Prime Alliance Bank	4.15%	Online Rate 24 Month Online CD - $500 Min. Early Withdrawal Penalty is 90 days interest.
howdoyoudo \| July 18, 2022 \| And how is this an online bank if they are inundating me with invitations to a customer appreciation free movie showing in some remote location in Utah? More Reviews

Customers Bank

4.15%

Online Rate with branch - View
24 MONTH - $500 Min.

Beal Bank USA

4.15%

Bank with nearby branch - View
24 MONTH - $1,000 Min.

Merrick Bank

4.10%

Online Rate with branch - View
24 Month CD - $25,000 Min.

Warning: Early Withdrawal Penalty is 2% of the account balance.

Seattle Bank

4.05%

Online Rate with branch - View
24 Month - $1,000 Min.

Early Withdrawal Penalty is 180 days interest.

Sallie Mae Bank	4.05%	Online Rate 24 Month CD - $2,500 Min.
JPreston \| January 7, 2023 \| Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews

Navy Federal Credit Union	4.05%	Online Rate with branch - View 24 Month - $100,000 Min.
Rc \| June 19, 2024 \| Least friendly bank I have ever dealt with. First wanted me to abandon my existing bank and move all direct deposit to them. Second no one even smiles or welcomes you. I got the feeling I was wasting t... More Reviews

M.Y. Safra Bank

4.00%

Online Rate
24 Month Online CD - $500 Min.

Early Withdrawal Penalty is 90 days interest.

Hyperion Bank

4.00%

Bank with nearby branch - View
24 MONTH - $500 Min.

Pentagon Federal Credit Union	4.00%	Online Rate with branch - View 2 Year Money Market Certificate - $1,000 Min.
Elizabeth \| July 22, 2023 \| Don't have an opinion now other than I like the % rate More Reviews

Colorado Federal Savings Bank

4.00%

Online Rate
24 Month CD - $5,000 Min.

Early Withdrawal Penalty is 6 months Interest.

My e-Banc, a division of Bradesco BAC Florida Bank

4.00%

Online Rate
24 Month - $5,000 Min.

Early withdrawal penalty is 6 months interest

Home Savings Bank

4.00%

Online Rate with branch - View
24 Month CD - $5,000 Min.

Navy Federal Credit Union	4.00%	Online Rate with branch - View 24 Month - $20,000 Min.
Rc \| June 19, 2024 \| Least friendly bank I have ever dealt with. First wanted me to abandon my existing bank and move all direct deposit to them. Second no one even smiles or welcomes you. I got the feeling I was wasting t... More Reviews

TotalDirect, a division of City National Bank of Florida	4.00%	Online Rate 24-Month CD - $25,000 Min.
J Dally \| June 13, 2023 \| 5% + on a savings rate is attractive, but the phone reps are trained to tell people as a first response to come to a branch to address any inquiries. (Thankfully, I don't live in Florida but I also means ... More Reviews

Connexus Credit Union	3.99%	Online Rate with branch - View Jumbo 24 Month - $100,000 Min.
Josh Hinson \| February 3, 2023 \| So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

First Internet Bank of Indiana

3.92%

Online Rate
24-Month CD - $1,000 Min.

Early Withdrawal Penalty is 360 days interest.

Synchrony Bank	3.90%	Online Rate 2 Year CD - $0 Min.
Judith \| May 12, 2023 \| I can’t get a real live person ever! Don’t use them ! More Reviews

BMO Alto, a division of Bank of Montreal Harris	3.90%	Online Rate 24 Month CD - $0 Min. Early Withdrawal Penalty is 180 days interest.
J Tremain \| February 22, 2024 \| They gave me the new, lower CD rate even though I had opened the account online when the CD rate was 0.15% higher. I checked with Wells and they had even initiated the transfer before they lowered the rat... More Reviews

Goldman Sachs Bank	3.90%	Online Rate 24 Month CD - $500 Min.
Leslie G \| December 7, 2021 \| I've been unable to log on all evening because of the AWS outage. Also, I waited on hold for over 1 hour before giving up. Unable to get access to my money and disappointed by the AWS reliance with no re... More Reviews

KS StateBank

3.90%

Online Rate with branch - View
2 YEAR - $500 Min.

