Compare today’s best CD rates from the largest banks in the United States and the best-fixed annuity rates.
Compare today’s best bank CD rates from the largest banks and credit unions in the United States as well as best-fixed annuity rates. Our mission is to help you find the best-guaranteed interest rate in a savings vehicle that matches your goals and objectives.
Bank | 3 Month | 6 Month | 1-Year | 2-Year | 5-Year |
---|---|---|---|---|---|
Edward Jones | 0.15% | 0.30% | 0.60% | 1.15% | 1.90% |
Banterra Bank | 1.76% | 2.16% | 1.81% | ||
Amarillo National Bank | 0.30% | 0.40% | 0.75% | 1.40% | 1.70% |
Teachers Federal Credit Union | 0.25% | 0.25% | 0.65% | 1.00% | 1.65% |
First National Bank of America | 0.80% | 1.00% | 1.50% | ||
Ardent Credit Union | 0.25% | 0.25% | 0.55% | 0.75% | 1.50% |
American Heritage FCU | 0.31% | 0.36% | 0.60% | 0.76% | 1.50% |
Genisys Credit Union | 0.40% | 0.50% | 0.85% | 1.40% | |
Ashland Credit Union | 0.35% | 0.45% | 0.70% | 1.40% | |
TDECU | 0.30% | 0.50% | 0.70% | 1.00% | 1.35% |
Keesler Federal Credit Union | 0.25% | 0.35% | 0.60% | 0.85% | 1.35% |
PENFED Credit Union | 0.45% | 0.85% | 1.25% | 1.30% | |
LiveOak Bank | 0.60% | 0.85% | 1.10% | 1.30% | |
CoVantage Credit Union | 0.25% | 0.35% | 0.70% | 0.90% | 1.30% |
Arrowhead Credit Union | 0.25% | 0.30% | 0.45% | 1.30% | |
Alabama Power Credit Union | 0.50% | 0.75% | 0.75% | 0.80% | 1.26% |
Parke Bank | 0.35% | 0.55% | 0.75% | 1.25% | |
Community First Credit Union | 0.30% | 0.55% | 0.75% | 0.90% | 1.25% |
Coastal Federal Credit Union | 0.60% | 0.60% | 0.60% | 1.25% | |
Affinity Plus FCU | 0.30% | 0.35% | 0.55% | 0.75% | 1.25% |
Abound Credit Union | 0.25% | 0.40% | 0.50% | 0.75% | 1.25% |
Connexus Credit Union | 0.61% | 0.71% | 1.21% | ||
Quontic Bank | 0.55% | 0.60% | 0.95% | 1.20% | |
Commonwealth Credit Union | 0.40% | 0.65% | 0.85% | 1.20% | |
Advia Credit Union | 0.15% | 0.20% | 0.35% | 0.45% | 1.20% |
Synchrony Bank | 0.15% | 0.25% | 0.60% | 0.70% | 1.15% |
Marcus by Goldman Sachs | 0.15% | 0.65% | 0.70% | 1.15% | |
MAC Federal Credit Union | 0.45% | 0.75% | 0.95% | 1.15% | |
First Tech Credit Union | 0.40% | 0.60% | 0.80% | 1.15% | |
Capital Credit Union | 0.15% | 0.45% | 0.65% | 0.80% | 1.15% |
Members Heritage CU | 0.10% | 0.25% | 0.45% | 0.60% | 1.11% |
California Credit Union | 0.30% | 0.40% | 0.50% | 0.70% | 1.11% |
TruMark Financial CU | 0.30% | 0.65% | 0.75% | 1.10% | |
TIAA | 0.35% | 0.40% | 0.55% | 0.75% | 1.10% |
State Employee | 0.30% | 0.45% | 0.75% | 1.10% | |
Latino Community CU | 0.25% | 0.40% | 0.60% | 1.10% | |
Holy Rosary Credit Union | 0.25% | 0.30% | 0.45% | 1.10% | |
