Nebraska

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Nebraska CD Rates

You are viewing rates from banks across Nebraska





Below are the best one-year CD Rates from banks in Nebraska. 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.

NE - July 12, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Rate History: 4.75% → 5.15% → 5.40% → 5.30% → 4.40%

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%

| 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

Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%

| 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

Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More

Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%

| 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

Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%

| Nov 18, 2023

bank delayed 1-2days to credit into your account, pay less interest. Read More

Rate History: 4.30% → 3.90%

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

3.82%

$1,000

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Early Withdrawal Penalty is 90 days interest.
Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%

| 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

Rate History: 4.00% → 4.50% → 4.00% → 3.75%

Rate History: 3.85% → 3.64% → 3.54%

Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%

| May 19, 2018

Experience Read More

Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| 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

Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%

| 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

Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%

| 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

Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.00% → 1.50% → 3.25% → 2.00%

| 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

1.10%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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0.96%

$10,000

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0.95%

$50,001

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0.90%

$10,000

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0.90%

$10,000

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0.85%

$10,000

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0.85%

$1,000

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0.85%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$1,000

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0.80%

$100

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0.80%

$10,000

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| Feb 24, 2020

Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More

| Jan 1, 2020

00Title1! Read More

0.75%

$500

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.70%

$1,000

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| Jan 1, 2020

00Title1! Read More

0.70%

$500

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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%

$100,000

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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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0.70%

$100,000

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0.70%

$10,000

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| Feb 24, 2020

Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More

0.69%

$100,000

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0.65%

$10,000

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0.65%

$1,000

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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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0.65%

$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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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.62%

$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%

$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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0.55%

$10,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$10,000

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| Jan 1, 2020

00Title1! Read More

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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0.51%

$100,000

-

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0.51%

$500

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0.50%

$10,000

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0.50%

$10,000

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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%

$100,000

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| Jan 1, 2020

00Title1! Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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| Sep 23, 2019

Access not. A good bank...whenever you save money to it their won't be any issue or problem but if you try to withdraw your money they will be telling you that you need to authorize.... Read More

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%

$100,000

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0.49%

$100,000

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0.48%

$10,000

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0.45%

$500

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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%

$10,000

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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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0.40%

$10,000

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| Feb 19, 2023

Does five point bank of Hastings cash a check through atm Read More

0.40%

$100,000

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0.40%

$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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0.40%

$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%

$100,000

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0.40%

$10,000

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0.38%

$10,000

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0.35%

$100,000

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0.35%

$10,000

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| Feb 17, 2022

Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More

0.35%

$10,000

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| Jun 28, 2017

showmefivethousanddollars Read More

0.35%

$10,000

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0.35%

$100,000

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0.35%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$250

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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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| Feb 17, 2022

Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More

0.30%

$10,000

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0.30%

$10,000

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.29%

$10,000

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0.25%

$500

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0.25%

$500

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0.25%

$100,000

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0.25%

$10,000

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0.20%

$50,000

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0.20%

$500

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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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0.20%

$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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0.15%

$10,000

-

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0.10%

$10,000

-

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0.10%

$10,000

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0.06%

$500

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| 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

