Lock in the best rate.

Today's best CD rates, ranked for every term.

We track certificate of deposit rates from banks and credit unions so you can see the top APY at a glance — and how every lender stacks up.

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Best rate for each term

The single highest APY we track for each CD length.

3-month CD

4.47%

APY

Northgate Direct

Min. deposit $0

6-month CD

4.68%

APY

Prairie Trust Credit Union

Min. deposit $1,000

9-month CD

4.56%

APY

Northgate Direct

Min. deposit $0

1-year CD

4.80%

APY

Northgate Direct

Min. deposit $500

18-month CD

4.53%

APY

Summit Ridge Savings

Min. deposit $1,000

2-year CD

4.37%

APY

Summit Ridge Savings

Min. deposit $1,000

3-year CD

4.35%

APY

Harborline Bank

Min. deposit $1,000

5-year CD

4.25%

APY

Prairie Trust Credit Union

Min. deposit $1,000

#	Bank	Product	Term	Min. deposit	APY
1	Northgate Direct	1-Year CD	1-year	$500	4.80%
2	Harborline Bank	1-Year CD	1-year	$0	4.78%
3	Prairie Trust Credit Union	1-Year CD	1-year	$1,000	4.76%
4	Prairie Trust Credit Union	6-Month CD	6-month	$1,000	4.68%
5	Bluewater Federal	1-Year CD	1-year	$1,000	4.63%
6	Northgate Direct	9-Month CD	9-month	$0	4.56%
7	Summit Ridge Savings	18-Month CD	18-month	$1,000	4.53%
8	Northgate Direct	6-Month CD	6-month	$2,500	4.52%
9	Summit Ridge Savings	6-Month CD	6-month	$2,500	4.51%
10	Bluewater Federal	9-Month CD	9-month	$2,500	4.51%