Best CD Rates (Certificate of Deposit Rates)

The national average CD rates are down again this past week. CD rates will stay at the current levels or go even lower as long as the economy is slow and the Fed isn’t raising interest rates. Recent economic data released showed the U.S. economy slowing down rather quickly so interest rates won’t be heading higher anytime soon. 

In the Fed’s most recent statement released in late June the Fed said they decided to keep the fed funds rate in a targeted range of zero percent to one quarter percent. The fed also kept it’s language intact on keeping the fed funds rates low for an extended period of time since inflation is subdued.

The current national average 3 month CD rate at banks and credit unions is 0.34 percent this week, down from 0.44 percent in June. The current national average 6 month CD rate 0.41 percent is week, down from 0.682 in June. 12 month CD rates are averaging 0.86 percent also down from June’s average of 0.965 percent.

We have compiled a list of the highest CD rates from banks and credit unions in Houston, Texas. Our list of the highest CD interest rates includes 3 month CD rates, 6 month CD rates and 12 month CD rates.

Highest CD Rates and CD Yields in Houston, Texas

Highest 3 month CD Rates and CD Yields

• BankDirect CD Rates 0.75% APY 0.75% Min $10,000 
• Tennessee Commerce Bank CD Rates 0.75% APY 0.75% Min $2500 
• Ally Bank CD Interest Rate 0.74% APY 0.74% Min$ 1 
• EverBank CD Rate 0.70% APY 0.70% Min $1500 
• Discover Bank CD Rate 0.70% APY 0.70% Min $2500 
• Bank of the West CD Rates 0.70% APY 0.70% Min $10,000 
• Nationwide Bank CD Rates 0.70% APY 0.70% Min $10,000 

Highest 6 month CD Rates and CD Yields

• Flagstar Bank CD Interest Rate 1.24% APY 1.25% Min $500 
• Ally Bank Rates 1.13% APY 1.14% Min $ 1 
• Giantbank.com CD Rates at Bank 1.10% APY 1.11% Min $2500 
• Discover Bank CD Rates 1.09% APY 1.10% Min $2500 
• AIG Bank CD Rate 1.06% APY 1.06% Min $2500 
• Nationwide Bank CD Interest Rate 1.05% APY 1.05% Min $10,000 

Highest 12 month CD Rates and CD Yields

• Sallie Mae CD Rate 1.54% APY 1.55% Min $ 1 
• Flagstar Bank CD Rates 1.54% APY 1.55% Min $500 
• Discover Bank CD Rates 1.49% APY 1.50% Min $2500 
• Bank of Internet USA CD Rates 1.47% APY 1.48% Min $1000 
• Giantbank.com CD Rates 1.45% APY 1.46% Min $2500

Use our free CD calculator and free CD ladder calculator to figure out your certificate of deposit investment return.

The national average 12 month CD rate is currently at 0.80 percent. There are CD rates at credit unions and banks that are better than the national average CD rates. We searched our CD rates table for the best CD rates in Massachusetts.

The best 12 month CD rates in Massachusetts are from Flagstar Bank and Sallie Mae Bank. Both banks are currently offering 1 year CD rates in Massachusetts at 1.54 percent with an annual percentage yield (APY) of 1.55 percent. That rate is almost double the national average CD rate and average Massachusetts CD rate.

Discover Bank has the second best CD rate on our list of best CD rates in Massachusetts. Discover Bank is offering 12 month bank CD rates at 1.49 percent with an APY of 1.50 percent. Bank of Internet USA has the third best CD rate on our list. Bank of Internet’s current bank CD rate is 1.47 percent with an APY of 1.48 percent.

