Ranked by a year’s interest at each term

CD rates

CDs by term, ranked by what $10,000 earns over a year at each one’s published rate. Each row links the bank’s own page and says when we checked it.

Data as of Nov 8, 2026Updated Nov 8, 2026

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A year on $10,000 at the term’s top rate

6 months4.70%$470 a yearNASA · a 9-month term stands in
1 year4.80%$480 a yearEagleBank
18 months4.85%$485 a yearMerrick Bank
2 years5.00%$500 a yearKinecta · a 30-month term stands in
3 years5.10%$510 a yearToyota Financial Savings Bank
5 years5.25%$525 a yearToyota Financial Savings Bank

6-month CDs

143 CDs · sorted by a year on $10,000

9 Month Special CertificateNASA · source · checked Nov 8, 2026Also at this rate: High-Yield CertificateMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA 9-month term stands inA year on $10,000: $470APY4.70%To open$10,000PenaltyNot stated
6 Month CertificateNASA · source · checked Nov 8, 2026Also at this rate: CertificatesMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA year on $10,000: $455APY4.55%To open$1,000PenaltyNot stated
Consumer Certificate of DepositHappen Bank · source · checked Nov 8, 2026Also at this rate: Certificate of DepositA year on $10,000: $440APY4.40%To open$500PenaltyNot stated
High Yield Certificate of Deposit (CD)Merrick Bank · source · checked Nov 8, 2026A year on $10,000: $440APY4.40%To open$25,000PenaltyNot stated
Live Oak Bank Certificate of Deposit (CD) AccountLive Oak Banking Company · source · checked Nov 8, 2026A year on $10,000: $430APY4.30%To open$2,500Penalty$10690 days’ interest
9-Month CDEagleBank · source · checked Nov 8, 2026A 9-month term stands inA year on $10,000: $430APY4.30%To open$1,000PenaltyNot stated
CDBeal Bank USA · source · checked Nov 8, 2026A year on $10,000: $425APY4.25%To open$1,000PenaltyNot stated
6-Month CDPoppy Bank · source · checked Nov 8, 2026A year on $10,000: $425APY4.25%To open$1,000Penalty$3003% of what you take out
UMB Time Deposit Account (CD)UMB Bank · source · checked Nov 8, 2026A 3-month term stands inA year on $10,000: $425APY4.25%To open$500PenaltyNot stated

For a term under a year, a year’s figure assumes it renews at the same rate.

1-year CDs

176 CDs · sorted by a year on $10,000

Certificates of Deposit (CDs)EagleBank · source · checked Nov 8, 2026A year on $10,000: $480APY4.80%To openNot statedPenaltyNot stated
Certificate AccountsLandmark · source · checked Nov 8, 2026A year on $10,000: $480APY4.80%To open$500Penalty$11890 days’ interest
15 Month Special CertificateNASA · source · checked Nov 8, 2026Membership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA 15-month term stands inA year on $10,000: $475APY4.75%To open$10,000PenaltyNot stated
9 Month Special CertificateNASA · source · checked Nov 8, 2026Also at this rate: High-Yield CertificateMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA 9-month term stands inA year on $10,000: $470APY4.70%To open$10,000PenaltyNot stated
Certificate of DepositToyota Financial Savings Bank · source · checked Nov 8, 2026A year on $10,000: $468APY4.68%To open$1PenaltyNot stated
CDARS (Certificate of Deposit Account Registry Service)EagleBank · source · checked Nov 8, 2026A year on $10,000: $465APY4.65%To openNot statedPenaltyNot stated
Certificates of DepositCFG Bank · source · checked Nov 8, 2026A year on $10,000: $465APY4.65%To openNot statedPenaltyNot stated
High Yield Certificate of Deposit (CD)Merrick Bank · source · checked Nov 8, 2026A year on $10,000: $465APY4.65%To open$25,000PenaltyNot stated
Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $460APY4.60%To open$2,500Penalty$11390 days’ interest
CertificatesNASA · source · checked Nov 8, 2026Also at this rate: 12 Month CertificateMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA year on $10,000: $460APY4.60%To openNot statedPenalty$229182 days’ interest

18-month CDs

107 CDs · sorted by a year on $10,000

High Yield Certificate of Deposit (CD)Merrick Bank · source · checked Nov 8, 2026A year on $10,000: $485APY4.85%To open$25,000PenaltyNot stated
Certificate of DepositToyota Financial Savings Bank · source · checked Nov 8, 2026A year on $10,000: $484APY4.84%To open$1PenaltyNot stated
CertificatesNASA · source · checked Nov 8, 2026Also at this rate: 15 Month Special Certificate, High-Yield CertificateMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA 15-month term stands inA year on $10,000: $475APY4.75%To openNot statedPenalty$237182 days’ interest
Certificates of DepositCFG Bank · source · checked Nov 8, 2026A year on $10,000: $470APY4.70%To openNot statedPenaltyNot stated
Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $465APY4.65%To open$2,500Penalty$229180 days’ interest
18 Month CDEagleBank · source · checked Nov 8, 2026A year on $10,000: $465APY4.65%To open$1,000PenaltyNot stated
Sallie Mae Certificates of Deposit (CDs)Sallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $465APY4.65%To open$2,500PenaltyNot stated
Certificate of Deposit (CD)Barclays Bank Delaware · source · checked Nov 8, 2026A year on $10,000: $450APY4.50%To openNot statedPenaltyNot stated
High Yield CDAlly Bank · source · checked Nov 8, 2026A year on $10,000: $450APY4.50%To openNonePenalty$7460 days’ interest
Special CD Account - Term of One Year or GreaterSalem Five Cents Savings Bank · checked Nov 8, 2026A year on $10,000: $450APY4.50%To openNot statedPenaltyNot stated

