Find below the best CD Rates in Nevada, sorted by term. We source the best rates from various sources to find the best available rates in Nevada from local, regional and national banks.

You can narrow your search for CD rates in Nevada to the following cities Las Vegas, NV.

Average CD Rates

US CD Rates

1-YEAR CD 1.96%
2-YEAR CD 2.20%
6-MONTH CD 2.10%
5-YEAR CD 2.47%

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Are CD Rates in Nevada Expected to Rise in 2023?

Depending on the Feds rate policies, most experts are expecting 2023 to raise interest rates, which should raise CD rates. Although, there is a link between CD rates and Fed funds rate – CD rates can diverge from this link.

CD Rates are expected to rise in 2023 and plateau sometime during 2023.

Best 6-Month CD Rates

4.0
Bankrate Score

Bank or Credit Union Name: CommunityWide Federal Credit Union

Minimum Amount: $1.000.00

APY Rate:  3.25% APY

Pros:

  • NCUA Insured to at least $250,000
  •  Dividend can be compounded in certificates / deposited to another share/ transferred to another institution
  •  Option to renew on the maturity

Rules:

  • Any withdrawal before maturity is charged with a penalty
  • Penalty= amount of the withdrawal x  the remaining term (days) of the certificate at the rate of 2x the current APR (divided by 365)
  • Dividends are paid at the end of the month
4.0
Bankrate Score

Bank or Credit Union Name: Quontic Bank

Minimum Amount: $500.00

APY Rate:  2.25% APY

Pros:

  • Instant account opening
  • Low minimum balance
  • FDIC insured

Rules:

  • Interest is compounded daily and credited to the account at the end of every month
  •   A periodic rate is applied to the balance (principal + interest) in the account
  • CD can be withdrawn upon maturity within 10 days after which, it is automatically renewed on the same terms. 
4.0
Bankrate Score

Bank or Credit Union Name: PenFed Credit Union

Minimum Amount: $1,000.00

APY Rate:  2.00% APY

Pros:

  • Easy renewal without any conditions
  • Can be accessed at the branch, mobile or online
  • Insured by NCUA insurance

Rules:

  • Dividends are calculated on a simple interest basis
  • Monthly dividends are paid on CD maturity
4.0
Bankrate Score

Bank or Credit Union Name: NASA Federal Credit Union

Minimum Amount: $1,000.00

APY Rate:  1.93% APY

Pros:

  • Hassle-free account opening
  • FDIC insured
  • Easy renewal

Rules:

  • Dividends are compounded and credited on a monthly basis
  • Average daily balance method is applied
  • There is a penalty for early withdrawal
4.0
Bankrate Score

Bank or Credit Union Name: Synchrony Bank

Minimum Amount: $0.00

APY Rate:  3.50% APY

Pros:

  • No minimum balance
  • Easiest penalty terms 
  • CD ladder strategy to avoid penalty
  • Interest can be withdrawn anytime without penalty
  • FDIC insured up to $250,000

Rules:

  • Interest is calculated monthly and credited to the account at the end of the month
  • Penalty on premature withdrawal. 

Best 12-Month CD Rates in Nevada

4.0
Bankrate Score

Bank or Credit Union Name: Blue Federal Credit Union

Minimum Amount: $1.00

APY Rate:  4.60% APY

Pros:

  • Nationwide available bank
  • No penalty for early withdrawal
  • Can withdraw after 7 days of the opening date
  • FDIC insured

Rules:

  • Interest is compounded daily and credited to the account at the end of the month 
4.0
Bankrate Score

Bank or Credit Union Name: Bread Savings

Minimum Amount: $1,500.00

APY Rate:  4.50% APY

Pros:

  • $1 million per account and $10 million limit per customer maximum deposit limit
  • No hidden fees
  • Free monthly maintenance
  • Auto-renew facility available

Rules:

  • Interest is accrued and compounded on daily basis and credited to the account every month
4.0
Bankrate Score

