discover 5 year cd rates

Find the CD rate that fits your savings goal. With a CD, you choose your terms – from 6 months to 5 years – for a locked-in rate. The longer your term. 1 Year CD, 0.30%, 0.30%, 180 Days Interest. 18 Months CD, 0.45%, 0.45% 5 Year CD, 0.75%, 0.75%, 180 Days Interest. 6 Month Youth CD Share / CD Rates. If you're looking for competitive CD rates, Discover Bank is worth a look. 1 year to less than 4 years: six months' worth of simple interest; 4 to 5.

Discover 5 year cd rates -

Discover Bank CD Rates

Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers.

With the turmoil in the financial markets from the coronavirus pandemic, plenty of investors are looking for a safe haven for at least part of their portfolios. It’s an excellent idea too.

CDs are the perfect way to add stability to your overall financial plan and protect cash for future stock purchases.

Discover Bank – so well-known for its credit cards – also offers some of the most aggressively priced CD rates in the industry. Once you check out Discover Bank CD rates, you’ll see that it’s one of very the best investments to park your cash for safekeeping.

And if you are already a Discover credit cardholder, you’ll find the arrangement even more convenient.

Discover Bank CD Rates (Updated Daily)

Discover CD rates and IRA CD rates are as follows:

Today’s Rates:
Discover Bank CDs

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Discover Bank CDs

Discover Bank offers certificates of deposit with terms ranging from three months to as long as 10 years. That’s important because many banks don’t exceed five years on their CDs. As you’ll see below, the interest rate return becomes progressively higher the longer the CD term runs. The initial minimum required investment for each certificate is $2,500.

There are no fees involved with Discover Bank CDs. That means you’ll retain every dollar of interest you earn on your certificate.

CDs are an excellent way to earmark funds for specific spending purposes. For example, if you plan to buy a house in five years, you can save money in CDs.

Your initial deposits can be set up in a five-year CD. In the second year, you can fund a four-year CD, and so on. It’s a way to keep your money completely safe – for the intended purpose only – and earning money along the way. Few other investments are so effective at saving for medium-term goals.

Discover Bank IRA CDs

Discover Bank gives you the option to choose CDs for either a traditional or Roth IRA account. If you choose a traditional IRA, your contributions to the plan and the CDs will generally be tax-deductible. The interest you’ll earn on your CDs within the traditional IRA will accumulate on a tax-deferred basis.

If you choose to set up a Roth IRA CD account, your contributions will not be tax-deductible. However, the interest on the CD will accumulate on a tax-deferred basis. But if you retain the account until you’re at least 59 ½ years old and have participated in the Roth IRA for a minimum of five years, you could make withdrawals from the account that will be completely tax-free.

Whichever type of Discover Bank IRA CD you choose, Roth or traditional, you will be able to contribute up to $6,000 per year, or $7,000 if you are 50 or older.

Discover Bank CD Features

Minimum Initial Investment$2,500
Interest Compounding FrequencyDaily
Fees$0; $30 outgoing wire fee for funds transferred out of the certificate.
Discover Mobile AppMonitor and manage your Discover Bank CDs (and other Discover products) from the Discover mobile app; available for both iOS and Android devices.
CD Maturity Procedures30 day notice prior to CD maturing. After the maturity date, you’ll have a 9-day grace period to make a change to your CD without incurring a penalty. CD will automatically renew if you do not liquidate within the grace period.
Early Withdrawal PenaltiesYes, see below.

Early Withdrawal Penalties

CD TermPrepayment Penalty
Less than one year3 months simple interest
One year to less than four years6 months simple interest
Four years to less than five years9 months simple interest
Five years to less than seven years18 months simple interest
Seven years to 10 years24 months simple interest

How to Open a Discover Bank CD

You can open a Discover Bank CD directly from the Discover Bank website or mobile app. If you’re already a Discover customer, you can simply log into your existing account. But if you’re new to Discover and simply want to open a CD, you’ll need to open an account.

Start by entering personal information, including your full name, Social Security number, date of birth, and your mother’s maiden name. You’ll also need to provide information to verify your identity, as requested in the application, and sign any required disclosures.

Once you enter the basic information, you’ll then choose the account type you want to open. As a CD, you’ll choose the CD term as well as the amount of your initial investment.

Funding your Discover CD

You can fund your Discover Bank CD by transferring funds from another bank, either by phone or by online transfer. But you can also write a check to yourself, and send it to Discover Bank.

Future funding of your Discover Bank CDs can use any of the above methods, but can also be accomplished by a mobile check deposited into your account.

As is the case with nearly all CDs, once you fund a certificate, you will not be able to add additional funds to that CD. Any new funds invested in Discover Bank CDs will need to be moved into a new certificate.

About Discover Bank

Based in Southfield, Michigan, Discover Bank got its start back in 1985, where it was originally launched as part of the Sears organization. The bank operates as an all-online financial services provider, so if you’re looking for local branches you won’t find any. That shouldn’t be a cause for concern, since virtually all banks today are online, and most new banks are similarly operating entirely online.

Best known for its credit cards, Discover offers some of the best rewards credit cards in the industry, under the “Discover it” name.

But Discover has expanded well beyond its award-winning credit card products, and now offers full-service banking. In fact, it’s grown to providing $403 billion in financial services of all kinds to its customer base.

That includes a comprehensive lineup of Discover Bank CDs. Discover CD rates are among the highest in the industry, and well worth investigating if you want to add high interest, completely safe savings instruments to your portfolio.

Other Discover Bank Products

Earlier I mentioned that Discover offers some of the very best cashback credit cards in the industry. That may be what they’re best known for, but in addition to CDs, they also provide the following banking products:

As you can see, even though Discover Bank is an online bank, they provide full-service banking to go along with your Discover Bank CD.

Final Thoughts on Discover Bank CD Rates

CDs serve several critical purposes in every person’s financial situation. Most important, they can provide a corner of your investment portfolio that’s completely safe. But on a more practical level, they’re also the perfect savings vehicles to accumulate funds for an upcoming spending plan.

You may already have CDs at your local bank or credit union. But if you do, it’s unlikely they’re paying rates remotely close to what Discover Bank is paying on their CDs. You can open a CD (or several CDs) with Discover Bank with as little as $2,500.