 Best CD Rates Massachusetts

• Sallie Mae 1.55% APY Min $ 1 
• Flagstar Bank 1.55% APY Min $500 
• Discover Bank 1.50% APY Min $2500 
• Bank of Internet USA 1.48% APY Min $1000 
• Giantbank.com 1.46% APY Min $2500 
• Ally Bank 1.46% APY Min $ 1 
• AIG Bank 1.41% APY Min $2500 
• Tennessee Commerce Bank 1.40% APY Min $2500 
• Nationwide Bank 1.35% APY Min $10,000 
• Pentagon Federal Credit Union 1.31% APY Min $1000 
• PenFed 1.31% APY Min $1000
• American Express Bank FSB 1.30% APY Min $ 0 
• EverBank 1.15% APY Min $1500 12 mo
• Middlesex Savings Bank 1.15% APY Min $250 
• BankDirect 1.11% APY Min $10,000 
• ING DIRECT 1.00% APY Min $ 1 
• First Internet Bank of IN 1.00% APY Min $1000 
• Citizens Union Savings Bank 1.00% APY Min $500 
• First Trade Union Bank 1.00% APY Min $500 
• Allstate Bank 0.90% APY Min $1000 
• E-LOAN.com 0.85% APY Min $10,000 
• Ameriprise Bank FSB 0.85% APY Min $10,000 
• Cape Cod Five Cents Savings Bank 0.80% APY Min $1000 
• Citibank 0.70% APY Min $10,000 
• Bank of America 0.65% APY Min $10,000 
• Sovereign Bank 0.65% APY Min $10,000 
• Capital One Direct Banking 0.50% APY Min $5000 
• HSBC Advance 0.40% APY Min $1000 
• Zions Bank 0.35% APY Min $1000 
• Chase 0.20% APY Min $10,000

Use our free CD calculator to calculate your CD investment return. Search and compare CD rates in your area at MonitorBankRates.com.

The national average 12 month CD rate is averaging 0.81 percent this morning. You can find bank CD rates and credit union CD rates higher than the current national average rate. In fact, the top CD rates on our 12 month CD rate list are almost double the current national average.

The best 12 month CD interest rates on our Arizona CD rate list are from Flagstar Direct and Sallie Mae Bank. Both banks currently have their 12 month CD rate at 1.54 percent with an annual percentage yield (APY) of 1.55 percent. The minimum opening balance for a certificate of deposit balance at Sallie Mae Bank is $1. Flagstar Bank’s minimum opening certificate of deposit balance is $500.

Discover Bank and Capital One Bank are tied for the second best 12 month CD rate. Both banks currently have their 12 month CD rate at 1.49% with an APY of 1.50 percent. Discover Bank’s minimum opening deposit is $2,500. Capital One Bank’s minimum opening deposit is $5,000.

Best CD Rates Arizona

• Sallie Mae 1.55% APY Min $ 1 
• Flagstar Bank 1.55% APY Min $500 
• Discover Bank 1.50% APY Min $2500 
• Capital One Direct Banking 1.50% APY Min $5000 
• Giantbank.com 1.46% APY Min $2500 
• Ally Bank 1.46% APY Min $ 1 
• AIG Bank 1.41% APY Min $2500 
• Tennessee Commerce Bank 1.40% APY Min $2500 
• Bank of Internet USA 1.35% APY Min $1000 
• Nationwide Bank 1.35% APY Min $10000 
• Pentagon Federal Credit Union 1.31% APY Min $1000 
• PenFed 1.31% APY Min $1000 
• American Express Bank FSB 1.30% APY Min $ 0 
• EverBank 1.15% APY Min $1500 12 mo
• BankDirect 1.11% APY Min $10000 
• HSBC Advance 1.01% APY Min $1000 
• ING DIRECT 1.00% APY Min $ 1 
• First Internet Bank of IN 1.00% APY Min $1000 
• Bank of Tuscon 1.00% APY Min $1000 
• Allstate Bank 0.90% APY Min $1000 
• E-LOAN.com 0.85% APY Min $10000 
• Ameriprise Bank FSB 0.85% APY Min $10000 
• Citibank CD Interest Rates 0.70% APY Min $10000 
• Bank of America Bank CD Rates 0.65% APY Min $10000 
• National Bank of Arizona CD Rates 0.65% APY Min $1000

Search and compare CD rates in your state or zip code at MonitorBankRates.com. You can find list of the highest CD rates at banks and credit unions. 

We also offer a free CD calculator and free mortgage calculator. You can also stay on top of current CD rates and mortgage rates by using our free CD rate widget and mortgage rate widget.

The current national average 3 month CD rate is 0.38 percent this morning. You can find 3 month CD rates at banks and credit unions higher than the national average CD rates. We have compiled a list of the best 3 month bank CD rates and credit union CD rates in the state of California.

