Best CD Rates in Las Vegas, Nevada
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Best 6-Month CD Rates in Las Vegas, Nevada

Bank or Credit Union Name: America First Federal Credit Union
Minimum Amount: $10,000
APY / Rate: 5.08%
Pros:
- Best APY rate on CD in Nevada state.
- FDIC insured up to $250,000.
- No monthly maintenance fees.
Rules:
- Minimum deposit of $10,000.
- The early withdrawal penalty is 90 days of interest in case withdrawn before maturity.

Bank or Credit Union Name: PenFed Credit Union
Minimum Amount: $1,000
APY / Rate: 4.60%
Pros:
- FDIC insured up to $250,000.
- No monthly maintenance fees.
Rules:
- Minimum deposit of $1,000.
- The early withdrawal penalty fee is 180 days of interest if withdrawn before maturity.

Bank or Credit Union Name: Mountain America Federal Credit Union
Minimum Amount: $500
APY / Rate: 5.50%
Pros:
- FDIC insured up to $250,000
- No monthly maintenance fees.
Rules:
- Minimum deposit of $500.
- Term of 6 months.
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: Nevada State Bank
Minimum Amount: $10,000
APY / Rate: 4.40%
Pros:
- FDIC insured up to $250,000
- No monthly maintenance fees.
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or at any Nevada State Bank Branch.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- Minimum deposit of $10,000.
- There is a 180-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: Beal Bank USA
Minimum Amount: $1000
APY / Rate: 3.94%
Pros:
- You can select what you want to do upon maturity.
- Maximize returns while controlling the accessibility of your deposits.
- Insured by the FDIC
Rules:
- Any withdrawal before maturity is charged with a penalty.
- Penalty: 1% of the amount withdrawn or half the amount withdrawn at the interest rate being paid during the entire term of the account [whichever is greater].

Bank or Credit Union Name: First Republic Bank
Minimum Amount: $10,000
APY / Rate: 4.75%
Pros:
- FDIC insured
- No monthly maintenance fees
Rules:
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity

Bank or Credit Union Name: Marcus by Goldman Sachs
Minimum Amount: $500
APY / Rate: 4.65%
Pros:
- FDIC insured.
- No monthly maintenance fees.
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the Marcus by Goldman Sachs app.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: TAB Bank
Minimum Amount: $1,000
APY / Rate: 4.76%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the TAB Bank website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: HSBC Direct
Minimum Amount: $1,000
APY / Rate: 4.50%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the HSBC Direct website.
Rules:
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: Dollar Savings Direct
Minimum Amount: $500
APY / Rate: 5.00%
Pros:
- High APY
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the Dollar Savings Direct website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.
Best 12-Month CD Rates in Las Vegas, Nevada

Bank or Credit Union Name: Morgan Stanley
Minimum Amount: $1000
APY / Rate: 5.55%
Pros:
- FDIC insured up to $250,000
- No monthly maintenance fees.
Rules:
- Minimum deposit of $1,000.
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity.

Bank or Credit Union Name: BMO Alto
Minimum Amount: $0
APY / Rate: 5.25%
Pros:
- FDIC insured up to $250,000.
- No monthly maintenance fees.
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or at any BMO Alto branch.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- Minimum deposit of $0.
- Term of 12 months.
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 5.35%
Pros:
- FDIC insured up to $250,000.
- No monthly maintenance fees.
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or at any Bread Savings™️ branch.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- Minimum deposit of $1500.
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: First Republic Bank
Minimum Amount: $10,000
APY / Rate: 5.15%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the First Republic Bank website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity
- The interest rate is subject to change.

Bank or Credit Union Name: TAB Bank
Minimum Amount: $1,000
APY / Rate: 5.10%
Pros:
- FDIC insured
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the TAB Bank website.
- You can set up automatic transfers from your checking account to your CD.
- No monthly maintenance fees
Rules:
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity
- The interest rate is subject to change.

Bank or Credit Union Name: HSBC Direct
Minimum Amount: $1,000
APY / Rate: 4.80%
Pros:
- FDIC insured
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the HSBC Direct website.
- You can set up automatic transfers from your checking account to your CD.
- No monthly maintenance fees
Rules:
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity
- The interest rate is subject to change.

Bank or Credit Union Name: Dollar Savings Direct
Minimum Amount: $500
APY / Rate: 5.00%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the Dollar Savings Direct website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity
- The interest rate is subject to change.

