4.6
4.6
4.6
4.6
4.3
4.3
4.3
4.3
4.3
4.3
Top-Rated CD Rates Compared
Compare top CD Rates on Minimum Deposit, Fees, and Accessibility
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.
Companies Compared
Compare top CD Rates on Minimum Deposit, Fees, and Accessibility
Swipe
| Company | Rating | Minimum CD Deposit | Monthly Maintenance Fees | Physical Branch Access | FDIC Insured Status | |
|---|---|---|---|---|---|---|
| $1,000 | $0 | Yes | Yes | |||
| Varies | $0 | No | Yes | |||
| $0 | $0 | Limited Network | Yes | |||
| $500 | $0 | No | Yes | |||
| $2,500 | $0 | No | Yes |
All Companies Reviewed
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.
4.6/5
Minimum CD Deposit$1,000
Monthly Maintenance Fees$0
Physical Branch AccessYes
2. Happen Bank
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.
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.
4.3/5
Minimum CD Deposit$0
Monthly Maintenance Fees$0
Physical Branch AccessLimited Network
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.
4.3/5
Minimum CD Deposit$5,000
Monthly Maintenance Fees$0
Physical Branch AccessNo
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.
4.3/5
Minimum CD DepositVaries
Monthly Maintenance Fees$0
Physical Branch AccessNo
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.
4.3/5
Minimum CD Deposit$1,000
Monthly Maintenance Fees$0
Physical Branch AccessNo
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.
4.3/5
Minimum CD Deposit$500
Monthly Maintenance Fees$0
Physical Branch AccessNo
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.
4.3/5
Minimum CD Deposit$10,000
Monthly Maintenance Fees$0
Physical Branch AccessNo
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.
4.2/5
Minimum CD Deposit$2,500
Monthly Maintenance Fees$0
Physical Branch AccessNo
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.
4.1/5
Minimum CD Deposit$1,000
Monthly Maintenance Fees$0
Physical Branch AccessNo
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.
4.1/5
Minimum CD Deposit$1,500
Monthly Maintenance Fees$0
Physical Branch AccessNo
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Common questions about our rankings and methodology.
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