The best 3 month CD rate on our list of current CD rates in California is from Luther Burbank Savings. The bank’s current 3 month bank CD interest rate is 0.90 percent with an annual percentage yield 0.90 percent. That CD rate is more than double the current national average 3 month CD rate. The minimum opening certificate of deposit account balance at Flagstar Bank is $1000.

BankDirect is second on the list with a current 3 month CD rate of 0.75 percent with an APY of 0.75 percent. BankDirect’s minimum opening certificate of deposit balance is $10,000.

La Jolla Bank is third on the list with the best 3 month CD rate in CA. The bank is offering their 3 month certificate of deposit with a CD rate and CD yield of 0.70 percent. The minimum opening deposit for a CD account at La Jolla Bank is $10,000.

Discover Bank, GiantBank.com and Nationwide Bank are tied for fourth on our list of CD rates in California. All three banks are curenlty offering 3 month bank CD rates at 0.65 percent with an AY of 0.65 percent. Discover Bank and Giantbank.com have a minimum opening deposit of $2,500 and Ally Bank’s minimum is only $1.

Current 3 Month CD Rates California

• Luther Burbank Savings CD Rate 0.90% APY 0.90% Min $1000 
• BankDirect Bank CD Rates 0.75% APY 0.75% Min $10,000 
• La Jolla Bank CD Interest Rates 0.70% APY 0.70% Min $10,000 
• Ally Bank CD Rate 0.69% APY 0.69% Min $ 1 
• Discover Banks CD Rates 0.65% APY 0.65% Min $2500 
• Giantbank.com CD Rate 0.65% APY 0.65% Min $2500 
• Nationwide Bank 0.65% APY Min $10000 
• Bank of the Sierra 0.59% APY Min $1000 
• EverBank 0.57% APY Min $1500 
• First Internet Bank of IN 0.50% APY Min $1000 
• CapitalSource Bank 0.50% APY Min $10,000 
• Tennessee Commerce Bank 0.50% APY Min $2500 
• E-LOAN.com 0.40% APY Min $10000 
• First Federal S&L 0.35% APY Min $1000 
• Bank of America 0.35% APY Min $10,000 
• Bank of Internet USA 0.35% APY Min $1000 
• Bank of Marin 0.30% APY Min $10,000 
• Westamerica Bank 0.30% APY Min $10,000 
• First Bank & Trust 0.30% APY Min $1000 
• Allstate Bank 0.30% APY Min $1000 
• Ameriprise Bank FSB 0.30% APY Min $10,000

Discover Bank is offering some of the highest CD rates currently available from any bank or credit union. Discover Bank’s CD rates are consistently in the top 5 CD rates at banks and credit unions listed on MonitorBankRates.com’s CD rate tables.

To read more about Discover Bank’s CD rates and to open an account go to either 12 month regular CD rates or 12 month IRA CD rates.

The bank’s regular 12 month CD rates are at 1.49 percent with an annual percentage yield of 1.50 percent. 12 month IRA CD rates are also 1.49 percent with an APY of 1.50 percent. The bank’s current 12 month CD interest rate is almost double the current national average 12 month CD rate of 0.83 percent.

Other certificate of deposit terms for both regular certifices of deposit and IRA certificates of deposit range between 3 months and 10 years. The bank’s current CD rates are the same for both regular CD rates and IRA CD rates.

Discover Bank CD Rates

• 3 Month CD Rates 0.65% APY 0.65%
• 6 Month CD Rates 1.14% APY 1.15%
• 9 Month CD Rates 1.14% APY 1.15%
• 12 Month CD Rates 1.49% APY 1.50%
• 18 Month CD Rates 1.59% APY 1.60%
• 24 Month CD Rates 1.88% APY 1.90%
• 30 Month CD Rates 2.03% APY 2.05%
• 3 Year Bank CD Rates 2.23% APY 2.25%
• 4 Year Bank CD Rates 2.42% APY 2.45%
• 5 Year Bank CD Rates 2.96% APY 3.00%
• 7 Year Bank CD Rates 3.20% APY 3.25%
• 10 Year Bank CD Rates 3.44% APY 3.50%

To learn more about Discover Bank’s CD rates and to open an account visit 12 month regular CD rates or 12 month IRA CD rates.

