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September 2025: Best Certificates of Deposit from Our Partners

A certificate of deposit (CD) is a type of savings account that provides an easy way to save money while earning interest. There are various types of CDs, each with different interest rates and terms. You can open CDs at traditional banks, credit unions or online banks. The process isn't difficult and requires a few simple steps. Generally, the most competitive terms are offered online, so if you have long-term goals, consider one of the CDs below.

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our choice

APY
3.50%*
Minimum Balance to earn APY
See Terms
Minimum Deposit
$1,000
Terms
11 Months
  • Minimum $1,000 deposit
  • FDIC insured up to $250,000
  • Security and Flexibilty
  • No Penalty for early withdraw387
  • Daily compounding interest
  • No monthly maintenance fees

our choice

APY
4.10%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
12 months
  • Get a $75-$1000 cash bonus with code EASY*
  • No fees from Raisin.
  • Start saving with as little as $1 minimum deposit.
  • 24/7 online access.
  • 4.10% APY 12-month callable certificate, 1.3x6 higher than national average.

our choice

APY
Rate up to 4.10% APY
Minimum Balance to earn APY
$1,000
Minimum Deposit
$1,000
Terms
3-60 months
  • Low minimum deposit of only $1,000; no maximum302
  • Jumbo certificates may be available for a higher rate if you deposit $75,000 or more302
  • Choose from a variety of maturity dates including 12-month and 60-month terms302
  • Dividends compounded every month and at maturity302
  • Funds are insured up to $250,000 by NCUA

our choice

APY
See Terms
Minimum Balance to earn APY
$500
Minimum Deposit
$500
Terms
See Terms
  • Deposit a minimum of $500 with a guaranteed Annual Percentage Yield.339
  • Collect dividends that are compounded and credited monthly.
  • Your funds are insured for $250,000 on individual accounts by the federal government.
  • At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.

our choice

APY
3.50%386
Minimum Balance to earn APY
See terms
Minimum Deposit
$1,000
Terms
Up to 5 years
  • Save for your goals with a 13-Month CD 3.50% APY386
  • Minimum $1,000 deposit
  • Daily compounding interest
  • No monthly maintenance fees
  • Set up and manage your beneficiaries online or through the mobile app
  • FDIC insured

our choice

APY
4.15%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
48 months
  • Get a $75-$1000 cash bonus with code EASY*
  • No fees from Raisin.
  • Start saving with as little as $1 minimum deposit.
  • 24/7 online access.
  • 4.15% APY 48-month callable certificate, 1.5x6 higher than national average.

our choice

APY
4.15%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
4 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 4.15% APY month no-penalty CD, 2.7x6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.

our choice

APY
4.25%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
3 months
  • Get a $75-$1000 cash bonus with code EASY*
  • No fees from Raisin. $1 minimum deposit.
  • Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.
  • 4.25% APY high-yield CD, 2.8x6 higher than national average.

our choice

APY
3.65%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
10 months
  • Get a $75-$1000 cash bonus with code EASY*
  • No fees from Raisin. $1 minimum deposit.
  • 24/7 online access to funds.
  • Known for returning profits to members in the form of better rates and lower fees.
  • 3.65% APY 10-Month Certificate — that's 1.19x6 higher than national average.

our choice

APY
4.30%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
14 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 4.30% APY 14-month high-yield CD, 2.9x6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Putting educational and financial success within reach for more than 50 years.

our choice

APY
3.75%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
6 months
  • Get a $75-$1000 cash bonus with code EASY*
  • Excellent rates with NO fees from Raisin.
  • $1 minimum deposit. 24/7 online access.
  • 3.75% APY* 6-month CD, 2.5x6 higher than national average.

our choice

APY
4.15%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
9 months
  • Get a $75-$1000 cash bonus with code EASY*
  • No fees from Raisin. $1 minimum deposit.
  • 24/7 online access to funds.
  • 4.15% APY no-penalty CD, 1.35x6 higher than national average.

our choice

APY
As high as 4.20%
Minimum Balance to earn APY
$500
Minimum Deposit
$500
Terms
Up to 12 months
  • CD Rates as high as 4.20%.
  • Fund your account up to $500,000.
  • $500 minimum deposit required to open.
  • Your money is held for a fixed time period**.
  • Great for saving for a home down payment, college, or a big purchase.
  • All accounts are FDIC insured up to $250,000 per depositor, per account ownership category.
  • Valley Direct CDs must be opened online only.

