Rates updated · 71 banks tracked
Emigrant Direct CD rates: 2.25% APY best term
Emigrant Direct’s best tracked CD pays 2.25% across 4 terms — ranking in the bottom quartile of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 4.83%. (Updated October 11, 2026.)
Emigrant Direct CD rates by term
| Term | APY |
|---|---|
| 6 months | 2.25%Best |
| 2 years | 2.25%Best |
| 3 years | 2.25%Best |
| 5 years | 2.00% |
Is Emigrant Direct a good CD rate? Not really. At 2.25% its best CD trails the 4.83% best available tracked rate, leaving about $646 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 2.25%, $25,000 earns $563/yr here versus $1,208/yr at the field leader — a $646/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 Emigrant Direct's best CD rate?▾
Emigrant Direct's best tracked CD rate is 2.25% APY as of October 11, 2026, across 4 terms SwitchWize tracks for this bank.
Is Emigrant Direct's CD rate good?▾
Emigrant Direct's best CD rate ranks in the bottom quartile of tracked banks. The best available tracked rate is 4.83% and the FDIC national savings average is 0.38%.
Which banks pay more than Emigrant Direct on CDs?▾
Higher-paying tracked options include apple bank, bank of america, connexus. 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.