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Best CD Rates of 2026

By Krystine Carneiro

Journalist

Fact Checked

Published on June 16, 2026

Updated on June 16, 2026

Overview

Top-Rated CD Rates Compared

Compare top CD Rates on Minimum Deposit, Fees, and Accessibility

LendingClub

4.6

VISIT SITE

LendingClub offers a seamless digital banking experience with competitive yields and excellent financial tools.

Certificates Of Deposit
High-Yield Savings
Fixed-Rate Accounts
Interest Rates
Savings Growth
FDIC Insured
Minimum Deposit
Online Banking

Best CD Rates

When looking to maximize the return on your savings, certificate of deposit accounts offer a secure, fixed-rate solution. They allow you to lock in a guaranteed interest rate for a specific term, protecting your savings from market fluctuations while ensuring predictable growth.

Our comprehensive analysis evaluates the top financial institutions offering these products. We compare their minimum deposit requirements, monthly fees, branch accessibility, and federal insurance status to help you choose the right account for your financial goals.

Key Takeaways

LendingClub: Excellent for seamless digital banking and competitive yields.
First National Bank of America: Ideal for yield-focused savers with top-tier rates.
Capital One Bank: Features a zero-dollar minimum deposit and limited branch access.
Marcus by Goldman Sachs: Offers an accessible minimum deposit and flexible penalty-free options.
E*TRADE: Best for investors seeking to combine banking and brokered certificates.

Finding the ideal account requires balancing the interest rate with the institution’s deposit requirements and your need for liquidity. By reviewing these top-rated providers, you can confidently lock in a competitive yield that aligns with your savings strategy.

	Highest Yields First National Bank of America 4.6 VISIT	Best Digital Bank LendingClub 4.6 VISIT	Best Overall Experience Capital One Bank 4.3 VISIT	Best Penalty-Free Options Marcus by Goldman Sachs 4.3 VISIT	Reliable Fixed Returns Sallie Mae 4.2 VISIT
Minimum CD Deposit	$1,000	Varies	$0	$500	$2,500
Monthly Maintenance Fees	$0	$0	$0	$0	$0
Physical Branch Access	Yes	No	Limited Network	No	No
FDIC Insured Status	Yes	Yes	Yes	Yes	Yes
	Read our review	Read our review	Read our review	Read our review	Read our review

Top CD Rate Providers

1. First National Bank of America

First National Bank of America specializes in maximizing deposit returns with excellent rates. It is an ideal fit for dedicated savers looking for secure, federal insurance-backed growth over fixed terms.

First National Bank of America

Minimum CD Deposit

$1,000
Monthly Maintenance Fees

$0
Physical Branch Access

Yes

Visit Site

Read Review

2. LendingClub

LendingClub provides a robust online banking suite that includes competitive savings and fixed-rate products. Its user-friendly platform makes it easy to lock in strong yields while enjoying excellent digital tools.

LendingClub

Minimum CD Deposit

Varies
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

3. Capital One Bank

Capital One delivers a seamless digital banking experience combined with an accessible entry point. It offers an impressive array of financial products without the burden of minimum deposits or maintenance fees.

Capital One Bank

Minimum CD Deposit

$0
Monthly Maintenance Fees

$0
Physical Branch Access

Limited Network

Visit Site

Read Review

4. Colorado Federal Savings Bank

Colorado Federal Savings Bank specializes in high-yield direct-to-consumer deposit products. By operating without physical branches, the bank consistently offers highly competitive rates to dedicated savers.

Colorado Federal Savings Bank

Minimum CD Deposit

$5,000
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

5. E*TRADE

E*TRADE provides a broad secondary market, allowing clients to purchase brokered certificates from hundreds of banks. It perfectly integrates traditional banking features with robust brokerage and investment tools.

E*TRADE

Minimum CD Deposit

Varies
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

6. Limelight Bank

Limelight Bank operates as a purely digital entity to deliver interest rates that frequently outpace the market. It is tailored for goal-oriented savers prioritizing high yields and low operational friction.

Limelight Bank

Minimum CD Deposit

$1,000
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

7. Marcus by Goldman Sachs

Backed by a historic financial institution, Marcus by Goldman Sachs delivers some of the best high-yield deposit options available. Its platform is renowned for competitive rates and flexible terms without maintenance fees.

Marcus by Goldman Sachs

Minimum CD Deposit

$500
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

8. Popular Direct

Popular Direct caters to established savers by offering exceptionally high rates for larger initial deposits. It is backed by a historic holding company and prioritizes secure, long-term wealth growth.

Popular Direct

Minimum CD Deposit

$10,000
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

9. Sallie Mae

Beyond education funding, Sallie Mae Bank offers strong direct-to-consumer savings solutions. Its fixed-rate accounts provide consistent, competitive returns and straightforward digital management.

Sallie Mae

Minimum CD Deposit

$2,500
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

10. Bask Bank

Bask Bank is the online-only division of Texas Capital Bank, focusing on high-yield deposits. It offers certificates with no monthly maintenance fees and competitive rates, providing an excellent choice for straightforward online saving.

Bask Bank

Minimum CD Deposit

$1,000
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

11. Bread Savings

Bread Savings is an online platform known for offering yields well above the national average. Backed by Comenity Capital Bank, it provides secure, fee-free savings accounts for those comfortable with online banking.

Bread Savings

Minimum CD Deposit

$1,500
Monthly Maintenance Fees

$0
Physical Branch Access

No

Visit Site

Read Review

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