Bank or Credit Union Name: Ally Bank
Minimum Amount: $0
APY / Rate: 4.90%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the Ally Bank website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: Marcus by Goldman Sachs
Minimum Amount: $500
APY / Rate: 5.00%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the Marcus by Goldman Sachs website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity
- The interest rate is subject to change.
Best 24-Month CD Rates in Las Vegas, Nevada

Bank or Credit Union Name: First Republic Bank
Minimum Amount: $2500
APY / Rate: 5.10%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or through the First Republic Bank website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- The early withdrawal penalty is 90 days of interest if withdrawn before maturity
- The interest rate is subject to change.

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 5.05%
Pros:
- FDIC insured up to $250,000.
- No monthly maintenance fees.
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online or at any Bread Savings™️ branch.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- Minimum deposit of $1500.
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.

Bank or Credit Union Name: M.Y. Safra Bank
Minimum Amount: $500
APY / Rate: 4.82%
Pros:
- CD ladder option available
- Best interest rate for financial planning
- No hidden charges
- FDIC-insured investment
Rules:
- Compound interest calculated on CD daily and added to the account monthly.
- Reinvestment of interest and disbursement on maturity rules followed
- Auto renewal on maturity
- 10-days grace period to alter CD term or withdraw CD
- Premature withdrawal is charged with a penalty
Best 36-Month CD Rates in Las Vegas, Nevada

Bank or Credit Union Name: M.Y. Safra Bank
Minimum Amount: $500
APY / Rate: 4.76%
Pros:
- CD ladder option available
- Best interest rate for financial planning
- No hidden charges
- FDIC-insured investment
Rules:
- Compound interest calculated on CD daily and added to the account monthly.
- Reinvestment of interest and disbursement on maturity rules followed
- Auto renewal on maturity
- 10-days grace period to alter CD term or withdraw CD
- Premature withdrawal is charged with a penalty

Bank or Credit Union Name: First Internet Bank
Minimum Amount: $1,000
APY / Rate: 4.75%
Pros:
- FDIC insured
- No monthly maintenance fees
- The interest rate is compounded daily, so you earn interest on your interest.
- You can open a CD online with First Internet Bank’s website.
- You can set up automatic transfers from your checking account to your CD.
Rules:
- There is a 90-day early withdrawal penalty if you withdraw your money before maturity.
- The interest rate is subject to change.
Best 60-Month CD Rates in Las Vegas, Nevada

Bank or Credit Union Name : Toyota Financial Savings Bank
Minimum Amount: $1,000
APY / Rate: 4.42%
Pros:
- TFSB offers some of the highest interest rates on CDs in the market. For example, as of July 22, 2023, the APY on a 60-month CD is 4.42%.
- TFSB is a FDIC-insured bank, so your money is safe up to $250,000.
- TFSB does not charge any monthly fees for its savings accounts or money market accounts.
Rules:
- The minimum deposit for a CD at TFSB is $1,000.
- If you withdraw money from your CD before the term is up, you may be subject to an early withdrawal penalty. The penalty is 6 months’ interest on the amount withdrawn.
- TFSB offers CDs with terms ranging from 30 days to 60 months.

Bank or Credit Union Name : Mountain America Credit Union
Minimum Amount: $500
APY / Rate: 4.00%
Pros:
- Mountain America Credit Union offers competitive interest rates on its CDs.
- There are no monthly maintenance fees for Mountain America Credit Union CDs.
- Easy to open: You can open a Mountain America Credit Union CD online in just a few minutes.
- Mountain America Credit Union CDs are FDIC insured up to $250,000.
- Wide range of terms: Mountain America Credit Union offers a wide range of CD terms, from 3 months to 60 months.
- You can choose to add a rate bump option to your CD, which allows you to increase the interest rate once during the term of the CD.
Rules:
- To earn the advertised interest rate, you must keep your money in the CD until maturity.
- If you withdraw your money early, you may be subject to an early withdrawal penalty.
- The early withdrawal penalty is typically 6 months of interest on the amount you withdraw.

Bank or Credit Union Name : America First Credit union
Minimum Amount: $100
APY / Rate: 3.74%
Pros:
- Best APY rate on CD in Nevada state.
- FDIC insured up to $250,000.
- No monthly maintenance fees.
Rules:
- Minimum deposit of $10,000.
- The early withdrawal penalty is 90 days of interest in case withdrawn before maturity.