CD rates at AIG Bank are some of the best CD rates currently available. AIG Bank consistently is in the top 10 of CD rates at MonitorBankRates.com. AIG Bank’s current list of certificates of deposit are available in terms of 6 months to 5 years. The minimum opening certificate of deposit balance is $2,500.

AIG Bank also is offering their CD rates for financial advisers. AIG Bank’s current Advisor CD rates  aren’t as high as their regular CD rates. If you compare their 6 month CD rates you’ll see regular 6 month CD rates are at 1.05 percent and Advisor CD rates are at 0.65 percent.

Regular 12 month CD rates are also some of the best CD rates currently available. Regular 12 month bank CD rates are at 1.48 percent with an annual percentage yield of 1.49 percent.

AIG Bank CD Rates

• 6 Month Bank CD Rates 1.05% CD Yield 1.06%
• 12 Month CD Interest Rates 1.48% CD Yield 1.49%
• 18 Month CD Rate 1.59% CD Yield 1.60%
• 24 Month CD Rates 1.89% CD Yield 1.91%
• 36 Month CD Rates at Bank 2.27% CD Yield 2.30%
• 60 Months CD Rates 2.87% CD Yield 2.91%

For a current list of AIG CD rates go to aigbank.com.

The current national average 6 month CD rate is 0.67 percent this week. Of course you can find 6 month CD rates better than the national average 6 month CD rate. We have compiled a list of the best bank CD rates and credit union CD rates in California.

Find the highest bank CD rates and credit union CD rates at CDRates.MonitorBankRates.com.

The best 6 month CD interest rate on our list in California is offered by Flagstar Bank. The bank’s current 6 month bank CD rate is 1.24 percent with an annual percentage yield 1.25 percent. That CD interest rate is almost double the current national average 6 month CD rate. The minimum opening certificate of deposit account balance at Flagstar Bank is $500.

Discover Bank has the second highest 6 month CD rate on our list of best CD rates in California. Discover Bank’s current 6 month CD rate is 1.14 percent with an APY of 1.15 percent. The minimum opening CD account balance at Discover Bank is $2,500.

Third on our list of the best 6 month CD rates in CA is Ally Bank. The bank’s current 6 month CD rate is 1.13 percent with an APY of 1.14 percent. Ally Bank’s minimum opening deposit is only $1.

Best 6 Month CD Rates California

• Flagstar Bank 1.25% APY Min $500
• Discover Bank 1.15% APY Min $2500
• Ally Bank 1.14% APY Min $ 1
• Giantbank.com 1.11% APY Min $2500
• AIG Bank 1.06% APY Min $2500
• Nationwide Bank 1.05% APY Min $10,000
• First Federal Bank of California 1.00% APY Min $500
• Luther Burbank Savings 1.00% APY Min $1000
• American Express Bank FSB 1.00% APY Min $ 0
• Tennessee Commerce Bank 1.00% APY Min $2500
• La Jolla Bank 1.00% APY Min $10,000
• Pentagon Federal Credit Union 0.90% APY Min $1000
• EverBank 0.90% APY Min $1500
• BankDirect 0.90% APY Min $10,000
• CapitalSource Bank 0.85% APY Min $10,000
• ING DIRECT 0.75% APY Min $ 1
• First Internet Bank of IN 0.75% APY Min $1000
• Bank of Internet USA 0.75% APY Min $1000
• Ameriprise Bank FSB 0.60% APY Min $10,000
• E-LOAN.com 0.55% APY Min $10,000
• First Federal S&L 0.50% APY Min $1000

Compare CD rates from several banks and credit unions in minutes at MonitorBankRates.com.

The highest 12 month CD rates on our Joliet, Illinois CD rate list are from Sallie Mae and Flagstar Bank. The banks top with list with a CD rate of 1.54 percent with an annual percentage yield of 1.55 percent. The minimum opening certificate of deposit balance at Sallie Mae Bank is $1. Flagstar Bank’s minimum opening deposit is $500.

Looking for the bank CD rates and credit union CD rates? Use our CD rate table at CDRates.MonitorBankRates.com to find the highest CD rates in your area.

