldman Sachs Bank
5.00%
4.70%
4.40%
$500
$500
$500
14 months Learn More
Rising Bank, a division of Midwest BankCentre
5.00% $1,000 15 months Learn More
Salem Five Direct
5.00% $10,000 6 months Learn More

Rate History: 5.50% → 5.00%

Account cannot be closed online. Requires reaching phone representative to close.

Rate History: 4.90% → 5.10% → 5.25% → 4.90% → 4.80%

Rate History: 5.25% → 4.50% → 4.80%

Early withdrawal penalty is 180 days interest.
Rate History: 4.50% → 5.00% → 4.75%

Rate History: 1.00% → 5.00% → 4.75%

Rate History: 4.65% → 5.25% → 4.75%

Rate History: 4.25% → 5.25% → 4.75%

CIT Bank, a division of First-Citizens Bank and Trust
4.65% $1,000 13 months Learn More

Rate History: 1.00% → 4.60%

Early withdrawal penalty is 180 days interest.
Rate History: 3.60% → 4.50%

Rate History: 4.00% → 4.50%

Rate History: 5.25% → 4.50%

Rate History: 5.35% → 4.40%

Rate History: 5.35% → 5.00% → 4.30%

CTBC Bank Corp. (USA)
4.30% $5,000 12 months Learn More

Rate History: 4.50% → 4.35% → 4.25% → 4.15% → 4.00%

Early withdrawal penalty is 180 days interest.

Rate History: 3.53% → 3.56%

Rate History: 5.00% → 5.00% → 3.50%

Rate History: 4.65% → 3.50%

11-Month No Penalty CD

Rate History: 1.00% → 3.25%

Citizens Bank, National Association
2.75% $1,000 14 months Learn More

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.