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You are viewing rates from banks across Illinois
Below are the best one-year CD Rates from banks in Illinois. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.
IL - December 14, 2024
1 Year CD National Average : 0.55% ?
Banks | APY | MIN | MILES ? | |
---|---|---|---|---|
5.65% |
$5,000 |
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Rate History: 5.05% → 5.80% → 5.65% |
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4.50% |
$2,500 |
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grudge | Aug 21, 2019 this bank does not honor rates they publish.. stay away Read More |
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4.50% |
$1,000 |
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Rate History: 4.85% → 5.15% → 5.05% → 4.50% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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4.38% |
$2,500 |
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Rate History: 5.01% → 4.59% → 4.40% → 5.06% → 4.38% |
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4.35% |
$500 |
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Rate History: 4.65% → 4.55% → 4.45% → 4.35% |
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4.35% |
$25,000 |
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Warning: Early Withdrawal Penalty is 2% of the account balance.
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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4.34% |
$1,000 |
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4.30% |
$1,000 |
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Early Withdrawal Penalty is 180 days interest.
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Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
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4.25% 3.95% |
$100,000 $500 |
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Rate History: 4.00% → 5.00% → 4.50% → 4.25% |
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4.25% |
$2,500 |
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|
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Rate History: 5.40% → 5.25% → 4.85% → 4.60% → 4.25% |
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james | Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More |
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4.25% |
$5,000 |
- |
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|
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Rate History: 4.50% → 4.25% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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4.25% |
$1,000 |
- |
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|
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Early Withdrawal Penalty is 90 days interest.
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smithy1968 | Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More |
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4.20% |
$1,000 |
- |
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|
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Early Withdrawal Penalty is 90 days interest.
|
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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4.20% 0.30% |
$250,000 $1,000 |
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Rate History: 4.60% → 4.70% → 4.65% → 4.50% → 4.20% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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4.06% |
$1,000 |
- |
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Rate History: 4.42% → 4.21% → 4.06% |
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4.00% |
$0 |
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|
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Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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4.00% |
$500 |
- |
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|
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Rate History: 4.18% → 4.75% → 4.60% → 4.05% → 4.00% |
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4.00% |
$1,000 |
- |
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|
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Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More |
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3.75% 0.05% |
$10,000 $10,001 |
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Rate History: 5.00% → 4.00% → 4.50% → 4.00% → 3.75% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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3.75% |
$1,000 |
- |
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|
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Rate History: 4.00% → 4.50% → 4.00% → 3.75% |
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3.54% |
$1,000 |
- |
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Rate History: 3.85% → 3.64% → 3.54% |
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3.51% |
$100,000 |
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|
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Rate History: 0.03% → 3.75% → 4.25% → 3.75% → 3.51% |
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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3.30% |
$1,000 |
- |
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|
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Rate History: 4.80% → 4.70% → 3.75% → 3.30% |
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3.30% 0.01% |
$5,000 $500 |
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|
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Rate History: 4.70% → 4.00% → 4.30% → 3.30% |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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3.25% 3.00% |
$100,000 $10,000 |
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|
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Rate History: 3.00% → 2.00% → 3.50% → 3.25% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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3.25% 2.75% |
$100,000 $25,000 |
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|
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Rate History: 2.00% → 1.50% → 3.25% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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3.02% |
$0 |
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Rate History: 2.02% → 2.52% → 3.02% |
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2.75% |
$500 |
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Rate History: 1.70% → 3.00% → 2.75% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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2.75% |
$1,000 |
- |
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|
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Rate History: 2.50% → 2.75% |
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RS | Feb 2, 2021 This bank's site shows the 15 mo rate at .45% Read More |
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2.66% 2.60% |
$100,000 $0 |
- |
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|
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Rate History: 2.87% → 2.66% |
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2.50% |
$0 |
- |
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|
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Rate History: 4.00% → 2.75% → 2.00% → 4.00% → 2.50% |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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2.41% |
$10,000 |
- |
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2.05% |
$1,000 |
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Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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2.00% |
$1,000 |
- |
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|
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Rate History: 0.05% → 2.00% → 4.65% → 2.00% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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2.00% |
$1,000 |
- |
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|
|
Mandy | May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More |
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1.65% |
$1,000 |
- |
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1.00% |
$500 |
- |
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|
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1.00% |
$1,000 |
- |
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|
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Rate History: 3.50% → 1.00% |
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1.00% |
$1,500 |
- |
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|
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Rate History: 0.10% → 1.00% |
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1.00% |
$1,000 |
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1.00% |
$1,000 |
- |
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|
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Rate History: 2.02% → 2,500.00% → 4.42% → 2.27% → 1.00% |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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|
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Al | Sep 26, 2016 I think the specials have ended. can you double check? Read More |
