Best CD Rates in October 2022
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Below are the highest yield certificate of deposit rates by top traditional and online banks. These rates are from banks that are FDIC insured, covering depositors up to $250,000.
Below you will find the best Certificate of Deposit rates in the current interest markets. We only show the highest-yielding CDs from trusted and well-reviewed banks. Most of the Certificate of Deposits below are offered by national or online banks. Most of these CD Rates are higher than you would expect at your local credit union or bank, because these banks compete for your investment by offering a higher CD rates. We will rank these CDs based on an initial deposit of $10,000 and sort by the highest rate first. All CD rates are shown as : APY (Annual Percentage Yields) – Minimum Deposit – Institution Name.
What factors affect CD Bank Rates?
Certificate of Deposits’ rates will fluctuate based on the current interest rates, the amount of deposit, the bank or credit union and length of maturity. When current interest rates are low, there no incentive to win ‘business’ by offering a high cd rate, when they could borrow from another bank or the government. By investing in a longer term CD, the banks have more flexibility with your money and thus pay a higher interest rate. By investing more money, for example $100,000 or more ( the definition of a Jumbo CD ), banks usually (but not always) will offer a higher rate. Depending on the organization, the bank or credit union may issue a flat rate for deposits or a variable rate. The banks and credit unions may also offer a higher yielding cd if they are NOT insured by the FDIC or NCUA – as these CDs carry larger risk.
Why Invest in a Certificate of Deposit?
Certificate of Deposits or CD, are safe – very safe. Most CDs are federally insured up to $250,000 by either the FDIC or NCUA. These CDs also pay a higher interest, and thus yield a higher rate than putting them in a savings account.
CD Rates by Bank
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CD Rates by Bank
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- Bethpage CD Rates
- BMO Harris CD Rates – Earn 0.25%
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- Brookline Bank CD Rates
- Cadence Bank CD Rates
- Campus USA Credit Union CD Rates
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- CEFCU CD Rates
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- CFCU CD Rates
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- East Boston Savings Bank CD Rates
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- Eastman Credit Union CD Rates
- ENT CD Rates
- Enterprise Bank CD Rates
- ESL Federal Credit Union CD Rates
- Fairwinds Credit Union CD Rates
- First American Bank and Trust CD Rates
- First Bank CD Rates
- First Community Bank CD Rates
- First Federal of Lakewood CD Rates
- First National Bank of America CD Rates
- Florence Savings Bank CD Rates
- Freedom Bank CD Rates
- Frost Bank CD Rates
- Great Western Bank CD Rates
- Greenwood Credit Union CD Rates
- Grow Financial Credit Union CD Rates
- Hancock Bank CD Rates
- Hanmi Bank CD Rates
- Hapo Community Credit Union CD Rates
- Heartland Bank CD Rates
- Idaho Central Credit Union CD Rates
- iGo Banking CD Rates
- Independent Bank CD Rates
- InTrust Bank CD Rates
- Kemba Credit Union CD Rates
- Kinecta CD Rates
- Kirkwood Bank of Nevada CD Rates
- KS State Bank CD Rates
- Lake Michigan Credit Union CD Rates
- Landmark Credit Union CD Rates
- Linn Area Credit Union CD Rates
- Luther Burbank Savings CD Rates
- Mansfield Bank CD Rates
- MC Bank CD Rates
- Members 1st Federal Credit Union Top CD
- Mercantile Bank of Michigan CD Rates
- Metro Credit Union CD Rates
- Middlesex Savings Bank CD Rates
- Midfirst Bank CD Rates
- Midwest Bank CD Rates
- Minnesota Bank and Trust CD Rates
- Mission Federal Credit Union CD Rates
- Mutual of Omaha Bank CD Rates
- NASA Credit Union CD Rates
- Navigant Credit Union CD Rates
- Northpointe Bank CD Rates
- Numerica Credit Union CD Rates
- NY Community Bank CD Rates
- Oritani Bank CD Rates
- P1FCU CD Rates
- Patelco Credit Union CD Rates
- Pawtucket Credit Union CD Rates
- Poppy Bank CD Rates
- Potlatch Credit Union CD Rates
- Premier American Credit Union CD Rates
- PSCU CD Rates
- PSECU CD Rates
- Quontic Bank CD Rates
- RBFCU CD Rates
- Redstone CD Rates
- Redwood Credit Union CD Rates
- Republic Bank CD Rates
- Rosedale Federal CD Rates
- S & T Bank CD Rates
- SACU CD Rates
- Salem Five Bank CD Rates
- San Mateo Credit Union CD Rates
- Savings Bank of Danbury CD Rates
- SDCCU CD Rates
- Seacoast Bank CD Rates
- SEATTLE BANK CD RATES
- SELCO Community Credit Union
- Simmons Bank CD Rates
- Sound Credit Union CD Rates
- Space Coast Credit Union CD Rates
- Spectra Bank CD Rates
- SSFCU CD Rates
- State Bank of India CD Rates
- State Employee’s Credit Union CD Rates
- STCU CD RATES
- Stone Bank CD Rates
- Texas Exchange Bank CD Rates
- Travis Credit Union CD Rates
- Truist Bank CD Rates – Earn 0.05%
- Truliant CD Rates
- Trumark CD Rates
- TrustCo CD Rates
- TTCU Federal Credit Union CD Rates
- UICCU CD RATES
- Umpqua Bank CD Rates
- Union Bank & Trust CD Rates
- Univest CD Rates
- Veridian Credit Union CD Rates
- Virginia Credit Union CD Rates
- Vystar Credit Union CD Rates
- Washington Federal CD Rates
- Waterstone Bank CD Rates
- Webster Bank CD Rates
- Wisconsin Bank CD Rates
- Wright Patt Credit Union CD Rates
- Yampa Valley Bank CD Rates
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