Connexus Credit Union	3.89%	Online Rate with branch - View 24 Month - $5,000 Min.
Josh Hinson \| February 3, 2023 \| So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

Bank of Whittier, National Association

3.87%

Bank with nearby branch - View
24 Month Certificate of Deposit - $1,000 Min.

Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.85%	Online Rate 24 Month Online CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest.
Frog Stephane \| October 30, 2022 \| I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%). Whatever I made with this adjustme... More Reviews

Bread Savings, a division of Bread Financial	3.85%	Online Rate 2-Year CD - $1,500 Min. Early withdrawal penalty is 180 days interest.
PB VeganChic \| November 7, 2023 \| The rates are good but it was a hassle getting my account set up. The app does not work. I purchased a 5 year CD and I hope I don't have any issues when it's time to cash it out. I wouldn't recommend Bread... More Reviews

Popular Direct

3.80%

Online Rate
2 Year CD - $10,000 Min.

Early Withdrawal Penalty is 270 days interest.

Virtualbank, a division of First Horizon Bank	3.77%	Online Rate 2 Year CD - $10,000 Min. Warning: Early Withdrawal Penalty is 2% of principal.
YTu \| June 27, 2023 \| Amataur outfit - stay away More Reviews

ableBanking, a division of Northeast Bank

3.75%

Online Rate
2-Yr CD - $500 Min.

Northern Bank Direct	3.75%	Online Rate 24 Month CD - $500 Min. Warning: Early withdrawal penalty is 12 months of interest
Wazup \| October 13, 2022 \| might be a good as a local bank, but not set up as an online bank More Reviews

Vio Bank, A Division of MidFirst Bank	3.75%	Online Rate 24 Month CD - $500 Min.
Laura K \| July 14, 2021 \| My husband and I opened an account here. We were happy to get the slightly higher rate for a bit, but they were quick to lower it. And, then the fees started. More Reviews

Banesco USA

3.75%

Online Rate with branch - View
2 YEAR - $1,000 Min.

Early Withdrawal Penalty is 180 days interest.

Bask Bank, a division of Texas Capital Bank	3.75%	Online Rate 24 MONTH - $1,000 Min. Early Withdrawal Penalty is 180 days interest.
JQ25 \| July 20, 2023 \| This should be a red flag on their CD accounts! "APYs on term deposits assumes reinvestment of principal and interest at maturity, fees may reduce earnings on accounts." More Reviews

LendingClub	3.75%	Online Rate 2 Year CD - $2,500 Min. Early Withdrawal Penalty is 180 days interest.
JeromeK \| September 18, 2022 \| Let's see. A bank with a name like "LendingClub" that is focused on predatory straight cash lending in an economy that has gone from flush with cash to a deep recession (depression?) and that has a website... More Reviews

Citizens	3.75%	Online Rate with branch - View 24 MONTH online - $5,000 Min.
Abzo68 \| May 17, 2022 \| I have accounts at some of these other names where I make a little more, but if I need something (to access my cash or to cover an obligation somewhere), this is the place I go. Great service by phone too... More Reviews

Credit Union Of Georgia

3.75%

Credit Union with nearby branch - View
24 Month Jumbo - $100,000 Min.

Capital One 360	3.70%	Online Rate 24 Month CD - $0 Min.
Lucille Foster \| December 6, 2022 \| The MOST organized bank with easy to read online banking ever! More Reviews

Capital One, National Association	3.70%	Bank with nearby branch - View 24 MONTH - $0 Min.
Lucille Foster \| December 6, 2022 \| The MOST organized bank with easy to read online banking ever! More Reviews

Credit Union Of Georgia

3.70%

Credit Union with nearby branch - View
24 Month Standard - $500 Min.

TIAA Bank / Everbank	3.70%	Online Rate Basic CD - $1,000 Min. Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Jeff T \| November 21, 2023 \| Everbank is the same name that was issuing foreign currency CDs and saying there was no risk and then violating their own T&C to not pay out. It is back. Terrible bank, no matter what the name. More Reviews

Canadian Imperial Bank USA	3.70%	Online Rate 24 Month Online CD - $25,000 Min.
Wesley \| May 30, 2023 \| Thank you to this site for showing this CD rate. I could not find it on the three leading sites (Bankrate, BestCashCow or Nerdwallet). Heck, I couldn't even find it easily on CIBC's own website, but that... More Reviews