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0.90% |
$100,000 |
- |
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0.90% |
$10,000 |
- |
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|
0.85% |
$100,000 |
- |
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0.85% |
$10,000 |
- |
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0.80% |
$100,000 |
- |
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|
0.80% |
$1,000 |
- |
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0.80% |
$100,000 |
- |
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0.80% |
$100,000 |
- |
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0.80% |
$50,000 |
- |
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|
0.80% |
$1,000 |
- |
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0.75% |
$10,000 |
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0.75% |
$1,000 |
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0.75% |
$10,000 |
- |
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0.75% |
$100,000 |
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0.75% |
$100,000 |
- |
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0.75% |
$1,000 |
- |
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0.72% |
$10,000 |
- |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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0.70% |
$10,000 |
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|
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JoAnna Toth | Aug 31, 2021 Community Partners Savings Bank aka Marion County Savings are dishonest, incompetent, deceitful and they break the FCRA laws. They lie and trick you to get as much money as they can out of you, greedy for ... Read More |
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0.70% |
$100,000 |
- |
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0.70% |
$10,000 |
- |
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0.70% |
$10,000 |
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0.65% |
$100,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$500 |
- |
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0.65% |
$100,000 |
- |
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0.65% |
$10,000 |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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|
|
Ed | Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More |
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0.65% |
$100,000 |
- |
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0.65% |
$100,000 |
- |
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0.65% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$1,000 |
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0.60% |
$10,000 |
- |
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0.60% |
$1,000 |
- |
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0.60% |
$100,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
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0.60% |
$10,000 |
- |
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JoAnna Toth | Aug 31, 2021 Community Partners Savings Bank aka Marion County Savings are dishonest, incompetent, deceitful and they break the FCRA laws. They lie and trick you to get as much money as they can out of you, greedy for ... Read More |
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0.60% |
$1,000 |
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0.57% |
$500 |
- |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$1,000 |
- |
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John & Sheryl OBrien | Dec 5, 2020 You people did a very good job with our loan. You where very prompt in sending the overrun within a few days of the last payment ! Thank You ! Read More |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$1,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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0.55% |
$10,000 |
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NotURBusiness | Jul 9, 2021 ABSOLUTELY RIDICULOUS how this place is still around in Wheeling. Taking any more than 3 days on a loan check is UNEXCUSEABLE. Having an 800 plus credit rating. A SENIOR. Wanting to move out ofa big hou... Read More |
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0.55% |
$10,000 |
- |
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0.55% |
$50,000 |
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Allen Orwig Orwigal@aol,com | Aug 13, 2020 Was wondering if you cash savings bonds........thx Read More |
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0.55% |
$10,000 |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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Guest | Oct 13, 2022 Upon entering the Savanna Location, I 1st waited and waited and then was told it was gonna be a few minutes; Therefore when one's app once I got to deposit money they tried to tell me it was too late. To... Read More |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
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0.50% |
$100,000 |
- |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$1,000 |
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0.50% |
$500 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$5,000 |
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0.50% |
$500 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$1,000 |
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0.50% |
$1,000 |
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0.50% |
$2,500 |
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0.50% |
$50,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$10,000 |
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0.50% |
$100,000 |
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0.50% |
$10,000 |
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0.50% |
$100,000 |
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0.47% |
$100,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$100,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$100,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$2,500 |
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0.45% |
$100,000 |
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0.45% |
$100,000 |
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0.45% |
$10,000 |
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0.45% |
$10,000 |
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0.45% |
$1,000 |
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0.45% |
$10,000 |
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0.43% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$100,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$100,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$1,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$500 |
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No One Important | Nov 12, 2022 This bank has changed from what it used to be some years ago. I used to have an account, got loans through them. Did all my banking through this establishment. They were a hometown proud financial insti... Read More |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$1,000 |
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0.40% |
$10,000 |
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0.40% |
$1,000 |
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0.40% |
$1,000 |
- |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$2,500 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.40% |
$10,000 |
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0.36% |
$10,000 |
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0.35% |
$100,000 |
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0.35% |
$500 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$100,000 |
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0.35% |
$10,000 |
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Mikki9678 | Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More |
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0.35% |
$5,000 |
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Allen Orwig Orwigal@aol,com | Aug 13, 2020 Was wondering if you cash savings bonds........thx Read More |
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0.35% |
$10,000 |
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0.35% |
$1 |
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larrygibson | Oct 28, 2017 Le agradezco a la Sra. Clara por hacerme confiar nuevamente. Mi propia Historia comenzó en 2010 cuando estaba buscando cómo conseguir un sueño en Sudáfrica y gasté todo el dinero que tenía e incluso ... Read More |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$100,000 |
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0.35% |
$10,000 |
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0.35% |
$100,000 |
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
||||
0.35% |
$10,000 |
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|
0.35% |
$10,000 |
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|
0.35% |
$100,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$10,000 |
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0.35% |
$1,000 |
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0.35% |
$100,000 |