Bank or Credit Union Name: Synchrony Bank 

Minimum Amount: $0.00

APY Rate:  4.01% APY

Pros:

  • No minimum balance
  • Easiest penalty terms
  • Interest can be withdrawn anytime without penalty
  • FDIC insured up to $250,000

Rules:

  • Monthly Interest is calculated and credited to the account at the end of the month
  • A penalty is charged if you withdraw prematurely
4.0
Bankrate Score

Bank or Credit Union Name: Marcus by Goldman Sachs

Minimum Amount: $500.00

APY Rate:  4.00% APY

Pros:

  • Hasslefree and Instant account opening
  • Customer support avail all seven days of a week

Rules:

  • CD rate can change at any time and hence customers are required to check the prevailing rates
  • Interest is added to the principal at every month’s end
  • It can be withdrawn without any penalty
4.0
Bankrate Score

Bank or Credit Union Name: Capital One

Minimum Amount: $0.00

APY Rate:  4.00% APY

Pros:

  • No minimum balance required
  • FDIC insured investment
  • No risk investment
  • Account opening in just 5 minutes

Rules:

  • Interest is accrued daily and compounded on a monthly basis and can be withdrawn on the end of term, monthly, or annual basis. 

Best 2-Year CD Rates in Nevada

4.0
Bankrate Score

Bank or Credit Union Name:  Synchrony Bank

Minimum Amount: $0.00

APY Rate:  4.26% APY

Pros:

  • No minimum balance
  • Low penalty on early withdrawal
  • Anytime interest withdrawal without penalty
  • FDIC insured up to $250,000

Rules:

  • Interest is calculated on a monthly basis and credited to the account at end of every month
  • Premature withdrawal is charged with a penalty
4.0
Bankrate Score

Bank or Credit Union Name: Marcus by Goldman Sachs

Minimum Amount: 4.25% APY

APY Rate:  $500.00

Pros:

  • Instant account opening
  • Low minimum balance requirements
  • All seven days of customer support

Rules:

  • Interest is accrued daily and compounded at the end of the month
  • No penalty withdrawal is available on the interest amount
4.0
Bankrate Score

Bank or Credit Union Name: Skyla Credit Union

Minimum Amount: $500.00

APY Rate:  4.50% APY

Pros (Why it made the list):

  • Low minimum balance requirement
  • Insured up to $500,000 by National Credit Union Administration (NCUA) and Excess Share Insurance Corporation (ESI)
  • No monthly fees

Rules:

  • The dividend is compounded and credited on a monthly basis
  • Complete the term to avoid penalties
4.0
Bankrate Score

Bank or Credit Union Name: Genisys Credit Union

Minimum Amount: $500.00

APY Rate:  4.65% APY

Pros:

  • A low minimum balance is required to open an account
  • Higher APY than most of the banks 
  • Hassle-free account opening

Rules:

  • Maintain a minimum balance of $500 to earn the interest
  • Interest is compounded and credited to the account on a monthly basis. 
4.0
Bankrate Score

 Bank or Credit Union Name: KS State Bank

Minimum Amount: $500.00

APY Rate:  4.58% APY

Pros:

  • A low minimum balance required
  • Best Apy rates
  • FDIC insured

Rules:

  • Interest starts accruing from the first business day after the deposit is made. 
  • It is calculated as per the daily balance method
  • Interest is compounded and credited to the account on a quarterly basis

Best 3-Year CD Rates in Nevada

4.0
Bankrate Score

Bank or Credit Union Name: Bread Savings

Minimum Amount: $1,500.00

APY Rate:  4.00% APY

Pros:

  • Hassle-free account opening
  • Best reinvestment options available
  • $1 million per account and $10 million limit per customer maximum deposit limit
  • No hidden fees
  • Free monthly maintenance
  • Auto-renew facility available

Rules:

  • Interest is accrued and compounded on daily basis and credited to the account on a monthly basis
4.0
Bankrate Score

Bank or Credit Union Name: Synchrony Bank 

Minimum Amount: $0.01%

APY Rate:  4.26% APY

Pros:

