Our take1-year CD with no minimum, earning 4.75% APY — 25 bps below our top pick.
1
ET
ET
E*TRADETop rate
FDIC insuredNo minimumMatures Oct 2027
1-year CDAPY
4.75%
+$1,188
interest over 1-year
Your bank pays 0.38%+4.37% higher APY
200 CDs across all terms · Updated October 7, 2026
Best CDs — October 2026
Lock in a guaranteed return — compare CDs across every term
Set your balance and current bank rate — every CD shows the fixed interest it earns and how much more that is versus leaving it where it is.
The best CDs pay around 5.00% APY as of October 2026.
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How we rankWe rank by total value — not the headline teaser rateSponsored offers are labeled and never ranked higher for payingEvery account here is FDIC-insured to $250,000How we rank →
Best rate by term6 mo: 4.40%1 yr: 4.75%1.5 yr: 4.65%3 yr: 4.85%5 yr: 5.00%
Your balance$25,000
Currently earning0.38%
Or enter exact
%
Top 1-year CD earns
+$1,188
at 4.75% APY, locked for 1-year. That's $1,093 more than your bank over the term.
RankingIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: APY by term, minimum deposit, early withdrawal penalty, and FDIC/NCUA insurance.
APY is the yearly rate you earn, including interest on your interest.
Proof of math
Why E*TRADE is currently ranked first here
No paid ranking impact
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Showing 45 CDs
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Our takeOften earns the top rate in our 1-year and 18-month rankings. Higher minimum deposit than most online CDs; Puerto Rico–chartered, fully FDIC-insured. Best for savers who can meet the minimum.
2
PD
PD
Popular DirectTrusted
FDIC insured$10,000 minMatures Oct 2027
1-year CDAPY
4.50%
+$1,125
interest over 1-year
Your bank pays 0.38%+4.12% higher APY
Our takeSolid if you can commit 1-year and meet the $100 minimum — earns 4.5% APY.
3
QF
QF
Quorum Federal Credit UnionTrusted
NCUA insured$100 minMatures Oct 2027
1-year CDAPY
4.50%
+$1,125
interest over 1-year
Your bank pays 0.38%+4.12% higher APY
Our takeSolid if you can commit 1-year and meet the $25,000 minimum — earns 4.5% APY.
4
MB
MB
Merrick Bank
FDIC insured$25,000 minMatures Oct 2027
1-year CDAPY
4.50%
+$1,125
interest over 1-year
Your bank pays 0.38%+4.12% higher APY
Our takeThe five CFG Bank CDs each require a minimum of , making them accessible to most savers.
5
CB
CB
CFG Bank
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.46%
+$1,115
interest over 1-year
Your bank pays 0.38%+4.08% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.45% APY.
6
EA
EA
EagleBank
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.45%
+$1,112
interest over 1-year
Your bank pays 0.38%+4.07% higher APY
Our takeGoldman Sachs-backed digital bank with a No-Penalty CD option for savers who want flexibility. Consistently among our top-ranked 12-month CDs; no minimum deposit required.
7
MB
MB
Marcus by Goldman SachsTrusted
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.40%
+$1,100
interest over 1-year
Your bank pays 0.38%+4.02% higher APY
Our takeSolid if you can commit 1-year and meet the $2,500 minimum — earns 4.36% APY.
8
WE
WE
WebBank
FDIC insured$2,500 minMatures Oct 2027
1-year CDAPY
4.36%
+$1,090
interest over 1-year
Your bank pays 0.38%+3.98% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.35% APY.
9
BB
BB
Bask BankTrusted
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.35%
+$1,088
interest over 1-year
Your bank pays 0.38%+3.97% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4.35% APY.
10
TF
TF
Third Federal Savings and Loan
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.35%
+$1,088
interest over 1-year
Your bank pays 0.38%+3.97% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4.35% APY.