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0.35% |
$100,000 |
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0.35% |
$50,000 |
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|
0.35% |
$10,000 |
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0.34% |
$500 |
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|
0.32% |
$10,000 |
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|
|
0.31% |
$10,000 |
- |
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|
0.31% |
$100,000 |
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|
0.30% |
$10,000 |
- |
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|
0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$100,000 |
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0.30% |
$10,000 |
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0.30% |
$100,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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|
me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
||||
0.30% |
$10,000 |
- |
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|
|
0.30% |
$10,000 |
- |
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|
0.30% |
$1,000 |
- |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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|
0.30% |
$100,000 |
- |
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0.30% |
$100,000 |
- |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$100,000 |
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0.30% |
$10,000 |
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0.30% |
$10,000 |
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0.30% |
$50,000 |
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0.27% |
$100,000 |
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0.26% |
$10,000 |
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0.26% |
$10,000 |
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0.26% |
$10,000 |
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0.26% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$100,000 |
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0.25% |
$10,000 |
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0.25% |
$100,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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|
Felix | Oct 10, 2023 I had a good experience with the online bank and the customer support is excellent Read More |
||||
0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$100,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$1,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$1,000 |
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0.25% |
$1,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.25% |
$1,000 |
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0.25% |
$10,000 |
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0.25% |
$100,000 |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
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0.21% |
$10,000 |
- |
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0.20% |
$100,000 |
- |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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|
theee | Dec 26, 2017 Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More |
||||
0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$100,000 |
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0.20% |
$10,000 |
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0.20% |
$100,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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|
RobertJ | May 10, 2022 Centrust Bank is excellent to do business with. Friendly and experienced bankers. Read More |
||||
0.20% |
$500 |
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|
0.20% |
$25,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$1,000 |
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0.20% |
$10,000 |
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0.20% |
$100,000 |
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0.20% |
$10,000 |
- |
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|
disgustedcustomer | Aug 30, 2019 I witnessed an appallingly racist exchange at the window this morning, and the teller had just been perfectly polite to me. On top of the rudeness I've come to expect from a couple of their tellers, this p... Read More |
||||
0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.17% |
$100,000 |
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0.17% |
$100,000 |
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0.17% |
$1,000 |
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0.16% |
$1,000 |
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0.15% |
$500 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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|
mjohnson | Nov 18, 2019 sweet thanks Read More |
||||
0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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|
Retired | Feb 16, 2021 No longer offered even though it’s shown here Read More |
||||
0.15% |
$1,000 |
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0.15% |
$10,000 |
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0.15% |
$1,000 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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|
|
jefflockwoodlaw2288@gmail.com | Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More |
||||
0.15% |
$10,000 |
- |
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|
|
0.15% |
$100,000 |
- |
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|
|
Squittyrules83 | Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More |
||||
0.15% |
$100,000 |
- |
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|
|
0.15% |
$100,000 |
- |
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|
|
business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
||||
0.15% |
$10,000 |
- |
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|
|
Not a Fan | Jun 26, 2019 On a scale of 1 to 10 GN bank rates a negative 1. While they gladly accept your deposits, they are far from forhright with your withdrawals. Especially if you are withdrawing large sums of money or closing... Read More |
||||
0.14% |
$10,000 |
- |
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|
|
0.14% |
$100,000 |
- |
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|
0.12% |
$10,000 |
- |
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0.12% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
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0.10% |
$10,000 |
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0.10% |
$10,000 |
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0.10% |
$10,000 |
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0.10% |
$10,000 |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
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0.10% |
$2,500 |
- |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
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|
|
Squittyrules83 | Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More |
||||
0.10% |
$100,000 |
- |
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|
|
Ed | Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More |
||||
0.10% |
$1,000 |
- |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
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0.10% |
$1,000 |
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0.10% |
$10,000 |
- |
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|
0.10% |
$10,000 |
- |
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|
|
business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
||||
0.09% |
$1,000 |
- |
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|
|
0.09% |
$10,000 |
- |
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|
0.08% |
$10,000 |
- |
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0.08% |
$10,000 |
- |
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|
0.08% |
$10,000 |
- |
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|
|
Doug | Aug 22, 2017 $100K min on new CD's. They will not bend. So had to take $170K to another bank, now @ 2.5%. Read More |
||||
0.05% |
$10,000 |
- |
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|
|
0.05% |
$2,500 |
- |
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|
|
Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
||||
0.05% |
$10,000 |
- |
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|
|
0.05% |
$500 |
- |
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|
|
Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
||||
0.03% 0.01% |
$2,501 $2,500 |
- |
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|
|
0.03% |
$25,000 |
- |
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|
|
GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
||||
0.01% |
$10,000 |
- |
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|
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.
Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.
Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.
The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.
Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.
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.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
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