best certificate of deposit rates in usa

With a Certificate of Deposit account you know exactly what interest rate To find a Chase ATM or branch near you, tell us a ZIP code or an address. The National Average is based on the APY average for certificate of deposit accounts with a minimum balance of at least $2,500 offered by the top 50 US banks . Competitive interest rates, with a guarantee for the duration of the CD—see our rates. $0 monthly maintenance fee. Best.

Best certificate of deposit rates in usa -

Bank Name
As Of
Best Rate
 (APY)
Term for listed
CD Rate
1st Source Bank of South Bend, Indiana (IN)
11/25/08
4.51%
2 Years
 AbleBanking11/6/12
1.45%
4-years
ABN Amro North America


Addison Avenue Federal Credit Union
7/15/09
1.60%
1-Yr
Advanta Bank Corp
9/3/07
5.40%
18 months
AIG Bank
11/30/10
2.20%
60 months
Allied First Bank of Naperville, Illinois (IL)
1/7/09
4.50%
4 years
AloStar Bank of Commerce becoming Nexity Bank7/12/11
1.27%
12 months
Ally Bank  (formerly GMAC Bank - Story)
5/23/09
2.80%
1 Yr
AmTrust Direct7/25/07
5.41%
1 Year
Apple Bank
2/28/08
3.75%
1, 2 & 5 yrs
Ascencia Internet Bank Louisville, Kentucky (KY) PBI Bank
4/26/11
1.51%
2 yrs
 Astoria Federal Savings Bank
6/9/11
2.255%
4-years
Aurora Bank, FSB in Wilmington, Deleware (DE)
7/28/09
1.71%
6 monthsBank of America9/9/09
3.01%
5 years
 Bank of Baroda
11/24/12
0.60%
1 year
Bank of Hawaii (Bankoh)



Bank of Internet USA11/09/101.15%
6-mo CD
Bank of Ireland
11/24/10
3.00%
1-Yr
Bank of the West
11/09/07
1.48%
1 YR CD
BankUnited of Florida
8/17/12
1.00%
3-years
Bancwest Corp.


Barclays Bank
5/29/121.25%
2 year CD
BBCN Bank
11/6/12
1.00%
12-month CD
BB&T Corp.


BNP Paribas Bank



Borel Private Bank & Trust Company



Capital One 360 Bank
08/20/18
3.00%
5 Years
Capital One Financial Corp.


Cattleman's National Bank Corporation



Centennial Bank, Fountain Valley, Calif. (CA)5/8/08
4.13%
3 years
Charles Schwab Corp.


 Chase Bank
11/28/12
1.01%
120 months
Christian Community Credit Union11/15/10
2.90
5-yrs
CIT Bank
10/13/15
1.30%
1 year
Citibank9/9/09
3.44%
5-years
Citizens Bank - Citizens Financial Group, Inc


Champion Bank  of St. Louis, Missouri (MO)


Colorado Federal Savings Bank; Greenwood Village, Colorado (CO)
8/26/13
1.00%
1 year CD
Commerce Bancorp, Inc.



Comerica Bank10/29/08
3.75%
6 to 10 years
Connexus Credit Union4/11/16
1.33%
 1-year CD
Countrywide Bank 03/06/084.10%
6 months
Corus Bank
2/24/09
2.73%
5 - yrs
CTBC Bank 5/18/15
1.10%
15 months
Discover Bank, New Castle, Delaware (DE)
9/7/09
3.85%
10 Years
Dollar Savings Direct (NY)   866-395-86936/12/17
1.25%
6 months
Doral Bank12/9/13
1.50
5 year
Downey Savings
10/29/08
4.15%
12 months
E-Loan5/4/08
4.60%
5 Years
E*Trade Bank
12/13/07
5.25%
6 Months
Eastern Savings Bank
3/10/08
3.70
2 years
Ever Bank of Jacksonville, FL
2/27/18 2.30%
2.5 years
Excel National Bank2/10/08
4.00%
3, 6 & 12 months
FHLB
12/14/07
5.74%
Matures 2023
First Century Bank, N.A. Gainesville, Georgia (GA)
11/09/09