11
KS
KS
KS StateBank
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.35%
+$1,088
interest over 1-year
Your bank pays 0.38%+3.97% higher APY
Our takeThough there are banks with lower minimums on CDs, CIBC's is manageable, but there are only four standard terms for savers to choose from.
12
CB
CB
CIBC Bank USA
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.35%
+$1,088
interest over 1-year
Your bank pays 0.38%+3.97% higher APY
Our takeThe deposit is more than some of Sallie Mae's competitors and may put opening an account outside the reach of some savers.
13
SM
SM
Sallie Mae BankTrusted
FDIC insured$2,500 minMatures Oct 2027
1-year CDAPY
4.30%
+$1,075
interest over 1-year
Your bank pays 0.38%+3.92% higher APY
Our takeSolid if you can commit 1-year and meet the $2,500 minimum — earns 4.3% APY.
14
LO
LO
Live Oak Bank
FDIC insured$2,500 minMatures Oct 2027
1-year CDAPY
4.30%
+$1,075
interest over 1-year
Your bank pays 0.38%+3.92% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.3% APY.
15
FN
FN
First National Bank of America
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.30%
+$1,075
interest over 1-year
Your bank pays 0.38%+3.92% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4.25% APY.
16
CI
CI
CitibankTrusted
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.25%
+$1,062
interest over 1-year
Your bank pays 0.38%+3.87% higher APY
Our takeConsistently top-tier rates across multiple terms. UK-owned bank operating as Barclays Bank Delaware — fully FDIC-insured. No-frills, no-branch product with a long U.S. retail presence.
17
BA
BA
BarclaysTrusted
FDIC insuredNo minimumMatures Oct 2027
1-year CDAPY
4.25%
+$1,062
interest over 1-year
Your bank pays 0.38%+3.87% higher APY
Our takeAmong the highest CD yields we track. Formerly Comenity Bank — fully FDIC-insured, though less consumer-recognized than national brands. Verify transfer timelines before moving a large balance.
18
BS
BS
Bread SavingsTrusted
FDIC insured$1,500 minMatures Oct 2027
1-year CDAPY
4.25%
+$1,062
interest over 1-year
Your bank pays 0.38%+3.87% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4.25% APY.
19
PA
PA
Prime Alliance Bank
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.25%
+$1,062
interest over 1-year
Your bank pays 0.38%+3.87% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.25% APY.
20
AC
AC
Accordia
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.25%
+$1,062
interest over 1-year
Your bank pays 0.38%+3.87% higher APY
Our takeSolid if you can commit 1-year and meet the $5,000 minimum — earns 4.25% APY.
21
CF
CF
Colorado Federal Savings Bank
FDIC insured$5,000 minMatures Oct 2027
1-year CDAPY
4.25%
+$1,062
interest over 1-year
Your bank pays 0.38%+3.87% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.25% APY.
22
RB
RB
Rising Bank
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.25%
+$1,062
interest over 1-year
Your bank pays 0.38%+3.87% higher APY
Our takeSynchrony has requirement and offers a dozen terms to choose from, so savers looking for options are likely to find a term to match their needs.
23
SY
SY
SynchronyTrusted
FDIC insuredNo minimumMatures Oct 2027
1-year CDAPY
4.20%
+$1,050
interest over 1-year
Your bank pays 0.38%+3.82% higher APY
Our takeNo-Penalty CD lets you exit early without forfeiting interest — rare at this competitive tier. Raise Your Rate CD offers one rate-increase request during the term. One of the most recognized names in online banking.
24
AL
AL
AllyTrusted
FDIC insuredNo minimumMatures Oct 2027
1-year CDAPY
4.15%
+$1,038
interest over 1-year
Your bank pays 0.38%+3.77% higher APY
Our takeSolid if you can commit 1-year and meet the $250 minimum — earns 4.15% APY.
25
TB
TB
TD BankTrusted
FDIC insured$250 minMatures Oct 2027
1-year CDAPY
4.15%
+$1,038
interest over 1-year
Your bank pays 0.38%+3.77% higher APY
Our takeSolid if you can commit 1-year and meet the $2,000 minimum — earns 4.14% APY.