Evansville Teachers FCU | 0.35% | 0.45% | 0.55% | 0.80% | 1.10% |
Eastman Credit Union | 0.30% | 0.45% | 0.65% | 0.70% | 1.10% |
Apple Federal Credit Union | 0.35% | 0.60% | 0.75% | 1.10% | |
Alpine Bank | 0.05% | 0.25% | 0.40% | 1.10% | |
AFFCU | 0.50% | 0.70% | 0.80% | 1.10% | |
LGE Community Credit Union | 0.36% | 0.51% | 0.70% | 1.07% | |
RiverFall Credit Union | 0.40% | 0.60% | 0.75% | 1.06% | |
First Internet Bank | 0.30% | 0.50% | 0.65% | 0.75% | 1.06% |
Alabama Credit Union | 0.40% | 0.55% | 0.70% | 1.06% | |
Spire Credit Union | 0.10% | 0.25% | 0.40% | 0.50% | 1.05% |
L&N Federal Credit Union | 0.30% | 0.40% | 0.50% | 0.70% | 1.05% |
Atlanta Postal Credit Union | 0.35% | 0.40% | 0.60% | 0.70% | 1.05% |
Metro Credit Union | 0.25% | 0.35% | 0.35% | 0.75% | 1.04% |
Welcome Credit Union | 0.25% | 0.35% | 1.00% | ||
Vystar Credit Union | 0.25% | 0.30% | 0.45% | 0.60% | 1.00% |
University of Kentucky FCU | 0.30% | 0.40% | 0.50% | 0.70% | 1.00% |
Travis Credit Union | 0.35% | 0.50% | 0.70% | 1.00% | |
Transcend Credit Union | 0.10% | 0.20% | 0.30% | 0.40% | 1.00% |
SRP Credit Union | 0.20% | 0.40% | 1.00% | ||
Space Coast Credit Union | 0.15% | 0.40% | 0.50% | 1.00% | |
Safe Credit Union | 0.15% | 0.30% | 0.45% | 0.50% | 1.00% |
Redwood Credit Union | 0.30% | 0.45% | 0.65% | 1.00% | |
Police and Fire FCU | 0.30% | 0.35% | 0.50% | 0.70% | 1.00% |
Patriot Federal Credit Union | 0.05% | 0.10% | 0.15% | 0.50% | 1.00% |
NASA Federal Credit Union | 0.40% | 0.45% | 0.65% | 1.00% | |
Members First Credit Union | 0.20% | 0.60% | 0.80% | 1.00% | |
Landmark Credit Union | 0.20% | 0.30% | 0.40% | 0.60% | 1.00% |
Franklin Mint FCU | 0.20% | 0.30% | 0.50% | 0.65% | 1.00% |
First Guaranty Bank | 0.15% | 0.30% | 0.40% | 0.55% | 1.00% |
Discover Bank | 0.55% | 0.65% | 1.00% | ||
California Coast Credit Union | 0.10% | 0.20% | 0.30% | 0.50% | 1.00% |
Byline Bank | 0.03% | 0.05% | 0.10% | 0.50% | 1.00% |
Bloom Credit Union | 0.10% | 0.25% | 0.50% | 1.00% | |
Allin Credit Union | 0.35% | 0.40% | 0.60% | 0.70% | 1.00% |
Alliant Credit Union | 0.65% | 0.70% | 1.00% | ||
Capital One | 0.25% | 0.60% | 0.70% | 1.00% | |
Bethpage FCU | 0.40% | 0.40% | 0.60% | 1.10% | 1.00% |
5Point Credit Union | 0.15% | 0.25% | 0.45% | 0.65% | 1.00% |
Tinker Federal Credit Union | 0.40% | 0.45% | 0.55% | 0.65% | 0.95% |
Suncoast Credit Union | 0.30% | 0.40% | 0.55% | 0.95% | |
SchoolsFirst Credit Union | 0.20% | 0.30% | 0.45% | 0.60% | 0.95% |
LCNB National Bank | 0.15% | 0.40% | 0.95% | ||
Hiway Credit Union | 0.15% | 0.25% | 0.45% | 0.50% | 0.95% |