And since it’s an online bank operating nationally, geography is not a limitation. You can invest in a Discover Bank CD no matter where you live.

Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Источник: https://millennialmoney.com/discover-bank-cd-rates/
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What is the minimum deposit amount to open my Certificate of Deposit (CD)?

As a benefit of your AAA membership, there is no minimum opening deposit amount.

How can I fund my CD Account?

You can fund your CD Account in the following ways:

  • Online transfer from an eligible Discover Bank Account or an external bank account
  • Phone Transfers (available for initial funding only)
  • Mail a check that includes your CD Account number, made payable to you to:
    Discover Bank
    PO Box 30417
    Salt Lake City, UT 84130

*Please note that Travelers Checks will not be accepted for deposit.

What is the Discover Bank routing number?

The Discover Bank routing number is 031100649. It is used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another financial institution within the U.S.).

How do I send a wire transfer?

Follow the steps below to send an outgoing wire transfer. Please make sure your request is submitted at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing can be completed; allow additional time if mailing your request.

International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day.

As a reminder, all wire transfer requests require verbal authorization before they can be processed. Once you submit your request, you must call us to authorize it. Failure to do so will result in longer processing times and a possible cancelled request.

You can submit a wire transfer request through the Account Center, or by downloading, completing, and submitting the paper form.

Submit Online

Download Form

Once you have completed your Wire Transfer Request Form, you can submit it through any of the following methods:

  • Upload the form through Secure Document Upload
  • Fax the form to 1-224-813-5213, Attention "Wire Transfer Request"
  • Mail the form to Discover Bank, PO Box 30417, Salt Lake City, UT 84130
How do I receive a wire transfer?

For domestic wire transfers (from another bank in U.S.), please wire funds to:

  • Beneficiary Bank: Discover Bank
  • ABA/Routing Number: 031100649
  • Beneficiary Bank Address (if required): 502 Market Street, Greenwood DE 19950
  • Beneficiary Name: Your name (as it appears on your Discover Bank account)
  • Beneficiary Account Number: Your Discover Bank account number

For international wire transfers (from another bank outside the U.S.), please wire funds to:

  • Beneficiary Bank: Bank of New York Mellon
  • ABA/Routing Number: 043000261
  • SWIFT Code: IRVTUS3N
  • Beneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258
  • Beneficiary Name: Discover Bank
  • Beneficiary Account Number: 9914394
  • For Further Credit to: Your name (as it appears on your Discover Bank account) and your Discover Bank account number

Wire transfers received before 4:00 PM ET will be posted to your account on the business day we receive them.

Wire transfers received after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received.

Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-2683.

What fees and service charges are associated with my CD Account?

We do not charge any account-related fees, however, there is a $30 Wire Transfer Service Charge for outgoing wires as well as early withdrawal penalties, which are outlined below.

For CDs opened or renewed through 3/14/13

  • <1 year: 3 months simple interest on principal amount withdrawn
  • 1 year-5 years: 6 months simple interest on principal amount withdrawn
  • 6+ years: 9 months simple interest on principal amount withdrawn

For CDs opened or renewed from 3/15/13 through 2/16/14:

  • <1 year: 3 months simple interest on principal amount withdrawn
  • 1 year-3 years: 6 months simple interest on principal amount withdrawn
  • 4 years-6 years: 9 months simple interest on principal amount withdrawn
  • 7+ years: 15 months simple interest on principal amount withdrawn

For CDs opened or renewed on or after 2/17/14:

  • <1 year: 3 months simple interest on principal amount withdrawn
  • 1 year-3 years: 6 months simple interest on principal amount withdrawn
  • 4 years: 9 months simple interest on principal amount withdrawn
  • 5 years-6 years: 18 months simple interest on principal amount withdrawn
  • 7+ years: 24 months simple interest on principal amount withdrawn

*Please note that in some cases, the Early Withdrawal Penalty may reduce the principal in the CD.

Is the CD Account FDIC-insured?

Yes, funds on deposit at Discover Bank are FDIC-insured up to the maximum allowed by law. For more information, visit the FDIC website.

Can I find my CD maturity date online?

Yes. Click here to log into your account. Once logged in, select your CD Account on the "Account Summary" page. Your maturity date will be displayed in the CD account details.

Not registered for the Account Center? Register Now

What happens when my CD matures?

We will send you a notification 30 days before your CD matures. When your CD matures, you may make a deposit or withdrawal and change the term of your CD during the grace period. The grace period lasts for 9 days immediately following the maturity date. Your CD will automatically renew if you don't take any action during the grace period and interest withdrawn on the account will not affect the grace period. Any term change, deposit, or withdrawal of principal during the grace period will end the grace period.

In some cases, the Early Withdrawal Fee may reduce the principal in the CD.

Will I receive a certificate for my CD?

No. You will not receive a certificate for your CD, however, you will receive a welcome kit when you open your account, and you can access your account information anytime via the Account Center. Click here to log in.

Not registered for the Account Center? Register Now

What should I do if I forget my User ID or Password?

Click here to reset your User ID and Password. If you are still unable to log in, call us at 1-888-204-8990 and a Banking Specialist will help you reset your User ID and Password.

What is the minimum deposit amount to open a CD Account?

As a benefit of your AAA membership, there is no minimum opening deposit amount.

Can I open a CD as a Trust or Custodial account?

Yes. We allow a range of account ownership types including Trust, Custodial, Guardian, and Estate. To open one of these account types, please call us at 1-888-204-8990 and a Banking Specialist will assist you.

How can I fund my CD Account?

You can fund your CD Account in the following ways:

  • Online transfer from an eligible Discover Bank Account or an external bank account
  • Phone Transfers (available for initial funding only)
  • Mail a check that includes your CD Account number, made payable to you to:
    Discover Bank
    PO Box 30417
    Salt Lake City, UT 84130

*Please note that Travelers Checks will not be accepted for deposit.

How do I send a wire transfer?

Follow the steps below to send an outgoing wire transfer. Please make sure your request is submitted at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing can be completed; allow additional time if mailing your request.

International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day.

As a reminder, all wire transfer requests require verbal authorization before they can be processed. Once you submit your request, you must call us to authorize it. Failure to do so will result in longer processing times and a possible cancelled request.