Bank of Internet’s 12 month CD rate is the second highest CD rate and CD yield on our list. The bank is currently offering their 12 month CD rate at 1.53 percent with an APY of 1.54 percent. Bank of Internet’s minmum opening account balance is $1,000.

Highest CD Rates Joliet, Illinois

• Sallie Mae 1.55% APY Min $ 1
• Flagstar Bank 1.55% APY Min $500
• Bank of Internet USA 1.54% APY Min $1000
• Discover Bank 1.50% APY Min $2500
• American Express Bank 1.50% APY Min $ 0
• Nationwide Bank 1.50% APY Min $10,000
• Ally Bank 1.49% APY Min $ 1
• AIG Bank 1.49% APY Min $2500
• Giantbank.com 1.46% APY Min $2500
• Tennessee Commerce Bank 1.45% APY Min $2500
• Pentagon Federal Credit Union 1.31% APY Min $1000
• ING DIRECT 1.25% APY Min $ 1
• EverBank 1.23% APY Min $1500
• BankDirect 1.11% APY Min $10,000
• HSBC Advance 1.01% APY Min $1000
• First Internet Bank of IN 1.00% APY Min $1000
• Allstate Bank 1.00% APY Min $1000
• Foster Bank 1.00% APY Min $1000
• Ameriprise Bank FSB 0.90% APY Min $10,000
• E-LOAN.com 0.85% APY Min $10,000
• Citibank 0.75% APY Min $10000
• Bank of America 0.65% APY Min $10,000
• National City of the Midwest 0.60% APY Min $1000
• Capital One Direct Banking 0.50% APY Min $5000
• First National Bank of Brookfield 0.50% APY Min $1000

Find the best CD rates at MonitorBankRates.com.

The current national average 3 month CD rate is only 0.425 percent this morning but you can find 3 month CD rates better than the national average rate. We have compiled a list of the best CD rates at banks and credit unions in the state of Florida.

Searching for the best CD rates at credit unions and banks? Use our CD rates table at CDRates.MonitorBankRates.com to find the best bank CD rates and credit union CD rates  in your area.

The best 3 month CD rate on our list is offered by Third Federal Bank. The bank’s current 3 month CD rate is 0.90 percent with an annual percentage yield of 0.90 percent. That CD rate is more than double the current national average 3 month CD interest rates. The minimum opening CD account balance at Third Federal is $500.

Tied for second on the list of best 3 month CD rates is BankDirect and Nationwide Bank. Both banks are currently offering a 3 month bank CD rate of 0.75 percent with an APY of 0.75 percent. The minimum opening account balance at both banks to earn the 0.75 percent CD rate and CD yield is $10,000.

Ally Bank has the fourth highest 3 month CD rate. The bank’s current 3 month CD rate is 0.74 percent with an APY of .074 percent. Ally Bank’s minimum opening certificate of deposit account balance is only $1.

Best 3 Month CD Rates in Florida

• Third Federal 0.90% APY Min $500
• BankDirect CD Rates 0.75% APY Min $10,000
• Nationwide Bank 0.75% APY Min $10,000
• Ally Bank 0.74% APY Min $ 1
• EverBank 0.70% APY Min $1500
• Discover Bank 0.65% APY Min $2500
• Giantbank.com 0.65% APY Min $2500
• AmTrust Bank/Ohio Savings 0.65% APY Min $10,000
• First Internet Bank of IN 0.50% APY Min $1000
• Allstate Bank 0.40% APY Min $1000
• Tennessee Commerce Bank 0.40% APY Min $2500
• E-LOAN.com 0.40% APY Min $10,000
• Bank of America 0.35% APY Min $10,000
• Bank of Internet USA 0.35% APY Min $1000
• Ameriprise Bank FSB 0.35% APY Min $10,000

Worst 3 Month CD Rates in Florida

• Citibank 0.25% APY Min $10,000
• Coastline FCU 0.25% APY Min $1000
• SunTrust Bank 0.15% APY Min $10,000
• Bank of America 0.10% APY Min $10,000
• Zions Bank 0.10% APY Min $1000
• Chase CD Rates 0.10% APY Min $10,000
• HSBC Advance 0.05% APY Min $1000
• Regions Bank 0.05% APY Min $2500
• Wachovia Bank CD Rates 0.01% APY Min $10,000