Gulf Coast Bank & Trust Co. | 0.05% | 0.20% | 0.40% | 0.95% | |
Frankenmuth Credit Union | 0.10% | 0.15% | 0.25% | 0.35% | 0.95% |
Delta Community Credit Union | 0.35% | 0.50% | 0.60% | 0.95% | |
Credit Union of Denver | 0.05% | 0.30% | 0.40% | 0.55% | 0.95% |
CommunityWide FCU | 0.70% | 0.75% | 0.80% | 0.95% | |
Associated Credit Union | 0.30% | 0.50% | 0.60% | 0.95% | |
Wright-Patt Credit Union | 0.40% | 0.60% | 0.75% | 0.90% | |
Together Credit Union | 0.25% | 0.40% | 0.55% | 0.90% | |
Sun East FCU | 0.15% | 0.25% | 0.50% | 0.60% | 0.90% |
Robins Financial CU | 0.60% | 0.65% | 0.75% | 0.90% | |
Redstone Federal Credit Union | 0.15% | 0.20% | 0.45% | 0.90% | |
Navy Federal | 0.40% | 0.45% | 0.55% | 0.55% | 0.90% |
Navigant Credit Union | 0.20% | 0.40% | 0.90% | ||
Merck Sharp FCU | 0.15% | 0.30% | 0.50% | 0.65% | 0.90% |
GreenWood Credit Union | 0.20% | 0.30% | 0.50% | 0.50% | 0.90% |
Golden 1 | 0.15% | 0.30% | 0.45% | 0.60% | 0.90% |
Georgias Own Credit Union | 0.30% | 0.50% | 0.60% | 0.90% | |
Fort Bragg Federal Credit Union | 0.15% | 0.20% | 0.50% | 0.60% | 0.90% |
Educators Credit Union | 0.10% | 0.20% | 0.30% | 0.50% | 0.90% |
Diamond Credit Union | 0.15% | 0.25% | 0.50% | 0.65% | 0.90% |
Columbia Bank | 0.05% | 0.25% | 0.65% | 0.90% | |
Citadel Credit Union | 0.15% | 0.25% | 0.45% | 0.60% | 0.90% |
APGFCU | 0.25% | 0.35% | 0.50% | 0.90% | |
Altura Credit Union | 0.20% | 0.25% | 0.35% | 0.40% | 0.90% |
Eldorado Savings Bank | 0.10% | 0.16% | 0.20% | 0.40% | 0.90% |
AmeriCU CU | 0.03% | 0.19% | 0.68% | 0.75% | 0.88% |
Utilities Employees Credit Union | 0.40% | 0.45% | 0.55% | 0.85% | |
TVA Credit Union | 0.30% | 0.35% | 0.55% | 0.85% | |
Truliant Federal Credit Union | 0.05% | 0.20% | 0.35% | 0.40% | 0.85% |
Service Credit Union | 0.40% | 0.45% | 0.50% | 0.60% | 0.85% |
Ridgewood Bank | 0.30% | 0.35% | 0.45% | 0.60% | 0.85% |
Philadelphia Federal Credit Union | 0.10% | 0.25% | 0.40% | 0.50% | 0.85% |
MAX Credit Union | 0.30% | 0.35% | 0.55% | 0.85% | |
Lake Michigan Credit Union | 0.15% | 0.15% | 0.30% | 0.40% | 0.85% |
Capital City Bank | 0.45% | 0.50% | 0.85% | ||
Beehive Federal Credit Union | 0.15% | 0.20% | 0.30% | 0.50% | 0.85% |
Alma Bank | 0.25% | 0.25% | 0.40% | 0.55% | 0.85% |
AAA | 0.20% | 0.35% | 0.55% | 0.65% | 0.85% |
ENT Credit Union | 0.19% | 0.21% | 0.29% | 0.37% | 0.84% |
Virginia Credit Union | 0.25% | 0.40% | 0.50% | 0.80% | |
Spectrum Credit Union | 0.50% | 0.50% | 0.55% | 0.55% | 0.80% |
Sallie Mae | 0.30% | 0.60% | 0.60% | 0.80% | |
PSECU | 0.20% | 0.25% | 0.45% | 0.55% | 0.80% |
Popular Bank | 0.15% | 0.35% | 0.80% | ||
Peach State FCU | 0.25% | 0.35% | 0.45% | 0.80% | |