You can submit a wire transfer request through the Account Center, or by downloading, completing, and submitting the paper form.

Submit Online

Download Form

Once you have completed your Wire Transfer Request Form, you can submit it through any of the following methods:

  • Upload the form through Secure Document Upload
  • Fax the form to 1-224-813-5213, Attention "Wire Transfer Request"
  • Mail the form to Discover Bank, PO Box 30417, Salt Lake City, UT 84130
How do I receive a wire transfer?

For domestic wire transfers (from another bank in U.S.), please wire funds to:

  • Beneficiary Bank: Discover Bank
  • ABA/Routing Number: 031100649
  • Beneficiary Bank Address (if required): 502 Market Street, Greenwood DE 19950
  • Beneficiary Name: Your name (as it appears on your Discover Bank account)
  • Beneficiary Account Number: Your Discover Bank account number

For international wire transfers (from another bank outside the U.S.), please wire funds to:

  • Beneficiary Bank: Bank of New York Mellon
  • ABA/Routing Number: 043000261
  • SWIFT Code: IRVTUS3N
  • Beneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258
  • Beneficiary Name: Discover Bank
  • Beneficiary Account Number: 9914394
  • For Further Credit to: Your name (as it appears on your Discover Bank account) and your Discover Bank account number

Wire transfers received before 4:00 PM ET will be posted to your account on the business day we receive them.

Wire transfers received after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received.

Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-2683.

Deposits and Withdrawals

How can I fund my CD Account?

You can fund your CD Account in the following ways:

  • Online transfer from an eligible Discover Bank Account or an external bank account
  • Phone Transfers (available for initial funding only)
  • Mail a check that includes your CD Account number, made payable to you to:
    Discover Bank
    PO Box 30417
    Salt Lake City, UT 84130

*Please note that Travelers Checks will not be accepted for deposit.

How do I send a wire transfer?

Follow the steps below to send an outgoing wire transfer. Please make sure your request is submitted at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing can be completed; allow additional time if mailing your request.

International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day.

As a reminder, all wire transfer requests require verbal authorization before they can be processed. Once you submit your request, you must call us to authorize it. Failure to do so will result in longer processing times and a possible cancelled request.

You can submit a wire transfer request through the Account Center, or by downloading, completing, and submitting the paper form.

Submit Online

Download Form

Once you have completed your Wire Transfer Request Form, you can submit it through any of the following methods:

  • Upload the form through Secure Document Upload
  • Fax the form to 1-224-813-5213, Attention "Wire Transfer Request"
  • Mail the form to Discover Bank, PO Box 30417, Salt Lake City, UT 84130
How do I receive a wire transfer?

For domestic wire transfers (from another bank in U.S.), please wire funds to:

  • Beneficiary Bank: Discover Bank
  • ABA/Routing Number: 031100649
  • Beneficiary Bank Address (if required): 502 Market Street, Greenwood DE 19950
  • Beneficiary Name: Your name (as it appears on your Discover Bank account)
  • Beneficiary Account Number: Your Discover Bank account number

For international wire transfers (from another bank outside the U.S.), please wire funds to:

  • Beneficiary Bank: Bank of New York Mellon
  • ABA/Routing Number: 043000261
  • SWIFT Code: IRVTUS3N
  • Beneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258
  • Beneficiary Name: Discover Bank
  • Beneficiary Account Number: 9914394
  • For Further Credit to: Your name (as it appears on your Discover Bank account) and your Discover Bank account number

Wire transfers received before 4:00 PM ET will be posted to your account on the business day we receive them.

Wire transfers received after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received.

Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-2683.

Can I make additional deposits to my CD?

Additional deposits cannot be made during the term of any CD. However, once your CD matures, you can deposit additional funds once during the grace period.

How can I withdraw money from my CD Account?

You can withdraw money from your CD Account in the following ways:

  • After your CD maturity date, there is a grace period of 9 days when you can make changes to your CD, including a withdrawal without an Early Withdrawal Fee. Please note that any term change, deposit, or withdrawal of principal during the grace period will end the grace period.
  • Interest can be withdrawn from your CD at any time without a penalty.
  • Principal withdrawals can be made outside of the grace period, however, an Early Withdrawal Fee will apply
Is there an Early Withdrawal Penalty for removing funds from my Discover Bank CD?

The Early Withdrawal Penalties are as follows:

For CDs opened or renewed through 3/14/13

  • <1 year: 3 months simple interest on principal amount withdrawn
  • 1 year-5 years: 6 months simple interest on principal amount withdrawn
  • 6+ years: 9 months simple interest on principal amount withdrawn

For CDs opened or renewed from 3/15/13 through 2/16/14:

  • <1 year: 3 months simple interest on principal amount withdrawn.
  • 1 year-3 years: 6 months simple interest on principal amount withdrawn
  • 4 years-6 years: 9 months simple interest on principal amount withdrawn
  • 7+ years: 15 months simple interest on principal amount withdrawn

For CDs opened or renewed on or after 2/17/14:

  • <1 year: 3 months simple interest on principal amount withdrawn
  • 1 year-3 years: 6 months simple interest on principal amount withdrawn
  • 4 years: 9 months simple interest on principal amount withdrawn
  • 5 years-6 years: 18 months simple interest on principal amount withdrawn
  • 7+ years: 24 months simple interest on principal amount withdrawn

*Please note that in some cases, the Early Withdrawal Penalty may reduce the principal in the CD

Interest

How do I receive interest from my CD?

You can allow the interest earned to remain in your account and take advantage of compounding or have the interest transferred to an eligible Discover Bank Account.

When will I start earning interest on new deposits?

If we receive your deposit before your Account is opened, interest will begin to accrue on the deposit on the Business Day your Account is opened. Once an Account is opened, interest begins to accrue on a deposit on the Business Day we receive your deposit.

How can I lock in a non-IRA CD interest rate for new CDs?

If we receive your funding deposit within 10 days of submitting your application(including your application date), you will receive the highest interest rate offered on one of these dates: the date you submit your application, the date your account is opened or the date we receive your funding deposit.

If we receive your funding deposit after 10 days, you will receive the current interest rate on the date we receive the funding. Please note that if we don't receive funding within 45 days, your CD Account will be closed.