2-year CDs

134 CDs · sorted by a year on $10,000

30-Month Promo CertificateKinecta · source · checked Nov 8, 2026Promotional rate, lasts 30 monthsA 30-month term stands inA year on $10,000: $500APY5.00%To open$1,000PenaltyNot stated
Certificate of DepositToyota Financial Savings Bank · source · checked Nov 8, 2026A year on $10,000: $499APY4.99%To open$1PenaltyNot stated
High Yield Certificate of Deposit (CD)Merrick Bank · source · checked Nov 8, 2026A year on $10,000: $485APY4.85%To open$25,000PenaltyNot stated
Certificates of DepositCFG Bank · source · checked Nov 8, 2026A year on $10,000: $482APY4.82%To openNot statedPenaltyNot stated
Consumer Certificate of DepositHappen Bank · source · checked Nov 8, 2026Also at this rate: Certificate of DepositA year on $10,000: $476APY4.76%To open$500PenaltyNot stated
Certificate of Deposit (CD)Barclays Bank Delaware · source · checked Nov 8, 2026A year on $10,000: $475APY4.75%To openNot statedPenaltyNot stated
Barclays Online CDBarclays Bank Delaware · source · checked Nov 8, 2026A year on $10,000: $475APY4.75%To openNonePenaltyNot stated
Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $470APY4.70%To open$2,500Penalty$232180 days’ interest
Sallie Mae Certificates of Deposit (CDs)Sallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $470APY4.70%To open$2,500PenaltyNot stated
CertificatesNASA · source · checked Nov 8, 2026Membership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA year on $10,000: $465APY4.65%To openNot statedPenalty$232182 days’ interest
24-Month CDEagleBank · source · checked Nov 8, 2026A year on $10,000: $465APY4.65%To open$1,000PenaltyNot stated

3-year CDs

98 CDs · sorted by a year on $10,000

Certificate of DepositToyota Financial Savings Bank · source · checked Nov 8, 2026A year on $10,000: $510APY5.10%To open$1PenaltyNot stated
30-Month Promo CertificateKinecta · source · checked Nov 8, 2026Promotional rate, lasts 30 monthsA 30-month term stands inA year on $10,000: $500APY5.00%To open$1,000PenaltyNot stated
High Yield Certificate of Deposit (CD)Merrick Bank · source · checked Nov 8, 2026A year on $10,000: $490APY4.90%To open$25,000PenaltyNot stated
Certificates of DepositCFG Bank · source · checked Nov 8, 2026A year on $10,000: $482APY4.82%To openNot statedPenaltyNot stated
Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $475APY4.75%To open$2,500Penalty$234180 days’ interest
Sallie Mae Certificates of Deposit (CDs)Sallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $475APY4.75%To open$2,500PenaltyNot stated
36 Month CertificateNASA · source · checked Nov 8, 2026Also at this rate: CertificatesMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA year on $10,000: $470APY4.70%To open$1,000PenaltyNot stated
36 Month Bump Rate CertificateNASA · source · checked Nov 8, 2026Membership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA year on $10,000: $460APY4.60%To open$1,000PenaltyNot stated
Certificate of Deposit (CD)Barclays Bank Delaware · source · checked Nov 8, 2026A year on $10,000: $450APY4.50%To openNot statedPenaltyNot stated
Barclays Online CDBarclays Bank Delaware · source · checked Nov 8, 2026A year on $10,000: $450APY4.50%To openNonePenaltyNot stated
Share CertificatesWright-patt Credit Union, Inc. · source · checked Nov 8, 2026Membership limited: employer, family, geography, military, organization, otherA year on $10,000: $450APY4.50%To open$500PenaltyNot stated

5-year CDs

98 CDs · sorted by a year on $10,000

Certificate of DepositToyota Financial Savings Bank · source · checked Nov 8, 2026A year on $10,000: $525APY5.25%To open$1PenaltyNot stated
Sallie Mae Bank Certificate of DepositSallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $500APY5.00%To open$2,500Penalty$247180 days’ interest
Standard/IRA CertificatesMountain America · source · checked Nov 8, 2026A year on $10,000: $500APY5.00%To open$500PenaltyNot stated
Sallie Mae Certificates of Deposit (CDs)Sallie Mae Bank · source · checked Nov 8, 2026A year on $10,000: $500APY5.00%To open$2,500PenaltyNot stated
Certificates of DepositCFG Bank · source · checked Nov 8, 2026A year on $10,000: $482APY4.82%To openNot statedPenaltyNot stated
CertificatesNASA · source · checked Nov 8, 2026Also at this rate: 60 Month CertificateMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA year on $10,000: $480APY4.80%To openNot statedPenalty$480365 days’ interest
49 Month Special CertificateNASA · source · checked Nov 8, 2026Also at this rate: High-Yield CertificateMembership: Complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsA 49-month term stands inA year on $10,000: $480APY4.80%To open$10,000PenaltyNot stated
Certificate of Deposit (CD)Barclays Bank Delaware · source · checked Nov 8, 2026A year on $10,000: $475APY4.75%To openNot statedPenaltyNot stated
Bump/IRA Bump CertificatesMountain America · source · checked Nov 8, 2026A year on $10,000: $475APY4.75%To open$500PenaltyNot stated
Barclays Online CDBarclays Bank Delaware · source · checked Nov 8, 2026A year on $10,000: $475APY4.75%To openNonePenaltyNot stated

Sorted by yearly value for $10,000 at each term's rate (a CD within 3 months of the term stands in, and says so). A bank’s accounts at the same rate share one row. Membership limits and promotional rates are shown on the row, never hidden behind it. Rates change often; the bank’s own page is the final word.