Members 1st Federal Credit Union | 0.15% | 0.20% | 0.35% | 0.50% | 0.80% |
Honor Credit Union | 0.10% | 0.10% | 0.25% | 0.45% | 0.80% |
Class Act FCU | 0.20% | 0.30% | 0.40% | 0.50% | 0.80% |
Chevron Federal Credit Union | 0.50% | 0.50% | 0.55% | 0.55% | 0.80% |
Catholic & Community Credit Union | 0.15% | 0.35% | 0.45% | 0.80% | |
Canvas Credit Union | 0.15% | 0.30% | 0.45% | 0.80% | |
Camden National Bank | 0.15% | 0.15% | 0.25% | 0.60% | 0.80% |
Bellwether Community CU | 0.25% | 0.30% | 0.50% | 0.80% | |
Barclays | 0.10% | 0.10% | 0.55% | 0.65% | 0.80% |
BANKWEST | 0.10% | 0.15% | 0.30% | 0.4 | 0.80% |
Ally Bank | 0.20% | 0.20% | 0.55% | 0.80% | |
Achieva Credit Union | 0.20% | 0.30% | 0.40% | 0.80% | |
A+ Federal Credit Union | 0.25% | 0.35% | 0.50% | 0.80% | |
Widget Financial | 0.30% | 0.35% | 0.50% | 0.75% | |
Washington Trust | 0.10% | 0.10% | 0.10% | 0.20% | 0.75% |
Vantage Credit Union | 0.10% | 0.15% | 0.25% | 0.75% | |
Service 1st Credit Union | 0.10% | 0.15% | 0.25% | 0.45% | 0.75% |
Oregon Community Credit Union | 0.25% | 0.30% | 0.35% | 0.75% | |
NexBank | 0.35% | 0.45% | 0.60% | 0.75% | 0.75% |
Mountain America Credit Union | 0.20% | 0.25% | 0.45% | 0.75% | |
GreenState Credit Union | 0.20% | 0.30% | 0.40% | 0.40% | 0.75% |
First Community Bank | 0.20% | 0.25% | 0.45% | 0.75% | |
Fidelity Bank & Trust | 0.10% | 0.15% | 0.20% | 0.30% | 0.75% |
Cyprus Credit Union | 0.25% | 0.30% | 0.40% | 0.75% | |
CorTrust Bank | 0.05% | 0.15% | 0.20% | 0.30% | 0.75% |
Centra Credit Union | 0.15% | 0.25% | 0.35% | 0.45% | 0.75% |
Baltimore County Employees FCU | 0.30% | 0.40% | 0.75% | ||
APCI Federal Credit Union | 0.15% | 0.25% | 0.40% | 0.45% | 0.75% |
American Eagle Federal CU | 0.15% | 0.15% | 0.20% | 0.30% | 0.75% |
Lone Star National Bank | 0.20% | 0.25% | 0.30% | 0.41% | 0.71% |
United Federal Credit Union | 0.10% | 0.15% | 0.20% | 0.40% | 0.70% |
Sound Credit Union | 0.15% | 0.20% | 0.30% | 0.40% | 0.70% |
Riegelwood Federal CU | 0.10% | 0.20% | 0.35% | 0.70% | |
Park Community Credit Union | 0.30% | 0.30% | 0.35% | 0.70% | |
Members Credit Union | 0.25% | 0.30% | 0.50% | 0.70% | |
MECU | 0.20% | 0.35% | 0.45% | 0.70% | |
Limelight Bank | 0.45% | 0.55% | 0.60% | 0.70% | |
Langley Federal Credit Union | 0.20% | 0.35% | 0.60% | 0.60% | 0.70% |
Insight Credit Union | 0.10% | 0.20% | 0.30% | 0.40% | 0.70% |
Georgia United CU | 0.15% | 0.20% | 0.30% | 0.45% | 0.70% |
Freedom Credit Union | 0.15% | 0.20% | 0.35% | 0.70% | |
Erie Federal Credit Union | 0.30% | 0.30% | 0.40% | 0.70% | |
Credit Union 1 | 0.25% | 0.30% | 0.40% | 0.70% | |