Fifth Third Bancorp


 First National Bank
9/2/14
1.61%
60 Months




First Niagara Bank
1/26/12
0.20%
30 months
First Republic Bank
12/22/04
4.85%
4-mo Liquid CD
Flagstar Bank 
12/07/07
5.01%
2 years
 Flagstar Bank Direct
08/03/10
1.25%
6 months
Florida Bank, Florida (FL)







FNBO Direct9/2/14
1.15%
60 Months
Fremont Bank
10/12/12
0.75%
5 years
Fultdirect.com Herndon, Virginia (VA)
12/21/08
3.57%
6 months
Geauga Savings Bank, Newbury, Ohio (OH)
8/8/08
4.41%
2 years
 GE Capital Retail Bank
4/28/13
1.05%
1 Year
Golden 1 CU11/10/10
2.15%
5 Years
 Goldman Sachs Bank 
2/27/18
2.05%
1 Year
Goldwater Bank; Scottsdale, Arizona (AZ)
12/02/09
2.99%
3 years
GMAC Bank  now
11/06/08
5.15%
5-years
Golden Bay Federal Credit Union7/25/07
4.54%
5 Years
Harris Financial Corp.


Herigage Bank NA
10/04/10
2.10%
5-yr CD
HSBC Bank9/9/09
2.00%
12 months
iGObanking - Lake Success, New York (NY)8/26/13
2.05%
5 years
Imperial Capital Bank, LaJolla, California (CA)
8/28/08
4.10%
 6 month
Incredible Bank4/26/11
1.30
1 year
Indymac Bank
12/31/07
5.05%
6 months
ING Direct
12/15/09
2.00%
1 Year
IB: Innovative Bank
6/30/09
2.15%
12 Months
Intervest National Bank10/24/093.05%
4 years
J.P. Morgan Chase Bank
11/28/12
1.01%
10 Year CD
Keycorp


LA Financial Credit Union
03/06/08
4.75%
5 years
Lone Star Bank - Houston, Texas (TX)
7/28/09
3.35%
4 Years
Luther Burbank Savings
2/15/11
1.30%
12 Months
 Marcus by Goldman Sachs Bank
2/27/18
2.60%
5 years
Marshall & Ilsley Corp. (M&I Bank)12/31/07
4.00%
6 Months
M&T Bank6/24/08
4.00%
3 Years
Mechanics Bank
5/12/12
1.05%
60 mo. (5 yrs.)
 Melrose Credit Union
4/28/13
1.96%
5 Years
Meriwest Credit Union
4/21/08
7.50%
12 Months
MetLife Bank of Bridgewater, New Jersey (NJ)9/7/09
2.15%
18-months
Metropolitan National Bank
06/14/10
2.50
3-years
Millennium Bank
10/17/07
8.75%
5 years
 National Bank of Kansas City Missouri (MO)
1/13/10
2.75%
3-yearsNational City Bank5/18/08
4.55%
3 years
Nationwide Bank
12/10/12
1.80%
5 years
 Navy Federal Credit Union
2/24/09
4.60%
30 Months
NetBank7/25/07
5.40%
18 Months
New Dominion Direct Bank3/10/08
3.77%
6 month
NexBank12/09/12
1.60%
5 years
Nexity Bank, Birmingham, Alabama (AL)
5/24/11
1.12%
6 months
 newDominionDIRECT.com
7/6/09
2.40%
24 months
Northern Trust Corp.