our choice

APY
Up to 3.75%
Minimum Balance to earn APY
$500
Minimum Deposit
$500
Terms
1 year
  • Open an account online in just 3 minutes
  • Minimum of $500 required to open

our choice

APY
4.10%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
10 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 4.10% APY 10-month high-yield CD, 2.3x6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Putting educational and financial success within reach for more than 50 years.

our choice

APY
1.31%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
13 months
  • Get a $75-$1000 cash bonus with code EASY*
  • No fees from Raisin. $1 minimum deposit.
  • Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.
  • 1.31% APY high-yield CD, 0.7x6 higher than national average.

our choice

APY
3.75%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
24 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 3.75% APY 24 month certificate, 1.3X6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • 24/7 online access to funds.

our choice

APY
4.15%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
4 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 4.15% APY 4 month high-yield CD, 2.6x6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • 24/7 online access to funds.

our choice

APY
3.00%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
9 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 3.00% APY 9-month CD, 1.7x6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.

our choice

APY
3.55%
Minimum Balance to earn APY
$0,01
Minimum Deposit
$1
Terms
12 months
  • Get a $75-$1000 cash bonus with code EASY*
  • Excellent rates with NO fees from Raisin.
  • $1 minimum deposit. 24/7 online access.
  • 3.55% APY* 12-month CD, 2.0x6 higher than national average.

our choice

APY
4.15%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
15 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 4.15% APY 15 month share certificate, 1.44x6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • 24/7 online access to funds.

our choice

APY
3.80%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
18 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 3.80% APY 18 month certificate, 1.32X6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • 24/7 online access to funds.

our choice

APY
4.10%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
10 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 4.10% APY 10-month high-yield CD, 2.3x6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Putting educational and financial success within reach for more than 50 years.

our choice

APY
3.00%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
9 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 3.00% APY high-yield CD, 1.6х6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Locally-owned independent community bank.

our choice

APY
1.21%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
11 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 1.21% APY high-yield CD, 0.7х6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.

our choice

APY
2.50%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
7 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 2.50% high-yield CD, 1.5х6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • Locally-owned independent community bank.

our choice

APY
4.00%
Minimum Balance to earn APY
$0.01
Minimum Deposit
$1
Terms
12 months
  • Get a $75-$1000 cash bonus with code EASY*
  • 4.00% APY 12 month certificate, 1.3X6 higher than national average.
  • No fees from Raisin. $1 minimum deposit.
  • 24/7 online access to funds.
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questionsABOUT
CERTIFICATES OF DEPOSIT

What is the primary purpose of a checking account?

To summarize the purpose in one word - convenience. A checking account makes your money immediately available without you having to carry or store significant sums of cash. It enables digital...

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Is it necessary to open a debit card together with a checking account?

In short: no, it is not. Opening a debit card together with a checking account is not always obligatory, but it is a widespread and practical choice. Most checking accounts come with a debit card...

Read more
Are funds in a savings account accessible without restrictions, or are there limitations on withdrawals?

While the Federal Reserve no longer requires limits on savings account withdrawals, many banks and credit unions still impose their own restrictions. Understanding these rules helps you know when you can access your...

Read more
See all questions

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TO CHOOSE?

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ASK QUESTION

certificate of deposit: WHAT IS IT AND
HOW DOES IT WORK?

A certificate of deposit is a form of time deposit. When you open a CD, you agree to keep your funds in the bank for the term you choose and get a higher interest rate in return. The rates are predetermined, meaning they remain the same throughout the term. What makes them more attractive is that they offer the highest interest rate compared to regular savings accounts.


Typically, a minimum opening deposit of around $1,000 is required when you open a CD, but the amount can vary within banking institutions.


Certificates of deposit have a maturity date, meaning that you can't withdraw money without paying a penalty and usually can't add to them until the date on which the final payment is due. CD terms can be anywhere from a few months to five years after you open the account.


You can take money out of the CD at any time, but if you withdraw funds before the CD matures, you will have to pay an early withdrawal penalty. Generally, different banks give a grace period of four to six days to withdraw money with no penalty after you deposit money into your account.


When the CD matures, you'll have about a week to withdraw your funds. After that, most CDs automatically renew for the same or similar term, but the rate will unlikely be your original rate and will be based on the rate for new CDs for that term.

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CERTIFICATES OF DEPOSIT🜂

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