American Airlines Credit Union | 0.30% | 0.30% | 0.70% | ||
Alaska Federal Credit Union | 0.15% | 0.25% | 0.40% | 0.40% | 0.70% |
Accessbank TX | 0.10% | 0.20% | 0.25% | 0.40% | 0.70% |
Community National Bank | 0.29% | 0.37% | 0.68% | ||
Bank of Missouri | 0.16% | 0.26% | 0.36% | 0.43% | 0.66% |
Univest Bank | 0.05% | 0.35% | 0.45% | 0.65% | |
Security Service Credit Union | 0.15% | 0.25% | 0.35% | 0.65% | |
PrimeBank | 0.10% | 0.15% | 0.30% | 0.45% | 0.65% |
Piedmont Advantage Credit Union | 0.10% | 0.20% | 0.25% | 0.40% | 0.65% |
NHFCU | 0.30% | 0.40% | 0.45% | 0.65% | |
First National Bank | 0.10% | 0.15% | 0.25% | 0.35% | 0.65% |
Eglin Federal Credit Union | 0.25% | 0.30% | 0.50% | 0.50% | 0.65% |
Dacotah Bank | 0.05% | 0.05% | 0.10% | 0.20% | 0.65% |
Credit Union of America | 0.20% | 0.30% | 0.40% | 0.50% | 0.65% |
Citizens and Farmers Bank | 0.20% | 0.25% | 0.30% | 0.40% | 0.65% |
BELLCO | 0.15 | 0.25% | 0.35% | 0.45% | 0.65% |
Belco Community Credit Union | 0.08% | 0.10% | 0.25% | 0.40% | 0.65% |
Appliance Credit Union | 0.05% | 0.10% | 0.15% | 0.65% | |
Veridian CU | 0.30% | 0.40% | 0.60% | ||
Union Bank & Trust | 0.15% | 0.15% | 0.25% | 0.45% | 0.60% |
Tyndall Federal Credit Union | 0.25% | 0.35% | 0.60% | ||
Southern Bank | 0.10% | 0.20% | 0.60% | ||
Somerset Trust Company | 0.10% | 0.10% | 0.20% | 0.35% | 0.60% |
Signature Bank | 0.11% | 0.16% | 0.30% | 0.60% | |
Self Help Credit Union | 0.10% | 0.15% | 0.40% | 0.45% | 0.60% |
Security Bank of Kansas City | 0.05% | 0.10% | 0.25% | 0.40% | 0.60% |
Marine Federal Credit Union | 0.15% | 0.30% | 0.35% | 0.40% | 0.60% |
Lake City Bank | 0.15% | 0.25% | 0.60% | ||
Kearny Bank | 0.05% | 0.05% | 0.10% | 0.15% | 0.60% |
Community Choice Credit Union | 0.10% | 0.15% | 0.25% | 0.30% | 0.50% |
Citibank | 0.05% | 0.05% | 0.10% | 0.10% | 0.15% |
Best 3-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Spectrum Credit Union | 0.50% APY | 3 Months | $500.00 |
Navy Federal Credit Union | 0.40% APY | 3 Months | $1,000.00 |
Chevron Federal Credit Union | 0.50% APY | 3 Months | $500.00 |
Luana Savings Bank | 0.55% APY | 3 Months | $1,000.00 |
Best 12 Month CD Rates | Rate | Minimum |
---|---|---|
Live Oak | 1.75% APY | $2,500.00 |
Limelight Bank | 1.25% APY | $1,000.00 |
Lafayette Federal Credit Union | 0.80% APY | $5,000.00 |
CommunityWide FCU | 0.75% APY | $1,000.00 |
Best 2-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Connexus Credit Union | 2.86% APY | 24 Months | $5,000 |
Oceanview Harbourview Annuity | 2.85% APY | 24 Months | $20,000 |
Popular Direct | 2.30% APY | 24 Months | $10,000 |