Nova Bank in Philadelphia, PA
06/14/101.75%
18 Months
Old National Bank


OnBank, Oakfield, New York (NY)
6/13/08
4.15%
2 years
OneWest Bank, FSB
5/24/11
2.14%
4 years
Orchard Bank



Pacific Mercantile Bank
4/27/11
1.26%
1 Year
Pacific Premier Bank
8/28/09
2.55%
2 years
Pacific Western Bank
8/5/14
1.05%
11-Months
PNC Financial Services Group



Pentagon Federal Credit Union (PenFed CU)
12/31/075.25%
7 Years
Popular, Inc.


Presidential Bank, FSB of Bethesda, Maryland (MD)
1/14/09
3.25%
2 Years
Rabobank: Amgen Tour of California Sponsor
2/21/09
2.53%
1 Year
Regions Bank 



Ridgewood Bank7/25/07
5.20%
30 Months (2.5 yrs)
Sallie Mae Bank5/7/2010
3.00%
5-yrs
Santander Bank
1/28/18
1.71%
Money Fund
Saxo Bank - Amgen Tour of California Team



Security Savings Bank7/25/07
5.20%
17 Months
Security Service Federal Credit Union
6/9/11
3.50%
7 years
South Carolina Bank and Trust



 Star One Credit Union
3/11/08
2.40%
1 & 2 Years
State Street Corp.


 Stonebridge Bank
7/9/10
3.0%
5-years
Suntrust Banks, Inc.
11/10/10
2.00%
63 Months
State Bank of India, New York, NY & Chicago
2/1/10
1.76%
1 year
State Employees Credit Union Raleigh, NC.11/10/10
2.50%
5 yrs
  Synchrony Bank
8/20/18
2.65
2 yrsTaunus Corp.



Tennessee Commerce Bank in Franklin, Tennessee, (TN)4/27/11
2.15%
3-years
Torrey Pines Bank3/21/12


The Golden1 CU11/10/10
2.15%
5 Years
 TAB Bank - Transportation Alliance Bank  08/15/11
2.06%
4 years
TriState Capital Direct - Pittsburgh, Pennsylvania (PA)
7/28/09
2.50%
2-yearsUFBDirect.com12/15/09
1.55%6 Month CD
UmbrellaBank.com
9/7/09
2.15%
12 months
Union Bank
11/9/11
0.50
2-years
United Americas Bank, Atlanta Georgia (GA)
12/02/09
1.60%
6-months
 USAA   9/8/10
3.92%
7-years
U.S. Bancorp


US Bank
2/7/10
3.10%
59 Months
 Valley National Bank
10/12/12
0.66%
72 Months
Vanguard  Valley Forge, Pennsylvania (PA)
7/25/07
5.25%
Daily Savings
VirtualBank, Palm Beach Gardens, Florida (FL)
11/4/08
4.45%
1 Year
Wachovia Bank
8/28/09
1.50%
19 months
Washington Mutual - WaMu
7/1/09
2.00%
2-YEARS
Wells Fargo Bank
9/9/09
2.00%
25 months
World Savings
11/04/07
N/A
Bought by Wachovia
Xenith Bank



Zions Bancorporation


Zions Bank Salt Lake City, Utah (UT)
8/26/13
0.80%
5 years
Источник: http://verybestcdrates.com/
  NerdWallet.com

Rates on certificates of deposit are finally rising. If you’re looking to kick-start your savings strategy, consider adding CDs to the mix.

CDs are seen as safe bets for saving or investing since they are federally insured and returns are guaranteed. And when CD rates go up, as they have in the past year, you’ll earn more money.

“It’s important for people who’ve been disappointed by CDs in the past to bring them back into their rotation,” says Robert Frick, corporate economist at Navy Federal Credit Union.

But locking up funds in CDs

for months or years isn’t the best move for everyone. Here’s a closer look at why CD rates have climbed, and whether getting one right now makes sense for you.

More:Got a summer job? 5 smart things to do with your earnings

More:Saving enough? 3 questions to answer that will help grow your retirement nest egg

More:Personal savings: 40 pretty easy ways to spend less money

CD rates are climbing

CD rates took a big hit after the financial crisis, and they have remained low for a while. That started to change at the end of 2015, when the Federal Reserve made the first of several rate increases. Fed rate hikes are one of many factors banks and credit unions consider when setting rates.