How is interest on my CD calculated?

Interest is compounded daily and credited to your account monthly.

Источник: http://aaa.discoverbank.com/cd.html
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Money Market and CD Rates

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16 Best Banks With the Highest-Interest CD Rates in 2021

The savings offers that appear on this site are from companies from which MoneyCrashers.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MoneyCrashers.com does not include all savings companies or all savings offers available in the marketplace.

No investment or savings vehicle is entirely without risk, but certificates of deposit (CDs) offer more security and predictability than most.

With fixed or upwardly adjustable interest rates, terms ranging from as short as one month to as long as 10 years, and FDIC insurance up to $250,000 per account, CDs are useful tools for saving funds you don’t need right away — and earning a yield in the meantime.

Although prevailing rates vary widely by bank, CDs tend to have higher yields (better rates) than other types of bank accounts, including checking, ally bank car loan address, or money market accounts.

The biggest drawback of CDs is that many are inflexible, with most banks charging a significant penalty if you withdraw part or all of your funds before the term ends. But some banks now offer special CDs that allow you to make midterm interest — and, in some cases, interest and principal — withdrawals without paying a penalty.

Best Banks for High-Yield CDs (Highest CD Rates)

If you’re on the hunt for above-average CD rates — annual percentage yields, or APYs — take a look at these banks and credit unions.

Unless otherwise noted, all have federal deposit insurance, meaning they’re insured by the FDIC or NCUA, the credit union equivalent. All have fixed interest rates on CDs and reasonable minimum deposit requirements. And most do not charge monthly fees, as is sometimes the case for online savings accounts that allow unlimited withdrawals.


1. CIT Bank

Yields Up to 0.50% APY; Variety of CD Types

CIT Bank is an online savings bank that pays excellent yields on longer-term CDs and offers special high rates on CDs with higher balances.

You can also open savings accounts here, although a lack of discover 5 year cd rates and money market accounts makes CIT Bank less than ideal for day-to-day banking needs.

  • Regular CDs and Rates: CIT Bank offers eight regular CDs: six-month, one-year, 13-month, 18-month, two-year, three-year, four-year, and five-year. Yields apply on all balances above $1,000. The popular one-year and No Penalty CDs both yield 0.30%, with even higher interest rates (up to 0.50% APY) on longer-term CDs.
  • Minimum Initial Deposit Requirement: $1,000 minimum deposit.
  • Special CDs and Rates: CIT Bank has two notable special CD types. First, the No Penalty CD has an 11-month term, during which you can withdraw principal at any time without penalty. Its minimum deposit is $1,000. Second, the Jumbo CD requires a minimum opening deposit of $100,000 and comes in four terms ranging from two to five years, all of which have yields competitive with CIT’s mainline CDs.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: For principal withdrawals christopher banks near me all but the No Penalty CDs, CIT Bank charges an early withdrawal penalty of three months’ interest on terms under 12 months, six months’ interest on terms between 12 and 36 months, and 12 months’ interest on terms above 36 months. You can withdraw interest at any time.
  • Other Features and Considerations: All CDs come with a grace period of 10 days, during which you can roll over into a new term or withdraw principal without penalty.

See our CIT Bank review for more information.

Apply Now


2. Capital One Bank

Yields Up to 1.00% APY With No Minimum Balance Required

Capital One Bank is a full-service financial institution with some of the best CD rates and terms on the market today. The two clear winners here are the 24-month CD (0.70% APY) and the 60-month CD (1.00% APY). Both deliver category-leading yields with no minimum balance required.

  • Regular CDs and Rates: Capital One Bank’s CD terms range from 6 months to 60 months. Rates range from 0.20% APY on the 6-month CD to 1.00% APY on the 60-month, with the standout 24-month CD earning a very solid 0.70% APY.
  • Tax-Advantaged Retirement Account Options: Capital One offers traditional and Roth IRA CDs.
  • Early Withdrawal Penalties: The early withdrawal penalty is 3 months’ interest on CDs with terms under 12 months and 6 months’ interest on CDs with longer terms.
  • Other Features and Considerations: Capital One has a rate lock guarantee for all CDs funded within 10 days of opening.

3. Marcus by Goldman Sachs (Goldman Sachs Bank USA)

Yields Up to 0.80% APY; Low Minimum Balance

Marcus by Goldman Sachs, a subsidiary of Goldman Sachs Bank Bmo harris new years eve hours, is an online-only outfit best known for issuing personal loans for debt consolidation and home improvement. 

Although it’s relatively new to the deposit account game, it’s making up for lost time with some of the best CD rates around.

The high-yield savings account option is nothing to sneeze at, either. To maximize your interest earnings, check out Marcus’ CD laddering options, which promise even higher APYs when properly utilized.

  • Regular CDs and Rates: Marcus offers nine CD options: six-month, nine-month, 12-month, 18-month, two-year, three-year, four-year, five-year, and six-year. Yields range from 0.15% annual percentage rate (APY) on the six-month to 0.80% APY on the six-year, with the heavily promoted 12-month product yielding 0.55% APY and the 60-month product yielding 0.80% APY.
  • Minimum Initial Deposit Requirement: $500 for all CDs.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: You can withdraw a portion of your earned interest at any time without penalty, but Marcus charges for principal withdrawals made any time before maturity. The penalty is 90 days’ interest on CDs with terms under 12 months, 270 days’ interest on CDs with terms between 12 months and 5 years, and 365 days’ interest on the 6-year CD. These policies are subject to change at any time.
  • Other Features and Considerations: You have 30 days to fully fund your CD, with the option to make multiple deposits during that time. There’s a 10-day grace period during which you can roll over your CD into a new term or withdraw principal without penalty. You’re guaranteed the best available rate during these 10 days.

See our Marcus by Goldman Sachs review for more information.

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4. American Express National Bank

Yields Up to 0.55% APY; No Minimum Balance

American Express is far better known for its extensive lineup of credit cards, but don’t sleep on its personal savings arm, which has carved out a name for itself as a purveyor of consistently high rates.

American Express National Bank (member FDIC) is among the country’s most attractive issuers of longer-term CDs, with yields consistently in the top quartile of the best CD rates. Maximize your interest income with easy-to-build CD ladders.

