Find the Best CD Rates in the USA

Compare Certificates of Deposit from top financial institutions and maximize your returns with our up-to-date rate comparison tool.

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Current Best CD Rates in the USA

Our real-time rate comparison helps you find the highest returns on your investment.

CDs (Certificates of Deposit) offer a secure way to grow your savings with guaranteed returns.

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Top CD Rates - 1 Year Term

Financial Institution Rate Minimum Investment
Ally Bank 4.55% $100,000 Details
Marcus by Goldman Sachs 4.50% $50,000 Details
Capital One 4.40% $50,000 Details
Discover Bank 4.35% $100,000 Details

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Frequently Asked Questions About CDs

A Certificate of Deposit (CD) is a secure investment product offered by US financial institutions. When you purchase a CD, you're essentially lending money to the institution for a specific period in exchange for guaranteed interest payments.

Yes, CDs are one of the safest investment options in the USA. They offer guaranteed returns and are typically FDIC (Federal Deposit Insurance Corporation) insured up to $250,000 per depositor, per insured bank, for each account ownership category.

CD rates are influenced by factors such as the Federal Reserve's benchmark interest rate, term length, minimum deposit amount, and whether the CD has special features like bump-up or no-penalty options.

Most CDs charge an early withdrawal penalty if you take out your money before the maturity date. This penalty typically equals a certain number of months of interest. Some banks offer no-penalty CDs that allow withdrawals without fees, but these usually have lower interest rates.