While the national average rates rise gradually, online bank CDs have been skyrocketing. A NerdWallet analysis found that the average one-year CD rate across five online banks climbed from 1.46% to 2.20% annual percentage yield, or APY, in the past 10 months alone. That’s an increase of about 50%. (Check out NerdWallet’s list of the best CD rates available right now.)

CDs work best in certain situations

Top CD rates are typically higher than the best rates on savings accounts. The best five-year CDs, for example, can come with rates near or even above 3%. Rates on the best savings accounts, meanwhile, currently max out at about 2%.

But just because CDs tend to offer some of the highest guaranteed returns doesn’t automatically make them the best home for your savings or investments.

“You can go golfing with a baseball bat, but it doesn’t work as well as clubs,” says Derek Brainard, manager of Education Services at the Center for Education and Financial Capability at AccessLex Institute. Similarly, “a lot of people think of CDs for investing goals, but they might not be the most appropriate.”

Brainard says CDs can work well in the following three scenarios:

Protecting savings: These may include saving for a down payment on a home or car. Whatever the goal, the money won’t be used for years and can stay safely out of reach in CDs. (If you have savings goals but don’t want to lose access to your money, consider high-yield savings accounts instead.)

Building short-term wealth: CDs with short terms, such as one or two years, can make sense if there’s a plan to later invest that money. For example, if you want to invest a large sum in the market, you might spread out when you buy stocks or funds over time using a popular investing strategy called dollar-cost averaging. The money waiting to be invested could go into CDs to earn more interest than it would in a regular savings account.

Ensuring returns without risk: Investing in long-term CDs is generally best for people, typically retired, who want to avoid risking their money in the stock market. They also want to stop their savings from eroding because of inflation.

CDs have some drawbacks

If rates sound good right now and CDs work for your situation, be sure that you’re comfortable with two potential downsides.

Early withdrawal penalties. If you end up needing money that’s in a CD and you withdraw it before the term expires, there’s usually a penalty that cancels out some or all the interest you’ve earned.

For that reason, it’s best to let CDs expire naturally. Another solution: find a bank that offers no-penalty CDs where you can withdraw funds without losing the initial deposit or interest.

Missed opportunities for higher rates later. CDs generally have fixed interest rates. Being able to lock in a high APY now means you don’t have to worry about rates dropping. But if rates keep rising, you risk losing out on higher returns.

“There’s an opportunity cost when rates go up,” says Mario Hernandez, certified financial planner and principal at Gemmer Asset Management.

“Make your CD use based on your goals and less on economic conditions,” Brainard says. “And that goes for any investment.”

CD ladders can minimize the downsides

CD ladders can be a useful strategy in a rising-rate environment.

A CD ladder is a way to spread out a large amount of money into multiple CDs of varying term lengths, such as one year, two years and three years. When each CD expires, you either withdraw funds if you need them or reinvest in another CD. If your bank has raised rates since you started the ladder, you benefit from higher rates with each new CD.

“My advice is always to ladder CDs,” Frick says. “That said, if there’s an attractive long-term rate that suits your portfolio — maybe it comes due when you’ll need a new car or have to pay a college bill — by all means take advantage of it.”

More from NerdWallet:

Spencer Tierney is a writer at NerdWallet. Email: [email protected] Twitter: @SpencerNerd.

NerdWallet is a USA TODAY content partner providing general news, commentary and coverage from around the Web. Its content is produced independently of USA TODAY. The article Are Certificates of Deposit Worth It Right Now? originally appeared on NerdWallet.

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Источник: https://www.usatoday.com/story/money/personalfinance/lifestages/2018/07/01/are-certificates-of-deposit-worth-it-right-now/36295599/
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