  • Regular CDs and Rates: American Express National Bank has seven different CD options: six-month, 12-month, 18-month, 24-month, 36-month, 48-month, and 60-month. Yields range from 0.10% APY on the six-month CD to 0.55% on the 60-month product as of Jan. 11, 2021.
  • Minimum Initial Deposit Requirement: No minimum deposit or balance requirement.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: You can withdraw interest at any time, but there’s an early withdrawal penalty associated with any withdrawal of principal before maturity. On CDs with terms under 12 months, the early withdrawal penalty is 90 days’ interest. It rises to 270 days’ interest on CDs with terms between 12 and 48 months, 365 days’ interest on CDs with terms between 48 and 60 months, and 540 days’ interest on CDs with terms longer than 60 months. These penalties are subject to change at any time.
  • Other Features and Considerations: There’s a 10-day grace period during which you can roll over your CD into a new term, deposit additional principal, or withdraw principal and interest without penalty. After opening your CD, you have up to 30 days to deposit the necessary funds.

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5. First Internet Bank

Yields Up to 0.95% APY

First Internet Bank, known simply as First IB, is an Indianapolis-based online bank with solid long-term CD yields and several other deposit account types, including high-yield checking, money market, and savings accounts.

First IB’s short-term yields are among the best in the business, so this is a great place to park your money for a year or less.

  • Regular CDs and Rates: First IB has eight different CDs: three-month, six-month, 12-month, 18-month, 24-month, 36-month, 48-month, and 60-month. Rates range from 0.25% APY on the three-month CD to 0.95% APY on the 60-month CD and apply on all balances above the minimum of $1,000.
  • Minimum Initial Deposit Requirement: $1,000 minimum to open.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: You can structure any CD with a term of 12 months or above as a traditional or Roth IRA. Yields are identical to corresponding non-IRA CDs. Money market IRAs are also available.
  • Early Withdrawal Penalties: First IB’s early withdrawal penalties apply to withdrawals of principal only. Depending on the CD term, they can be steep: 90 days’ interest for the three-month CD (in other words, all the interest you would have earned on the CD); 180 days’ interest for terms of six to 18 months; and 360 days’ interest for terms of 24 to 60 months. You can withdraw accumulated interest at any time without penalty.
  • Other Features and Considerations: All First IB CDs come with a 10-day grace period after maturity (a standard period of time for post-maturity grace windows).

See discover 5 year cd rates First Internet Bank review for more information.

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6. TIAA Bank

Yields Up to 0.85% APY

TIAA Bank is the banking arm of TIAA. TIAA got its start offering insurance and other financial products for nonprofit and government employees.

But its deposit accounts — including the CDs featured here, as well as checking, savings, and money market accounts — are available to members of the general public.

As at First IB, TIAA Bank’s short-term yields are off the charts.

  • Regular CDs and Rates: TIAA Bank offers CDs with rates as high as 0.85% APY, depending on term.
  • Minimum Initial Deposit Requirement: Minimum of $1,000 discover 5 year cd rates all Basic CD accounts.
  • Special CDs and Rates: TIAA offers two noteworthy special CD account types. The first, known as CDARS, is an account type that provides FDIC insurance on balances above $250,000. Yields are generally a bit lower than on standard CDs of equal term length. The second, the Bump Rate CD, is a 3.5-year CD that allows you to raise your yield once during the term should prevailing rates rise.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: For all CDs and CDARS, TIAA Bank charges an early withdrawal penalty equivalent to 25% of the total interest you’d earn over the term, regardless of when you ask for your money back. That means you could lose principal if you withdraw early in the CD’s term.
  • Other Features and Considerations: There’s a 20-day maturity alert period, during which you can withdraw funds from your CD without penalty. 

See our TIAA Bank review for more information.

Apply Now


7. Synchrony Bank

Yields Up to 0.85% APY

Synchrony Bank is an online-only financial institution that offers competitive CD yields, especially on longer-term and higher-balance accounts.

You can also hook up savings and money market accounts here, but there are no checking account options.

  • Regular CDs and Rates: Synchrony Bank offers 12 CDs: three-month, six-month, nine-month, 12-month, 13-month, 14-month, 15-month, 18-month, 24-month, 36-month, 48-month, and 60-month. Yields range from 0.15% APY on the three-month to 0.85% APY on the 60-month.
  • Minimum Initial Deposit Requirement: None.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: You can structure any Synchrony Bank CD as a traditional or Roth IRA. Yields may vary.
  • Early Withdrawal Penalties: For both principal and interest withdrawals, Synchrony Bank levies an early withdrawal penalty of 90 days’ interest for CDs with terms of less than 12 months, and 180 days’ interest for terms of more than 12 months.
  • Other Features and Considerations: There’s a 10-day grace period at maturity.

See our Synchrony Bank review for more information.

Apply Now


8. Comenity Direct

Yields Up to 0.90% APY

Comenity Directis a consumer-friendly online bank with excellent yields on short- and medium-term CDs and an unusually high combined FDIC insurance coverage of $10 million per account holder.

Comenity’s flagship one-year CD earns a very strong 0.70% APY, while the two-year CD boasts a yield of 0.75%. For depositors seeking more flexibility, the Comenity Direct high-yield savings account is not to be missed.

  • Regular CDs and Rates: Comenity Direct offers five CDs with terms ranging from one to five years. Rates range from 0.70% APY on the one-year CD to 0.90% APY on the five-year CD.
  • Minimum Initial Deposit Requirement: $1,500 minimum for all CD accounts.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: The early withdrawal penalty is 180 days’ interest for terms under four years and 365 days’ interest for terms of four years or greater.
  • Other Features and Considerations: There’s a 10-day grace period at maturity, after which CDs automatically renew at then-current rates.

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9. Bank5 Connect

Yields Up to 0.85% APY; Low Minimum Balance

Bank5 Connect is an online-only bank that offers shorter-term online CDs with low minimum balances. Its special Investment CD is a good deal if you want to be able to make multiple CD deposits without opening a new account.

You can also find checking and savings accounts here, but retirement options are lacking. The 12-month CD’s industry-leading yield is particularly attractive for short-term savers.

