Rates updated · 70 banks tracked
Ally CD rates: 4.00% APY best term
Ally’s best tracked CD pays 4.00% across 7 terms — ranking in the upper half of the 70 banks SwitchWize tracks CD rates for, where the best available rate is 4.47%. (Updated August 26, 2026.)
Ally CD rates by term
| Term | APY |
|---|---|
| 3 months | 2.70% |
| 6 months | 3.50% |
| 1 year | 3.90% |
| 18 months | 4.00%Best |
| 2 years | 3.00% |
| 3 years | 3.50% |
| 5 years | 3.50% |
Is Ally a good CD rate? Not really. At 4.00% its best CD trails the 4.47% best available tracked rate, leaving about $117 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 4.00%, $25,000 earns $1,000/yr here versus $1,117/yr at the field leader — a $117/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is Ally's best CD rate?▾
Ally's best tracked CD rate is 4.00% APY as of August 26, 2026, across 7 terms SwitchWize tracks for this bank.
Is Ally's CD rate good?▾
Ally's best CD rate ranks in the upper half of tracked banks. The best available tracked rate is 4.47% and the FDIC national savings average is 0.38%.
Which banks pay more than Ally on CDs?▾
Higher-paying tracked options include webbank, rising bank, liveoak. Compare rates at /cds to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.