Average CD rates for December 11, 2019, are slightly lower compared to last week while the best CD rates on our rate list remain unchanged. Current average 12-month CD rates declined to 1.92 percent, down from last week’s average 12-month CD rate of 1.93 percent. The best 12 month CD rates on the rate list, from Live Oak Bank and Barclays, remain at 2.13 percent with an APY of 2.15 percent.

6-month CD rates are currently averaging 1.26 percent, a decline from last week’s average 6-month CD rate of 1.27 percent. The highest CD rates on 6-month certificates of deposit are at 1.84 percent with an APY of 1.85 percent from Goldwater Bank. To get the best deal on a certificate of deposit, be sure to compare bank CD rates online.

December 10, 2019 Average CD Rates

• 3-Month 0.77%
• 6-Month 1.26%
• 12-Month 1.92%
• 24-Month 1.94%
• 60-Month 2.03%

December 10, 2019 Best CD Rates

• 3-Month 1.65% MyBankingDirect
•  6-Month 1.85% Goldwater Bank
• 12-Month 2.15% Live Oak Bank and Barclays
• 24-Month 2.15% Live Oak Bank and Sallie Mae
• 36-Month 2.15% Live Oak Bank, Sallie Mae, TIAA Bank, and Citizens Access
• 48-Month 2.20% Live Oak, TIAA Bank, and Citizens Access
• 60-Month 2.25% Northpointe Bank, Synchrony Bank, Live Oak, and Citizens Access

To get the highest CD rates on a certificate of deposit, search for and compare online CD rates today.

Synchrony Bank CD rates are consistently in the top tier of online CD rates available and that remains true today. For an online bank like Synchrony Bank to always offer some of the best CD rates around is rather remarkable considering Synchrony Bank was spun off from GE Capital over 5 years ago. Prior to becoming a separate publicly traded company, Synchrony Bank was part of GE capital for over 80 years financing consumer purchases through credit cards.

The shortest certificate of deposit term and lowest CD rate from Synchrony Bank is the 3-month account currently at 0.75 percent. The longest CD term and highest CD rate at Synchrony Bank is the 5-year account at 2.23 percent with an APY of 2.25 percent. The minimum opening deposit for all CD accounts is $2,000. To make sure you are getting the best deal compare online CD rates with Synchrony Bank CD rates.

CD Rates Synchrony Bank

Addition Financial CD rates were recently increased on both short term and long term certificates of deposit. The best CD rates from Addition Financial are on 5-year certificates of deposit at 2.05 percent with an APY of 2.07 percent. 1-year to 23-month CD rates from Addition Financial are currently at 1.00 percent with an APY of 1.00 percent. 3-month to 5-month CD rates at Addition Financial currently have the lowest rate at 0.20 percent. All CD accounts have a minimum opening deposit of only $1,000.

CD Rates from Addition Financial

First Citizens Bank CD rate on the bank’s 11 month certificate of deposit is one of the highest CD rates available for a term less than 1 year. Current 11 month CD rates at First Citizens Bank are at 1.25 percent with an APY of 1.26 percent. The minimum opening balance to earn this special rate and yield is $25,000. Other CD rates from First Citizens Bank are not as good as the 11 month special rate, in fact the rates are rather low. 6 month CD rates are only yielding 0.10 percent and the highest overall CD rate is the bank’s 4 year rate at 0.45 percent.

New York Community Bank’s CD rates on two short term certificates of deposit are very competitive. 5 month CD rates from New York Community Bank are at 2.00 percent APY and their 5 month CD rate is higher than many other banks’ 12 month CD rates. The minimum opening deposit for a 5 month CD account from New York Community Bank is $2,500. Current 11 month CD rates from NYCB are slightly higher at 2.10 percent with a minimum opening deposit of only $500.

To get the best deal on a certificate of deposit, see how other banks’ CD rates compare with New York Community Bank CD rates at CDRates.MonitorBankRates.com.

Citizens Access CD rates for their online certificates of deposit are some of the best CD rates available right now. Citizens Access’ best combination of CD rate and term is the bank’s 6 month CD, which currently has a rate of 1.74 percent with an APY of 1.75 percent. The 6 month CD Rate at Citizens Access is currently better than many 12 month online CD rates available from other banks. Other short-term rates include the 18 month CD rate at 2.22 percent with an APY of 2.25 percent. The highest CD rate at Citizens Access is on the 60 month CD at 2.42 percent with an APY of 2.45 percent. The minimum opening deposit is $5,000.

Here is a complete list of Citizens Access CD rates.

•  6 month 1.75%
• 18 month 2.25%
• 2 year 2.30%
• 3 year 2.35%
• 4 year 2.40%
• 5 year 2.45%

Bank Direct CD rates are some of the best CD rates currently available from any online bank. Today’s 12 month CD rate at Bank Direct is at 2.25 percent with an APY of 2.28 percent. Their 18 month CD rates are slightly higher at 2.40 percent with an APY of 2.43 percent. The highest rate they’re offering is their 24 month CD rate 2.49 percent with an APY of 2.53 percent. Surprisingly, Bank Direct’s 36 month CD rate is only at 1.48 percent with an APY of 1.51 percent. To get the best investment deal on a CD account, compare other online CD rates with Bank Direct CD rates.

USAA CD rates were lowered recently, which isn’t unusual since the Federal Reserve lowered the fed funds rate. Both regular and jumbo CD rates at USAA were lowered. 2 year CD rates from USAA were lowered 8 basis points to 2.03 percent. 2 year jumbo CD rates from USAA were lowered 6 basis points to 2.21 percent. 4 year CD rates were lowered 12 basis points to 2.07 percent and 4 year jumbo CD rates were lowered 12 bps to 2.24 percent. 3 year jumbo rates were lowered to 2.30 percent, down from 2.38 percent. 5 year CD rates were lowered from 2.46 percent to 2.37 percent.

Brio Direct CD rates are currently some of the best CD rates available on short term certificates of deposit from any online bank. Current 9 month CD rates from Brio Direct are at 2.18 percent with an APY of 2.20 percent. This 9 month CD rate from Brio Direct is higher than most other banks’ 12 month CD rates. Speaking of 12 month CD rates, current 12 month CD rates from Brio Direct are at 2.47 percent with an APY of 2.50 percent. 12 month Brio Direct CD rates are the highest CD rates on our 1 year rate list. To get the best deal on a CD account compare other banks’ CD rates to Brio Direct CD rates.

Marcus by Goldman Sachs CD rates are some of the best CD rates available right now but that is only on the bank’s intermediate term certificates of deposit. Shorter term and longer term CD rates at Marcus by Goldman Sachs are not as good right now. You have to invest in a CD account with a term of 12 months to get the best CD rate from Marcus by Goldman Sachs.

For example, current 12 month CD rates from Marcus are at 2.47 percent with an APY of 2.50 percent. Where as 9 month CD rates are currently at 0.70 percent and 6 month CD rates are at 0.60 percent. 24 month CD rates at Marcus are offered at 2.55 percent, only 5 basis points above 1 year CD rates.

CD Rates from Marcus by Goldman Sachs

• 6 Month 0.60%

• 9 Month 0.70%

• 12 Month 2.50%

• 18 Month 2.50%

• 24 Month 2.55%

• 36 Month 2.60%

• 48 Month 2.65%

• 60 Month 2.80%

• 72 Month 2.85%