26
LS
LS
Luana Savings Bank
FDIC insured$2,000 minMatures Oct 2027
1-year CDAPY
4.14%
+$1,035
interest over 1-year
Your bank pays 0.38%+3.76% higher APY
Our takeSolid if you can commit 1-year and meet the $2,500 minimum — earns 4.1% APY.
27
NB
NB
Newtek Bank
FDIC insured$2,500 minMatures Oct 2027
1-year CDAPY
4.10%
+$1,025
interest over 1-year
Your bank pays 0.38%+3.72% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.1% APY.
28
BU
BU
Banesco USA
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.10%
+$1,025
interest over 1-year
Your bank pays 0.38%+3.72% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4.05% APY.
29
AF
AF
America First FCUTrusted
NCUA insured$500 minMatures Oct 2027
1-year CDAPY
4.05%
+$1,012
interest over 1-year
Your bank pays 0.38%+3.67% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.05% APY.
30
TB
TB
TAB Bank
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.05%
+$1,012
interest over 1-year
Your bank pays 0.38%+3.67% higher APY
Our takeWith requirement and a range of terms, nearly anyone can find a Capital One CD that works for them.
31
CO
CO
Capital OneTrusted
FDIC insuredNo minimumMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeVio Bank's is lower than many other banks. Plus, the deposit requirement is the same for all accounts, making them much more accessible to a variety of savers with different goals.
32
VB
VB
Vio BankTrusted
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4% APY.
33
QB
QB
Quontic Bank
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $250 minimum — earns 4% APY.
34
SE
SE
State Employees' Credit Union
NCUA insured$250 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4% APY.
35
BC
BC
Bank5 Connect
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4% APY.
36
FI
FI
First Internet Bank of Indiana
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4% APY.
37
CB
CB
CIT Bank
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4% APY.
38
GB
GB
Goldwater Bank
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $10,000 minimum — earns 4% APY.
39
SF
SF
Salem Five Direct
FDIC insured$10,000 minMatures Oct 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 3.85% APY.
40
SB
SB
State Bank of India California
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
3.85%
+$962
interest over 1-year
Your bank pays 0.38%+3.47% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 3.75% APY.
41
PB
PB
Presidential Bank
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
3.75%
+$938
interest over 1-year
Your bank pays 0.38%+3.37% higher APY
Our takeSolid if you can commit 1-year and meet the $100 minimum — earns 3.7% APY.
42
RS
RS
Ridgewood Savings Bank
FDIC insured$100 minMatures Oct 2027
1-year CDAPY
3.70%
+$925
interest over 1-year
Your bank pays 0.38%+3.32% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 3.69% APY.
43
PB
PB
Peak Bank
FDIC insured$500 minMatures Oct 2027
1-year CDAPY
3.69%
+$922
interest over 1-year
Your bank pays 0.38%+3.31% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 3.66% APY.
44
NB
NB
NBKC BankTrusted
FDIC insured$1,000 minMatures Oct 2027
1-year CDAPY
3.66%
+$915
interest over 1-year
Your bank pays 0.38%+3.28% higher APY
Our take1-year CD with no minimum, earning 3.65% APY — 135 bps below our top pick.
45
AE
AE
American ExpressTrusted
FDIC insuredNo minimumMatures Oct 2027
1-year CDAPY
3.65%
+$912
interest over 1-year
Your bank pays 0.38%+3.27% higher APY
Updated October 7, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: CD Gap Index·Advertising disclosure
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What happens when a CD matures?
Most CDs automatically renew for the same term at the current rate unless you withdraw within the grace period (typically 7–10 days).
Can I lose money in a CD?
No, as long as the bank is FDIC insured. If you withdraw early, you pay a penalty — typically 3–6 months of interest — but your principal is protected.
Are CD rates fixed?
Yes. The rate is locked when you open the CD and does not change for the term.
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