First Foundation Bank	4.60%	Online Rate with branch - View 12-Month Online CD - $2,500 Min.
Jenny Pratt 8-1972 \| May 8, 2023 \| This is just a wonderful bank to do business with. I have some concerns about all of these smaller California banks so my husband and I just stay below FDIC insurance amounts ($500,000 as a couple). It is ... More Reviews

American Airlines Federal Credit Union

4.60%

Credit Union with nearby branch - View
12 Month Regular Share Certificate - $10,000 Min.

Canadian Imperial Bank USA	4.56%	Online Rate 1-Year CD - $25,000 Min. Early Withdrawal Penalty is 30 days interest.
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

Newtek Bank, National Association

4.55%

Online Rate with branch - View
12 Month - $2,500 Min.

Prime Alliance Bank	4.50%	Online Rate 12 Month Online CD - $500 Min. Early Withdrawal Penalty is 30 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

Limelight Bank, A division of Capital Community Bank	4.50%	Online Rate 12-Month CD - $1,000 Min. Early Withdrawal Penalty is 90 days interest.
John Grierer \| September 3, 2023 \| The ACH processes at this bank are terrible. At maturity of my CD, the bank refused an external ACH drawn from an outside bank, in spite of providing assurances that this would not happen together with th... More Reviews

TotalDirect, a division of City National Bank of Florida	4.50%	Online Rate 12-Month CD - $25,000 Min. Early Withdrawal Penalty is 6 months interest.
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

First Internet Bank of Indiana

4.42%

Online Rate
1-Year CD - $1,000 Min.

Early Withdrawal Penalty is 180 days interest.

Bask Bank, a division of Texas Capital Bank	4.40%	Online Rate 12 MONTH - $1,000 Min. Early Withdrawal Penalty is 90 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

Sallie Mae Bank	4.40%	Online Rate 12 Month CD - $2,500 Min. Early Withdrawal Penalty is 90 days interest.
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

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

4.35%

Online Rate
12 Month - $5,000 Min.

Early Withdrawal Penalty is 3 months interest.

Navy Federal Credit Union	4.35%	Online Rate with branch - View 12 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

Bank of Whittier, National Association

4.34%

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

BMO Alto, a division of Bank of Montreal Harris	4.30%	Online Rate 1-year 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

Gateway First Bank

4.30%

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

Union Bank and Trust Company

4.30%

Online Rate
12 MONTH - $1,000 Min.

Seattle Bank

4.30%

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

Early Withdrawal Penalty is 180 days interest.

Bread Savings, a division of Bread Financial	4.30%	Online Rate 1-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

National Cooperative Bank

4.30%

Online Rate
12 Month Impact Certificate of Deposit - $2,500 Min.

Early Withdrawal Penalty is 3 months interest.

CTBC Bank Corp. (USA)

4.30%

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

Navy Federal Credit Union	4.30%	Online Rate with branch - View 12 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

Ally Bank	4.25%	Online Rate 1 Year CD - $0 Min.
TeresaKnight \| August 1, 2022 \| Hard to imagine how Ally got to be so bad, but 1 hour to speak with anyone on the phone is just not good business. It however is slightly better than my other bank which is CIT which hangs up on me. More Reviews

Northfield Bank

4.25%

Online Rate
12 Month CD - $0 Min.

M.Y. Safra Bank

4.25%

Online Rate
12 Month Online CD - $500 Min.

Early Withdrawal Penalty is 90 days interest.

Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.25%	Online Rate 12 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

Citizens	4.25%	Online Rate 12 Month CD ONLINE - $5,000 Min. Early Withdrawal Penalty is 90 days interest.
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

Citizens	4.25%	Online Rate with branch - View 1-Year CD 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

Capital One 360	4.20%	Online Rate 12 Month CD - $0 Min. Early Withdrawal Penalty is 3 months interest.
Lucille Foster \| December 6, 2022 \| The MOST organized bank with easy to read online banking ever! More Reviews

Synchrony Bank	4.20%	Online Rate 12 Month CD - $0 Min. Early Withdrawal Penalty is 90 days interest.
Judith \| May 12, 2023 \| I can’t get a real live person ever! Don’t use them ! More Reviews

Capital One, National Association	4.20%	Bank with nearby branch - View 12 MONTH - $0 Min.
Lucille Foster \| December 6, 2022 \| The MOST organized bank with easy to read online banking ever! More Reviews

Goldman Sachs Bank	4.20%	Online Rate 12 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

ableBanking, a division of Northeast Bank

4.20%

Online Rate
One-Year CD - $500 Min.

Banesco USA

4.20%

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

Early Withdrawal Penalty is 90 days interest.

Ivy Bank, a division of Cambridge Savings Bank	4.20%	Online Rate 1-Year CD - $1,000 Min.
Siegalman again \| November 13, 2023 \| Indexed savings product from this bank is now 5.71%. Better than anything else on this site or available anywhere. More Reviews