| 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

| 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

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 98109


Branch Street City State
Commercial State Bank
Nebraska City Branch
617 Central Avenue Nebraska City NE
Wells Fargo Bank, National Association
Second Street Branch
920 West 2nd Street Grand Island NE
Bank of Dixon County
412 Main Street Branch
412 Main Street New Castle NE
Western Nebraska Bank
Bank Of Paxton Branch
203 North Oak Street Paxton NE
The Tri-County Bank
The Tri-County Bank - Atkinson Branc Branch
807 East Ash Street Atkinson NE
Elkhorn Valley Bank & Trust
Elkhorn Valley Bank & Trust Branch
800 West Benjamin Avenue Norfolk NE
Riverstone Bank
Tri Valley Bank Branch
223 Main Street Talmage NE
State Bank of Scotia
State Bank Of Scotia Branch
104 S Main St Scotia NE
Madison County Bank
Norfolk Branch
2100 Pasewalk Avenue Norfolk NE
Stanton State Bank
Stanton State Bank Branch
924 Ivy Street Stanton NE
Bank of Hartington
304 North Broadway Branch
304 North Broadway Hartington NE
State Bank of Scotia
State Bank Of Scotia Branch
104 S Main St Scotia NE
Citizens State Bank
Citizens State Bank Branch
209 3rd Street Carleton NE
Nebraska Bank
Bridgeport Branch
823 Main Street Bridgeport NE
Pinnacle Bank
Home State Bank Branch
218 Main Street Louisville NE
Brunswick State Bank
Brunswick State Bank Branch
226 2nd St Brunswick NE
Bank of Lindsay
Bank Of Lindsay Branch
102 Pine Street Lindsay NE
Foundation One Bank
North 156th Street Branch
4141 North 156th Street Omaha NE
Adams County Bank
Adams County Bank Branch
401 N. Smith Avenue Kenesaw NE
Homestead Bank
Drive-Thru Schuyler Branch
715 West Sixteenth Street Schuyler NE
Farmers and Merchants Bank
Farmers And Merchants Bank Branch
501 Main St Milligan NE
Henderson State Bank
Henderson State Bank Branch
627 Lincoln Avenue York NE
Nebraska Bank of Commerce
Nebraska Bank Of Commerce Branch
6000 Village Drive, Suite 100 Lincoln NE
State Bank of Table Rock
State Bank Of Table Rock, Pawnee City Branch
650 G Street Pawnee City NE
The Bank of Steinauer
The Bank Of Steinauer Branch
215 Main St Steinauer NE
Citizens Bank & Trust Company
Citizens Bank & Trust Company Branch
721 Seventh Street Saint Paul NE
Homestead Bank
Drive-Thru Schuyler Branch
715 West Sixteenth Street Schuyler NE
Minden Exchange Bank & Trust Company
Minden Exchange Bank & Trust Company Branch
448 North Minden Avenue Minden NE
Bank of Elgin
Bank Of Elgin Branch
101 North 2nd Street Elgin NE
First State Bank
First State Bank Branch
Broadway And Main Streets Randolph NE
Citizens State Bank
Spalding Branch
121 North Chestnut Street Spalding NE
Custer Federal State Bank
Custer Federal State Bank Branch
341 South 10th Avenue Broken Bow NE
Legends West Bank
Bank Of Lewellen Branch
302 Main Street Lewellen NE
Bank of Prague
Bank Of Prague Branch
316 West Center Avenue Prague NE
FirstBank of Nebraska
Syracuse Branch
320 Fifth St Syracuse NE
City Bank & Trust Co.
City Bank & Trust Company Branch
940 'p' Street Lincoln NE
Countryside Bank
Countryside Bank Branch
379 Main Street Unadilla NE
Adams County Bank
Adams County Bank Branch
401 N. Smith Avenue Kenesaw NE
Pathway Bank
Pathway Bank Branch
817 H Street Burwell NE
Custer Federal State Bank
Custer Federal State Bank Branch
341 South 10th Avenue Broken Bow NE
Cedar Rapids State Bank
Cedar Rapids State Bank Branch
213 W Main St Cedar Rapids NE
Nebraska State Bank
Nebraska State Bank Branch
301 Prairie Street Bristow NE
First National Bank in Ord
First National Bank In Ord Branch
1411 M Street Ord NE
Cornerstone Bank
North Loup Valley Branch
404 W 1st St North Loup NE
Scribner Bank
Scribner Bank Branch
400 Main Street Scribner NE
First State Bank Nebraska
De Witt Branch
307 East Fillmore Avenue De Witt NE
Enterprise Bank
Regency Parkway Branch
210 Regency Parkway Omaha NE
Exchange Bank
Exchange Bank Branch
7655 Pioneers Blvd Lincoln NE
Cornhusker Bank
Apples Way Branch
6100 Apple's Way Lincoln NE
First Central Bank
First Central Bank Branch
623 Patterson Cambridge NE
First Central Bank McCook
First Central Bank Mccook Branch
904 North Highway 83 Mccook NE
Security Bank
Osmond Branch
321 N State Street Osmond NE
First Community Bank
Bancroft Branch
