Best CD Rates in October 2022

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

CD Rates by Bank

A+ Federal Credit Union CD Rates
Able Bank Top CD Rates
Achieva Credit Union CD Rates
Alma Bank CD Rates
Alostar Bank CD Rates
Amerant Bank CD Rates
Americu CD Rates
APGFCU Credit Union CD Rates
Apple Bank CD Rates
Arvest CD Rates
Austin Telco Federal Credit Union (FCU) CD Rates
Bangor Savings Bank CD Rates
Bank Midwest CD Rates
Bank of Botetourt CD Rates
Bank of China CD Rates
Bank of Hope CD Rates
Bank of Madison CD Rates
Bank of Oklahoma (BOK) CD Rates
Bank of Utica CD Rates
Bank OZK CD Rates – Earn 0.20% APY
BellCo CD Rates
Berkshire Bank CD Rates
Bethpage CD Rates
BMO Harris CD Rates – Earn 0.25%
Bogota Savings Bank CD Rates
Boiling Springs Savings Bank CD Rates
Bremer Bank CD Rates
Brookline Bank CD Rates
Cadence Bank CD Rates
Campus USA Credit Union CD Rates
Capital Credit Union CD Rates
CEFCU CD Rates
Centier Bank CD Rates
Central Bank CD Rates
Central Bank of Kansas City CD Rates
CF Bank CD Rates
CFCU CD Rates
Charter Bank CD Rates
City National Bank CD Rates
CNB St Louis Bank CD Rates
Columbia Bank CD Rates
Community Federal Credit Union (CFCU) CD Rates
Community First CD Rates
Connecticut Community Bank CD Rates
Cornerstone Bank CD Rates
Crestmark Bank CD Rates
Cross River Bank CD Rates
Cyprus Credit Union CD Rates
Delta Credit Union CD Rates
Desert Schools CD Rates
East Boston Savings Bank CD Rates
Eastern Bank CD Rates
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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