  • Regular CDs and Rates: Bank5 Connect offers five regular CDs, known as Connect CDs: six-month, 12-month, 18-month, 21-month, and 36-month. There are no interest rate tiers here — these rates apply to all balances above the minimum deposit. Yields range from 0.35% APY on the six-month CD to 0.85% APY on the 36-month.
  • Minimum Initial Deposit Requirement: $500 minimum.
  • Special CDs and Rates: Bank5 Connect offers a special Investment CD with a 24-month term. Unlike a regular CD, you can make as many deposits as you wish during this CD’s term. Each new deposit begins earning interest as soon as you make it.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: For all withdrawals (interest and principal), Bank5 Connect charges an early withdrawal penalty of three months’ interest (90 days of interest) on terms under 12 months and six months’ interest (180 days of interest) on terms over 12 months.
  • Other Features and Considerations: If your CD has a balance of over $250,000, it’s covered by the Depositors’ Insurance Fund, a privately funded insurance scheme that protects all deposits at Massachusetts-chartered banks above the FDIC deposit insurance limit.

See our Bank5 Connect review for more information.

Apply Now


10. Ally Bank

Yields Up to 0.80% APY; No Minimum Balance

Ally Bank is a popular online-only bank that offers solid regular CD yields and special CDs with flexible features and top rates for their respective categories.

It also has a full range of deposit accounts, including high-yield checking, savings, and money market accounts, plus an auto lending arm and 24/7 customer service.

  • Regular CDs and Rates: Ally Bank offers seven regular CDs: three-month, six-month, nine-month, 12-month, 18-month, three-year, and five-year. Yields range from 0.20% APY on the three-month CD to 0.80% APY on the five-year.
  • Minimum Initial Deposit Requirement: No minimums or maximums on any CDs, including special CDs, but some CDs incentivize higher opening deposits with high yields for the term.
  • Special CDs and Rates: Ally offers two special CD types. The No Penalty CD comes with an 11-month term and yields marginally less than regular CDs with equal terms, subject to rate tiers (yields increase in proportion to the balance). You can withdraw principal and interest at any time from this CD without penalty. The Raise Your Rate CD comes with a term of two or four years. If Ally increases its posted interest rates on new CDs with the corresponding term length during your term, you have the option to raise your own CD’s rate to the new rate either once (for the two-year CD) or twice (for the four-year CD). Raise Your Rate products’ yields are competitive with regular Ally CDs.
  • Tax-Advantaged Retirement Account Options: You can structure any regular Ally Bank CD as a traditional, Roth, or SEP IRA.
  • Early Withdrawal Penalties: Regular and Raise Your Rate CDs come with early withdrawal penalties ranging from 60 days’ interest to 150 days’ interest, but you can withdraw interest at any time.
  • Other Features and Considerations: There’s a 10-day grace period upon maturity. Ally Bank also offers a 10-day rate guarantee on all CDs, including special ones. If rates on new CDs with a particular term rise within 10 days after you open a CD with that term, you’ll lock in the higher rate until maturity.

See our Ally Bank review for more information.

Apply Now


11. Sallie Mae Bank

Yields Up to 0.70% APY

Sallie Mae is famous for its lineup of undergraduate and graduate student loans, but it also has a banking arm that offers excellent yields on medium- and longer-term CDs, starting at about the one-year CD.

You can also open money market and savings accounts with competitive yields here, plus the goal-oriented SmartyPig account, which incentivizes regular savings. Sallie Mae Bank’s short-term yields are noteworthy.

  • Regular CDs and Rates: Sallie Mae Bank offers 11 CD options: six-month, nine-month, 11-month, 12-month, 13-month, 15-month, 18-month, 24-month, 30-month, 36-month, and 60-month. Yields apply on all balances above the minimum deposit of $2,500 and range from 0.30% APY on the six-month CD to 0.60% or 0.70% APY on the longer-term products.
  • Minimum Initial Deposit Requirement: $2,500 to open.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: For CDs with terms of 12 months or less, Sallie Mae levies an early withdrawal penalty equal to 90 days’ interest. For CDs with longer terms, the penalty is 180 days’ interest. These penalties apply to principal withdrawals only. You can withdraw interest at any time.
  • Other Features and Considerations: All CDs come with a 10-day grace period at maturity.

Apply Now


12. My eBanc

Yields Up to 0.65% APY; Multiple CD Options

My eBanc is the online arm of BAC Florida Bank, a Miami-based company that caters to international depositors in Latin America and the Caribbean.

All of its accounts — including CDs, checking, savings, and money market accounts — are available to U.S. customers too, with exceptional short-term yields.

BAC Florida Bank refers to its CDs as “Time Deposits.”

  • Regular CDs and Rates: My eBanc offers five regular Time Deposits: six-month, 12-month, 18-month, 24-month, and 36-month. Yields apply on all balances above the $5,000 minimum and range from 0.40% APY on the six-month product to 0.65% APY on the 24- and 36-month CDs.
  • Minimum Initial Deposit Requirement: For regular Time Deposits, the minimum opening deposit is $5,000. Higher minimum deposits apply to Jumbo and Flex products (described below).
  • Special CDs and Rates: My eBanc has two specialty products: Jumbo Time Deposits and Flex Time Deposits. Jumbo Time Deposits require a minimum opening deposit of $100,000 but otherwise mirror regular Time Deposits’ yields and terms. The single Flex Time Deposit option is a 12-month product with a mediocre yield. You’re allowed two withdrawals during this term, up to the cumulative principal and interest earned to date. The Flex Time Deposit requires a minimum opening deposit of $10,000.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: BAC Florida Bank charges three months’ interest for early withdrawals (principal and interest) on Time Deposits with terms of 12 months or less, and six months’ interest on withdrawals from Time Deposits with terms above 12 months. When your Time Deposit matures, you can receive the accrued interest even if you choose to roll it over into a new term.
  • Other Features and Considerations: All Time Deposits come with a 20-day grace period at maturity.

Apply Now


13. Discover Bank

Yields Up to 1.00% APY

Owned by Discover Financial Services, which also oversees the Discover family of credit cards,Discover Bank features a wide range of CD terms with attractive yields.

It also offers savings bbva english customer service money market accounts, plus 24/7 customer service and access to about 60,000 fee-free Discover 5 year cd rates nationwide.

