Rates updated · 72 banks tracked
MySavingsDirect CD rates: 3.00% APY best term
MySavingsDirect’s best tracked CD pays 3.00% across 4 terms — ranking in the bottom quartile of the 72 banks SwitchWize tracks CD rates for, where the best available rate is 4.45%. (Updated September 16, 2026.)
MySavingsDirect CD rates by term
| Term | APY |
|---|---|
| 6 months | 3.00%Best |
| 2 years | 2.25% |
| 3 years | 2.25% |
| 5 years | 2.00% |
Is MySavingsDirect a good CD rate? Not really. At 3.00% its best CD trails the 4.45% best available tracked rate, leaving about $363 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 3.00%, $25,000 earns $750/yr here versus $1,113/yr at the field leader — a $363/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 MySavingsDirect's best CD rate?▾
MySavingsDirect's best tracked CD rate is 3.00% APY as of September 16, 2026, across 4 terms SwitchWize tracks for this bank.
Is MySavingsDirect's CD rate good?▾
MySavingsDirect's best CD rate ranks in the bottom quartile of tracked banks. The best available tracked rate is 4.45% and the FDIC national savings average is 0.38%.
Which banks pay more than MySavingsDirect on CDs?▾
Higher-paying tracked options include citizens access, keybank, td bank. 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.