BMO Harris | 2.25% APY | 24 Months | $1,000 |
PenFed Credit Union | 1.25% APY | 24 Months | $1,000 |
Best 3-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Sagicore Milestone 3 | 3.50% APY | 36 Months | $100,000 |
Connexus Credit Union | 3.01% APY | 36 Months | $5,000 |
My Banking Direct | 1.40% APY | 36 Months | $500 |
Lafayette Federal Credit Union | 1.01% APY | 36 Months | 500 |
Best 4-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Sagicor | 3.70% APY | 48 Months | $100,000 |
Connexus Connexus Credit Union Credit Union | 3.11% APY | 48 Months | $5,000 |
NASA Federal Credit Union | 1.70% APY | 48 Months | $500 |
Teachers Federal Credit Union | 1.30% APY | 48 Months | $1000 |
Best 5-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Milestone 5 | 3.85% APY | 60 Months | $100,000 |
Connexus Credit Union | 3.21% APY | 60 Months | $5,000 |
BMO Harris | 2.80% APY | 60 Months | $1,000 |
Teachers Federal Credit Union | 1.65% APY | 60 Months | $1000 |
Fixed annuity rates are guaranteed for a set number number of years.
Term | Insurer | Annuity | Rating | Rate | Apply | |
---|---|---|---|---|---|---|
2 Years | Oceanview | Harbourview 2 | A- | 2.85% | ||
3 Years | Sagicor | Milestone 3 | A- | 3.50% | ||
4 Years | Sagicor | Milestone 4 | A- | 3.70% | ||
5 Years | Sentinel Security | Personal Choice | B++ | 4.05% | ||
6 Years | Oceanview | Harbourview 6 | A- | 4.30% | ||
7 Years | Sentinel Security | Personal Choice | B++ | 4.10% | ||
8 Years | Oxford Life | Multi-Select | A | 3.80% | ||
9 Years | Oxford Life | Multi-Select | A | 3.65% | ||
10 Years | Atlantic Coast Life | Safe Haven | B++ | 4.15% |
Definition: A CD, or certificate of deposit, is a bank account with a fixed interest rate that’s generally higher than that of a regular savings account, and a fixed date of withdrawal, known as the maturity date. Common terms range from three months to five years.
Pros: The ability to lock in rates when they’re high is one of the most attractive features of a CD, especially since regular savings accounts have variable rates subject to change at any time. Even outside of high-rate environments, though, CDs provide a safe, federally insured place for short-term savings.
Cons: You’ll generally have to pay a penalty if you withdraw your money before a CD matures; the penalty can be equal to several months or a year’s worth of interest.
What else to consider: Fixed Annuities provide guaranteed rates for a set number of years and typically pay higher interest rates than a CD.
Use our compound interest calculator to see how much a Certificate of Deposit will pay you monthly or annually.