N Main Street Bancroft NE
Cedar Security Bank
Wynot Branch
411 St James Ave Wynot NE
Legends West Bank
Bank Of Lewellen Branch
302 Main Street Lewellen NE
FirsTier Bank
Firstier Bank Branch
222 North Tyler Street Elm Creek NE
First Bank and Trust of Fullerton
First Bank And Trust Of Fullerton Branch
230 Broadway Fullerton NE
Wahoo State Bank
314 5th Street Branch
314 5th Street Wahoo NE
Dayspring Bank
Mullen Branch
101 Northwest First Mullen NE
First Nebraska Bank
Brainard Branch
Madison Street Brainard NE
Adams Bank & Trust
Chappell Branch
641 2nd Street Chappell NE
Town & Country Bank
Town & Country Bank Branch
423 Grand Avenue Ravenna NE
Bank of Clarks
Farmers State Bank Of Silver Creek B Branch
Second And Vine Silver Creek NE
Homestead Bank
Drive-Thru Schuyler Branch
715 West Sixteenth Street Schuyler NE
Scribner Bank
Scribner Bank Branch
400 Main Street Scribner NE
City Bank & Trust Co.
City Bank & Trust Company Branch
940 'p' Street Lincoln NE
South Central State Bank
South Central State Bank Branch
673 Broad St. Campbell NE
The First National Bank of Johnson
Auburn Branch
1315 J Street Auburn NE
Butte State Bank
Butte State Bank Branch
510 Thayer Street Butte NE
First Bank and Trust Company
First Bank And Trust Company Branch
315 East 4th Street Minden NE
Great Plains State Bank
Great Plains State Bank Branch
140 Main Street Petersburg NE
Pinnacle Bank - Wyoming
Mitchell Branch
1511 Broadway Mitchell NE
Flatwater Bank
Gothenburg State Bank Branch
900 Lake Gothenburg NE
American Exchange Bank
Elmwood Branch
440 D Street Eagle NE
State Nebraska Bank & Trust
State Nebraska Bank & Trust Branch
122 Main Street Wayne NE
CHARTER WEST BANK
Pender Branch
610 4th Street Pender NE
Lincoln FSB of Nebraska
720 4th Avenue Branch
720 4th Avenue Holdrege NE
Platte Valley Bank
Plaza Branch
710 Avenue B Scottsbluff NE
Bank of the Valley
Bank Of The Valley Branch
404 State Street Bellwood NE
Columbus Bank and Trust Company
Columbus Bank And Trust Company Branch
2501 13th Street Columbus NE
Homestead Bank
Drive-Thru Schuyler Branch
715 West Sixteenth Street Schuyler NE
Platte Valley Bank
Platte Valley Bank Branch
606 Main Street North Bend NE
JONES BANK
Milford Branch
807 Fifth Street Milford NE
I3 Bank
2433 Silver Street Branch
2433 Silver Street Ashland NE
Access Bank
Access Bank Branch
8712 West Dodge Road Omaha NE
Home Federal Savings and Loan Association of Grand Island
715 West 4th Branch
715 West 4th Hastings NE
Farmers and Merchants Bank
Jansen Branch
Broad And Elm Streets Jansen NE
First State Bank
620 West Main Street Branch
620 West Main Street Alma NE
Western National Bank
Byron State Bank Branch
115 Kansas Avenue Byron NE
The First National Bank of Johnson
Auburn Branch
1315 J Street Auburn NE
BankFirst
Drive-In Facility Branch
920 South 13th Street Norfolk NE
Stockmens Bank
The State Bank Of Bartley Branch
402 Commercial Street Bartley NE
Frontier Bank
Frontier Bank Lincoln Branch (Glynoa
8380 Glynoaks Drive Lincoln NE
Butte State Bank
Butte State Bank Branch
510 Thayer Street Butte NE
Nebraska State Bank
Nebraska State Bank Branch
301 Prairie Street Bristow NE
Hershey Bank
Hershey State Bank, North Platte Branch
301 East Philip Avenue North Platte NE
Pathway Bank
Pathway Bank Branch
817 H Street Burwell NE
Town & Country Bank
Town & Country Bank Branch
423 Grand Avenue Ravenna NE
RVR Bank
Walmart Office Branch
3010 East 23rd Avenue North Fremont NE
United Republic Bank
United Republic Bank Branch
111 North 181st Street Omaha NE
Farmers and Merchants Bank
Jansen Branch
Broad And Elm Streets Jansen NE
Cattle Bank and Trust
Village Gardens Branch
5800 Hidcote Ave., Suite 106 Lincoln NE
Commercial Bank
Commercial Bank Branch
Fourth And Main (S.W. Corner) Nelson NE
F&M Bank
F&M Bank Branch
1701 Stone Street Falls City NE
First Northeast Bank of Nebraska
Uehling Branch
423 Main Street Uehling NE
Five Points Bank of Hastings
Hastings Downtown Branch
322 North Saint Joseph Avenue Hastings NE
West Plains Bank
West Plains Bank Branch
200 North Main Street Ainsworth NE
Sandhills State Bank
North Platte Branch
203 South Dewey Street North Platte NE
Bruning Bank
Bank Of Broken Bow, A Branch Of Bruning State Bank Branch
803 South D Street Broken Bow NE
First National Bank in Ord
