Депозитные сертификаты (CD) работают как онлайн-сберегательные счета, счета денежного рынка и расчетные счета с точки зрения предложения вознаграждения с нулевым риском. Разница в том, что компакт-диски «запирают ваши деньги» на определенный период времени. Чтобы получить доступ к своим средствам до истечения срока, вам придется заплатить штраф.
Хотя компакт-диски предлагают меньшую ликвидность, чем обычный текущий счет или сберегательный счет, вы можете получить более высокую норму прибыли с этим финансовым продуктом. Это особенно верно, если вы открываете учетную запись CD на более длительный срок; например, 60-месячный компакт-диск вместо 12-месячного компакт-диска.
По данным Федеральной корпорации по страхованию депозитов (FDIC), средние национальные ставки по депозитам варьируются от 0,02% до 0,24% в зависимости от срока депозита на момент написания статьи.
Тем не менее, довольно много банков предлагают значительно более высокие ставки CD для потребителей, которые проводят свои исследования. Мы сравнили десятки банков и финансовых учреждений, чтобы найти лучшие ставки CD на сегодняшний день. Если вы ищете компакт-диск высокой емкости, начните поиск здесь.
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Начните приумножать свои сбережения уже сегодня с помощью Депозитного сертификата (CD). Со счетом CD достижение краткосрочной цели становится проще. Чтобы улучшить финансовое состояние, нажмите на свое состояние и откройте его сейчас. xMinYMin">If your goal is securing a superior short-term investment, the best CD rates are worth exploring. To help in your search, we compared many of the top financial institutions and online banks to find options with the most attractive rates and terms. The banks below made our ranking due to the interest rates they offer and other features.
There are a few factors to consider, when choosing where to open a certificate of deposit. These include whether you want to open your CD in person or online, the rates and terms that apply, and the fees required to access your money early.
The following reviews explain the CD rates for each of the top banks we profile and other details you should know.
BBVA offers a variety of popular banking products, including certificates of deposit. Its CDs don’t require any monthly maintenance fees, and you can monitor your account at any time online or with the BBVA mobile banking app.
CD terms range from seven days to 15 years, and CDs with longer timelines paying higher CD rates. Note that penalties apply if you access your money early.
If you cash-out your CD early, with a term of one year or less, you’ll pay $25 plus 1% of the amount withdrawn. If you cash-out a CD with a longer term early, you’ll pay $25 plus 3% of the amount you cash out.
CD Rates: Online CDs with terms from 11 months to 36 months currently pay 0.05% APY.
Что его сдерживает: In addition to high fees charged when you cash out your money early, BBVA has a minimum deposit amount of $500.
CIT Bank is known for its popular high-yield savings account, known as Savings Builder, but it also offers an array of CDs with excellent terms. Its 11-month, no-penalty CD stands out since it offers an excellent return rate. There are also no penalties if you need to access your money early.
CIT Bank also offers term CDs with various other lengths, as well as jumbo CDs for deposits of $100,000 or more. None of its CDs come with account opening fees or account maintenance fees.
CD Rates: CIT Bank’s 11-month, no-penalty CD pays out 0.30% APY. Top rates are offered on their four-year and five-year CDs, which pay out 0.50% APY.
Что его сдерживает: CIT Bank offers very few locations nationwide, so chances are good you’ll have to open your account online. You’ll also need to come up with a minimum of $1,000 to get started.
With Discover, you can open a CD that lasts anywhere from three months to 120 months. There are no fees to open a CD, including account opening fees or maintenance fees.
Discover also stands out due to the reasonable penalties it charges if you need to access your money early. CDs with a term of less than one year, incur a penalty at three months of simple interest. For a CD that lasts one to four years, the penalty for cashing out early is just six months of simple interest.
CD Rates: The 120-month (10-year) CD is most rewarding, currently offering 1.00% APY, but that’s a long time to wait. If you’re willing to part ways with your funds for just two years, you can earn a rate of 0.65%.
Что его сдерживает: The minimum deposit on Discover CDs is $2,500, which is a high barrier to entry.
Marcus by Goldman Sachs is a popular online bank for personal loans and high-yield savings accounts, yet it also offers rewarding CDs. Terms for its CDs range from six months to six years, with a minimum $500 deposit to get started.
Marcus by Goldman Sachs even offers a 10-day guarantee that says you can move your rate up if the advertised rates on the CD you purchased increase within 10 days.
CD Rates: Some of the best CD rates from Marcus by Goldman Sachs are for its five-year or six-year CDs, which pay 0.60% APY. Marcus by Goldman Sachs also offers limited-time CD rate promotions, like 0.65% on a nine-month CD.
Что его сдерживает: Marcus by Goldman Sachs is an online bank only, so you don’t have the option to open your CD in person.
We chose Synchrony Bank for our ranking because it doesn’t impose a minimum balance requirement, yet has competitive CD rates. It offers a 15-day guarantee, which lets you raise your rate if the advertised rate increases within 15 days of your CD purchase.
Terms are available from three months to 60 months. Early withdrawal fees for their CDs are also reasonable. For example, early cash-outs on CDs with terms of 12 months or less charge 90 days of simple interest at the current rate.
CD Rates: Five-year (60-month) CDs currently pay 0.80% APY, and four-year (48-month) CDs pay 0.65% APY.
Что его сдерживает: Synchrony Bank CDs are meant to be opened and maintained online, so you consider a different bank if you’re hoping for a personalized experience or you prefer to bank in-person.
Finding the best CD rates is important if you want to maximize returns on your savings, yet there are other factors to consider before opening an account. We considered the following factors when compiling this list of banks with the best CD rates of 2021:
Although we gave preference to banks that apply the best rates to various CD terms, we focused on banks that offer at least one CD with an APY that is at least double the average CD rate nationwide. BBVA didn’t score well in this category, yet we included them due to their lack of account fees and strong reputation among major U.S. financial institutions.
We only considered banks that don’t charge fees to open a CD account. We also chose banks that don’t charge any monthly account maintenance fees.
Most banks charge an early withdrawal fee if you cash out your CD early, so we looked for banks with reasonable penalties. We also gave preference to accounts or CD options that don’t charge any penalty for early withdrawals.
Finally, we only included institutions in our ranking that offer FDIC insurance. This insurance secures up to $250,000 of CD funds per account holder.
If you have never opened a certificate of deposit before, you might wonder how they work and why people choose this option. Here are some important factors when considering a CD account.
| Best For | Available CD Terms | Best Rate Offered | |
| BBVA | Long-term CD options | Seven days to 15 years | 0.05% APY |
| CIT Bank | 11-month, no-penalty CD option | Six months to five years | 0.50% APY |
| Discover | Reasonable penalties for early withdrawals | Three months to 10 years | 1.00% APY |
| Marcus by Goldman Sachs | Low minimum deposit requirement | Six months to six years | 0.65% APY |
| Synchrony Bank | 15-day rate guarantee | Three months to five years | 0.80% APY |