In 18 of the past 30 years, CDs have had a negative return (after taking into account the impact of taxes and inflation), and in three of the positive years, they earned less than a 1% real rate of return.
Have you considered the impact that taxes have on interest? Or, have you accounted for the impact inflation may have on your overall rate of return?
Generally, the interest received in these types of vehicles may not keep pace with inflation. This could mean lower purchasing power for you over time. Also, at renewal, a new rate along with a new withdrawal penalty may apply.
Here’s a quick way to determine your CD’s real rate of return:
While not FDIC insured, State Guaranty Associations provide a safety net for their state’s annuity policyholders. These Guaranty Associations guarantee policyholders continue to receive coverage (up to the limits spelled out by state law) even if their insurer is declared insolvent. Source: “Learn to Invest, Investment Types, Annuities, Fixed Annuities.” Financial Industry Regulatory Authority (FINRA). Visit FINRA’s Fixed Annuities Webpage
You can not lose money in a fixed annuity. However, guarantees are backed by the claims-paying ability of the issuing insurance company so it is important to consider an insurer’s financial rating when shopping for an annuity.
Fixed Annuities do not have any fees or expenses unless you add an additional rider that was not mentioned on this page.
A no-penalty CD is a type of CD that doesn’t have a penalty for withdrawing money before the term ends. It can be appealing if you want the traditionally higher yield of a CD, compared to regular savings accounts, but you might need the money sooner than you expect.
Most CDs have an early withdrawal penalty that tends to range from several months to a year’s worth of interest earned, depending on the CD term length and the bank’s policy. No-penalty CDs are the only type of CD that lets you withdraw money from a CD early without a fee.
Key Take-Aways
A certificate of deposit is very similar to a fixed annuity. If you are looking for a safe and steady way to grow your retirement savings you can learn more about fixed “CD Type Annuities“ here.
If you would like a personalized annuity quote you can contact us or use one of our fixed annuity calculators to see how much an annuity would pay you.
The Federal Reserve’s interest rate decisions can impact the rates that banks offer on CDs. When the Fed raises or lowers the federal funds rate, banks typically respond by moving savings and money market account yields in the same direction.
CDs tend to track Treasuries closely. In 2019, a year when the Fed lowered rates three times, CDs generally decreased before or after a Fed rate cut.
Two emergency Fed rate cuts in March, and decreasing Treasury, are reasons many high-yield CDs decreased in 2020.
My Annuity Store, Inc. pulled the CD rate information listed on this page from Bankrate.com. Rates are not guaranteed, can change frequently and may not be available in all states. These rates are meant for general education and comparison purposes only.
The rate information above is obtained by Bankrate.com from the listed institutions. Bankrate.com or myannuitystore.com cannot guarantee the accuracy or availability of any rates shown above. Institutions may have different rates on their own websites than those posted on Bankrate.com.
All rates are subject to change without notice and may vary branch to branch. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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Annuities are distributed by My Annuity Store, Inc. Guarantees are subject to the claims-paying ability of the insurer. My Annuity Store, Inc. is a licensed fixed annuity producer and does not advise clients on the purchase of non-fixed annuity products. The information presented here is not intended to be a recommendation to purchase a fixed annuity, fixed index annuity, immediate annuity, longevity annuity, Qualified Longevity Annuity Contract, long-term care annuity, or any other investment or insurance product. Kiara Caudill California License: 4109080.
The contract features described may not be current and may not apply in the state in which you reside. Insurance companies often issue contracts that are ‘state-specific’. Insurance companies also change their products and information often and without notice. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. Please call (855) 583-1104 if you have any questions or concerns.
The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and is not intended to be tax or legal advice. You should always consult your own financial planning, tax, and legal advisors to determine if a fixed annuity, fixed index annuity, immediate annuity, longevity annuity, or Qualified Longevity Annuity Contract is suitable in your financial situation.