  • No minimum balance
  • Minimum penalty on early withdrawal
  • Interest can be withdrawn anytime without penalty
  • FDIC insured up to $250,000

Rules:

  • Monthly Interest calculation and account credit
  • No minimum balance is required to earn the interest
  • A penalty amount is charged on early withdrawals 
4.0
Bankrate Score

Bank or Credit Union Name: First National Bank of America

Minimum Amount: $1,000.00

APY Rate:  4.40% APY

Pros:

  • High APY and interest rates
  • Easy account opening procedure
  • FDIC insured
  • BBB accredited business

Rules:

  • You must maintain a minimum balance of $1000 to earn APY
  • Interest is added to the account every end of month
4.0
Bankrate Score

Bank or Credit Union Name: Barclays

Minimum Amount: $0.00

APY Rate:  4.15% APY

Pros:

  • Easy fund transfer
  • No minimum balance
  • No monthly fees

Rules:

  • Fund the account within 14 days of opening to make it functional
  • To earn interest ensure $0.01 at all times
4.0
Bankrate Score

Bank or Credit Union Name: Capital One

Minimum Amount: $0.00

APY Rate:  4.15% APY

Pros:

  • No minimum balance required
  • FDIC insured investment
  • No risk investment
  • Instant account opening

Rules:

  • No minimum balance is required to earn an interest
  • The interest is compounded monthly and credited to the account
  • You can withdraw the interest at anytime of the term without any penalty or fee

Best 5-Year CD Rates in Nevada

4.0
Bankrate Score

 Bank or Credit Union Name: Bread Savings

Minimum Amount: $1,500.00

APY Rate:  4.25% APY

Pros:

  • $1 million per account and $10 million limit per customer maximum deposit limit
  • No hidden fees
  • Free monthly maintenance
  • Auto renew facility available

Rules:

  • Interest is accrued and compounded on daily basis and credited to the account on monthly basis
4.0
Bankrate Score

Bank or Credit Union Name: Popular Direct

Minimum Amount: $10,000.00

APY Rate:  4.35% APY

Pros:

  • One of the highest APY 
  • 24X7 account access
  • FDIC insured deposits
  • 24/7 customer support

Rules:

  • Minimum balance of $10000 must be maintained in the account to earn interest
  • Interest is accrued and compounded monthly and transferred to the account at the end of month. 
  • Premature withdrawal are exposed to penalty
4.0
Bankrate Score

Bank or Credit Union Name: Synchrony Bank

Minimum Amount: $0.00

APY Rate:  4.26% APY

Pros:

  • Best APY rate
  • No minimum balance required
  • High yield savings options
  • No penalty on premature interest withdrawal
  • 10 days grace period after maturity to add more funds to the CD

Rules:

  • The interest is compounded monthly and added to the account at the end of the month. 
  • There is no minimum balance required to earn interest. 
  • Also no penalty on premature withdrawals.
4.0
Bankrate Score

Bank or Credit Union Name: Barclays

Minimum Amount: $0.00

APY Rate:  4.25% APY

Pros:

  • One of the biggest banks in America
  • No minimum balance required
  • Easy fund transfer
  • No monthly fees

Rules:

  • Fund must be added to the account within 14 days of opening
  • To earn interest minimum $0.01 balance must be maintained
  • Interest is compounded on monthly basis 
4.0
Bankrate Score

Bank or Credit Union Name: Capital One

Minimum Amount: $0.00

APY Rate:  4.25% APY

Pros:

  • No minimum balance 
  • FDIC insured investment
  • No risk investment
  • 5 minutes account opening facility

Rules:

  • daily interest accrual which is monthly compounded and credited to the account
  • The interest can be withdrawn on the end of term, monthly or annually basis.

Banks Offering CDs in Nevada

Other banks in Nevada that are offering CD rates including the following:


National CD Rates

Average CD Rates

1-YEAR CD 1.82%
2-YEAR CD 1.75%
6-MONTH CD 2.10%
5-YEAR CD 2.47%
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