First National Bank In Ord Branch
1411 M Street Ord NE
The Potter State Bank of Potter
The Potter State Bank Of Potter Branch
Front And Chestnut Potter NE
Premier Bank National Association
Premier Bank - Nebraska City Branch
202 South Eighth Street Nebraska City NE
Five Points Bank
Omaha- Mobile Branch
9817 Giles Road La Vista NE
First Bank of Utica
First Bank Of Utica Branch
785 D Street Utica NE
First State Bank
620 West Main Street Branch
620 West Main Street Alma NE
Thayer County Bank
Thayer County Bank Branch
402 Lincoln Avenue Hebron NE
Tecumseh Federal Bank
Tecumseh Federal Bank Branch
160 N 4th Street Tecumseh NE
Arbor Bank
Arbor Bank Branch
911 Central Avenue Nebraska City NE
F&M Bank
Wayne Branch
321 Main Wayne NE
Pinnacle Bank
Home State Bank Branch
218 Main Street Louisville NE
Heartland Bank
Heartland Bank Branch
896 G Street Geneva NE
Farmers and Merchants Bank of Ashland
Highway 6 Branch
504 Highway 6 Ashland NE
First Savings Bank
Omaha Branch
3540 South 84th Street Omaha NE
West Gate Bank
Eagle Crest Branch
8400 Eagle Crest Rd Lincoln NE
York State Bank
Detached Tellers' Branch
729 Lincoln Avenue York NE
MNB BANK
Stratton Branch
Bailey Street Stratton NE
Dundee Bank
Dundee Branch
5015 Underwood Avenue Omaha NE
Security First Bank
Harrison Branch
289 Main Street Harrison NE
West Plains Bank
West Plains Bank Branch
200 North Main Street Ainsworth NE
Great Southern Bank
Bellevue Branch
7001 South 36th Street Bellevue NE
Washington County Bank
Washington County Bank - Washington Branch
303 South 13th Street Tekamah NE
Hershey Bank
Hershey State Bank, North Platte Branch
301 East Philip Avenue North Platte NE
Nebraskaland Bank
S. Dewey Branch
1400 S. Dewey Street North Platte NE
Heartland Bank
Heartland Bank Branch
896 G Street Geneva NE
Columbus Bank and Trust Company
Columbus Bank And Trust Company Branch
2501 13th Street Columbus NE
First Westroads Bank, Inc.
Westroads Branch
612 N. 98th Street Omaha NE
UMB Bank, National Association
Village Pointe Branch
16929 Burke Street Omaha NE
Waypoint Bank
Waypoint Bank Branch
747 Meridian Cozad NE
Pinnacle Bank
Home State Bank Branch
218 Main Street Louisville NE
York State Bank
Detached Tellers' Branch
729 Lincoln Avenue York NE
BankFirst
Drive-In Facility Branch
920 South 13th Street Norfolk NE
Pinnacle Bank
Home State Bank Branch
218 Main Street Louisville NE
Genoa Community Bank
Genoa Community Bank Branch
Willard Avenue And Oak Street Genoa NE
Security National Bank of Omaha
Cass Street Branch
7805 Cass Street Omaha NE
F&M Bank
F&M Bank Branch
1701 Stone Street Falls City NE
Central National Bank
Mortgage Department Branch
P.O. Box 268 Superior NE
Astra Bank
Sutton Branch
105 S. Saunders Avenue Sutton NE
Midwest Bank
Deshler Branch
701 4th St Deshler NE
Pinnacle Bank
Home State Bank Branch
218 Main Street Louisville NE
Heritage Bank
St. Paul Branch
821 2nd Street St. Paul NE
Nebraska State Bank and Trust Company
Merna Branch
Center Avenue And Highway 92 Merna NE
Nebraskaland Bank
S. Dewey Branch
1400 S. Dewey Street North Platte NE
Midwest Bank
Deshler Branch
701 4th St Deshler NE
Central National Bank
Mortgage Department Branch
P.O. Box 268 Superior NE
F&M Bank
Wayne Branch
321 Main Wayne NE
Sidney Federal Savings and Loan Association
Sidney Federal Savings And Loan Asso Branch
1045 10th Avenue Sidney NE
Northwest Bank
La Vista Branch
9719 Giles Rd La Vista NE
Security National Bank of Omaha
Cass Street Branch
7805 Cass Street Omaha NE
Pinnacle Bank
Home State Bank Branch
218 Main Street Louisville NE
First National Bank of Omaha
17th Avenue Branch
5410 17th Avenue Kearney NE
U.S. Bank National Association
10th & Norfolk Branch
909 Norfolk Avenue Norfolk NE


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

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.

CD Terms

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.

CD Risk

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.

How Interest is Paid

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.

Interest Rate

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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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.

SAVINGS & CD CALCULATOR

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