If your credit qualifies, check out Discover’s lineup of cash-back and travel rewards credit cards, like the Discover it Cash Back Card and the Discover it Miles Credit Card.

  • Regular CDs and Rates: Discover Bank offers 12 www efirstbank com online banking CDs: three-month, six-month, nine-month, 12-month, 18-month, 24-month, 30-month, three-year, four-year, five-year, seven-year, and 10-year. Yields range from 0.20% APY on the three-month CD to 1.00% APY on the five-year, seven-year, and 10-year products.
  • Minimum Initial Deposit Requirement: Minimum of $2,500.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: You can structure any CD as a traditional or Roth IRA.
  • Early Withdrawal Penalties: Discover Bank allows you to withdraw accumulated interest at any time without penalty. However, if you want to withdraw any of your CD’s principal, you must pay an interest penalty. Penalties are three months’ interest on terms under 12 months, six months’ interest on terms between 12 and 36 months, nine months’ interest on the four-year CD, 18 months’ interest on the five-year CD, and 24 months’ interest on the seven- and 10-year CDs.
  • Other Features and Considerations: For non-IRA CDs, Discover Bank offers a 10-day rate guarantee. However, this option isn’t available with IRA CDs. At maturity, there’s a nine-day grace period where you can decide whether to roll over the CD into an identical term, change its term, or withdraw your funds entirely.

See our Discover Bank review for more information.

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14. Barclays

Yields Up to 0.25% APY; Very Low Minimum Balance

Barclays Bank offers nine longer-term CDs that can go head-to-head with comparable products from virtually any competing deposit institution.If you need a more flexible option, the high-yield savings account is fantastic too.

And Barclays has a nice CD laddering option for customers looking to spread their savings across multiple accounts and maximize their interest earnings.

  • Regular CDs and Rates: Barclays has nine CD options: three-month, six-month, nine-month, 12-month, 18-month, 24-month, 36-month, 48-month, and 60-month. Yields range from 0.10% APY on the three-month CD to 0.25% APY on the 12-month, 18-month, and 24-month products.
  • Minimum Initial Deposit Requirement: None, but your deposit must be sufficient to earn interest at computed rates.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: You can withdraw interest at any time without penalty. /Barclays charges 90 days’ interest for early principal withdrawals on CDs with terms under 24 months and 180 days’ interest on CDs with longer terms. These penalties are subject to change at any time.
  • Other Features and Considerations: There is a 14-day grace period during which you can withdraw principal and interest without penalty or roll your CD over into a new term. Barclays has discover 5 year cd rates 30-day maturity alert window, meaning you have up to 44 days to decide what to do with each maturing CD.

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15. AbleBanking

Yields Up to 0.20% APY; supports a charitable organization of your choice

AbleBanking is the Maine-based online arm of Northeast Bank, which has physical branches in New England.

AbleBanking is unusual for its focus on supporting charitable and religious organizations. It’s the only known bank that pays each customer’s account opening bonus to the charity of their choosing, for instance.

In addition to CDs with competitive rates, you can also find money market accounts here.

  • Regular CDs and Rates: AbleBanking has five CD products: six-month, one-year, two-year, three-year, and four-year. Yields apply on all balances above $500 and range from 0.10% to 0.20% APY, depending on term.
  • Minimum Initial Deposit Requirement: $1,000 to open. Of note: AbleBanking has a low $240,000 maximum deposit on CDs.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: None.
  • Early Withdrawal Penalties: AbleBanking charges an early withdrawal penalty of 90 days’ interest for CDs with terms under 36 months and 180 days’ interest for CDs with terms of 36 and 48 months. You can withdraw accrued interest at any time.
  • Other Features and Considerations: All new ableBanking deposit accounts, including CDs, come with a $25 bonus that ableBanking donates to the nonprofit organization of your choosing. If you wish, ableBanking can also make charitable gifts using your accrued interest. All CDs come with a 30-day grace period at maturity.

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16. Axos Bank

Yields Up to 0.20% APY; Low Minimum Balance

Axos Bank is a full-service, online-only bank that provides decent CD yields and offers a range of deposit accounts for your one-stop banking needs.

  • Regular CDs and Rates: Axos Bank offers seven CD options with good rates: three-month, six-month, 12-month, 24-month, 36-month, 48-month, and 60-month. Yields apply on all balances above the $1,000 minimum deposit amount and currently sit at 0.20% APY for all products.
  • Minimum Initial Deposit Requirement: $1,000 to open.
  • Special CDs and Rates: None.
  • Tax-Advantaged Retirement Account Options: Axos Bank offers Roth and traditional IRA options on three CD accounts: 12-month, 24-month, and 36-month.
  • Early Withdrawal Penalties: Axos Bank’s penalties for early principal withdrawal are as follows: 45 days’ interest for the three-month, three months’ interest for the six-month, six months’ interest for the 12-month, 12 months’ interest for the 24-month, 18 months’ interest for the 36-month, and 24 months’ interest for the 48-month. You can withdraw interest at any time.
  • Other Features and Considerations: All CDs come with a 10-day grace period followed by automatic renewal.

See our Axos Bank review for more information.

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Final Word

FDIC-insured CDs offer the opportunity to exploit the power of compound interest and earn a predictable yield for a fixed period. These banking products can be essential to a well-designed emergency fund. But most demand commitment.

Before you put your money in a CD, you should confirm that you can afford to tie up those funds for the entire CD term — or that the issuer allows early withdrawals without penalty (as is the case with Ally Bank, for instance). Just remember that even where early withdrawals are permitted, CDs rarely come with debit cards or other means to readily access funds.

If you’re forced to withdraw your money from an inflexible CD before the maturity date, especially if it’s still early in the CD’s term, interest penalties may eliminate some or all of your yield. That dampens the power of compound interest to grow your balance. Where penalties are particularly harsh, an early withdrawal could even cut into your principal.

If you haven’t already, determine how much you can comfortably save by creating a household budget that accounts for all your income and expenses, as well as potential uncertainties that could affect your finances in the future.

Источник: https://www.moneycrashers.com/best-banks-highest-interest-cd-rates/

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Best 10-Year CD Rates

What Is a 10-Year CD?

Most banks and credit unions don’t offer CDs for terms longer than five years. But a few banks do, allowing you to choose from CDs in one-year intervals all the way through a 10-year term.

Choosing a 10-year CD isn’t a light undertaking. You’re agreeing to set your money aside for an entire decade without withdrawing it or adding any more to it. It’s like a time capsule full of money that you send to your future self. 

Who Is a 10-Year CD Best For?

First of all, if you’re going to open a 10-year CD, you should be extremely confident that you won’t need the money for 10 years. The early withdrawal penalty on a 10-year CD can be substantial and it may even eat into your principal (the money you deposited into the CD), especially if you need to withdraw the money early on in its term. 

Ten-year CDs can be especially useful when there’s a high-interest rate environment on the cusp of shuffling back down into a low-interest-rate environment. In this scenario, you secure a high-income-producing account for many years to come. 

However, it’s a risky gamble. The flip side is that if interest rates begin to increase, you’ll be stuck with a stinker of an account that yields lower rates than you could get elsewhere. And you’ll pay a stiff penalty for withdrawing your money, to boot. Benchmark interest rates dropped in March 2020 and, historically speaking, the U.S. is in a low-interest-rate environment right now.

Ten-year CDs are not the highest-paying certificates, despite what you might think. You can get a better rate with a shorter-term CD, which will tie up your money for less time. Conversely, you won’t lock in the rate for as many years.

What Are the Alternatives to a 10-Year CD?

With most CDs, you can earn a higher rate by choosing a longer-term CD. But because a 10-year CD is just about the maximum term length any bank will offer, you don’t really have that option here. Instead, the only thing you can compare it with is a shorter-term CD from another bank.

It’s tempting to think of a 10-year CD as a good option for a long-term investment, such as your retirement savings. Instead, most financial experts advise investing in the stock market. It’s more volatile, but in the long run, it has historically yielded higher returns. 

Luckily, it’s possible to find CDs with a higher interest rate for a shorter period of time, which is usually a win-win. After all, even the best-laid plans sometimes go awry in a 10-year time span.

If you prefer instant account access, we have partnered with the following banks to bring you the high-yield savings and money market account offers displayed in the table.

Источник: https://www.thebalance.com/best-10-year-cd-rates-4178415

Certificate of Deposit

Guaranteed returns with flexibility and ease.

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Our high-yield CD account combines guaranteed returns with worry-free ease. Just choose your term and let your certificate of deposit go to work for you.

X.XX%APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.

12-month term

X.XX%APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.

24-month term

X.XX%APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.

5-year term

See all of our CD rates and terms

Earn more on your terms.

See how your earnings grow depending on how long you commit discover 5 year cd rates a high-yield CD.

Competitor comparison information obtained from Informa Research Services, Inc., as of XX/XX/XXXX, using Certificate of Chase amazon ca credit card account APYs. APYs assume a $2,500 minimum deposit to open. When no competitor APY is available ‘N/A’ is displayed. The non-Discover Bank service marks for Bank of America, Capital One 360, Chase, Citibank, Wells Fargo and U.S. Bank are owned by each respective entity. Although the information provided by Informa Research Services has been obtained from the various institutions, the accuracy cannot discover 5 year cd rates guaranteed.

Earned interestwith Discover

Assumes principal and interest remain on deposit and interest rate and APY do not change for one year. The estimated values shown are for illustrative and informational purposes only and may not apply to your individual circumstances.

%APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.

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No. Fees. Period. That means you won't be charged an account fee on our CD account.

Outgoing wire transfers are subject to a service charge.

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PENALTY

3 months simple interest

6 months simple interest

9 months simple interest

18 months simple interest

24 months simple interest

Watch your CD interest grow, on the go

It’s easy to check on your certificate of deposit whenever you need a little boost.

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Check on your CD account easily. Anytime. You can even skip the passcode and log in with touch or face ID.

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Enable Quick View to check your high-yield CD balance without logging in each time.

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Opening a high-yield CD couldn’t be simpler.

  1. Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.
  2. Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
  3. Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.
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What is a certificate of deposit?

CD accounts let you earn high-interest returns on money you know you won't need for a while.

Guaranteed rates

Never mind what the market does. Because you commit to a specific CD term, your rate is locked in no matter what.

Hands off, on purpose

Sit back and relax. Once you set up your certificate of deposit, you won’t have to worry about a thing.

Step up those earnings

A “CD ladder” is when you open several CDs with different maturity dates. It’s a smart way to build on earnings as your high-yield CDs mature.

Learn how

  • Spending to Save: When It’s Smart to Splurge

    Sometimes you have to spend more in the short term to save money in the long term.

    Sometimes you have to spend more in the short term to save money in the long run. It can seem counterintuitive, but in certain cases, larger upfront costs can be justified by the savings they generate down the line.

    Read full article

  • Step Up Your Savings Game With a CD Ladder

    Want to build your nest egg while avoiding risky investments? Learn how with a CD ladder.

    “By breaking large CDs into smaller ones maturing at different times, you can earn progressively higher interest rates as CDs mature.”

    – William Stack, owner of Stack Financial Services LLC

    Read full article

  • What Does a Fed Rate Cut Mean for My Finances?

    How to make smart financial decisions in a low interest rate environment.*


    * This should not be considered tax or investment advice. Please consult a financial or tax advisor if you have questions.

    What does a Fed rate cut mean for my finances when it comes to saving? Savers could see interest rates decline on deposit accounts like savings accounts, money market accounts and certificates of deposit (CDs). A lower interest rate here means you’ll earn less in interest on your savings balances.

    Read full article

  • 4 Places to Keep Your Emergency Fund

    You know you need an emergency fund for life’s little surprises, but where should you keep it?

    A financial emergency can include job loss, medical bills, a car or home repair, a deep pay cut or any other financial setback.

    Read full article

  • Money Market Accounts vs. CDs: Which is Best for You

    Learn how interest rates and convenience could impact your savings decision.

    If you’re working toward a financial goal and are looking for new ways to grow your money, money market account vs. certificate of deposit (CD) may be a decision worth considering. After all, both types of savings vehicles offer many valuable features and benefits. 

    Read full article

Источник: https://www.discover.com/online-banking/cd/
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