CD Rates

GLOSSARY:

• CD rates
• Certificates of deposit
• CD calculator
• 6-month CDs

More Terms

RELATED LINKS:

• 3 banks offer the top 24-month CD rates as November ends
• Two banks offer November’s top 12-month CD rates
• Top 6-month CD rates hold in December
• Two banks tie for top 12-month CD rates at year’s end
• Best 60-month CD rates tumble below 2% in January

Ten banks offer nationally available 6-month CDs that pay at least 0.75% APY, but none pay more than 0.85% APY.

Just four months ago, you could have earned more than 1% APY with our top nationally available deals.

Now the best return you'll find is 0.85% APY from Virtual Bank, the online division of Sabadell United Bank based in Miami. You'll need a $10,000 minimum deposit to earn that yield.

Despite falling CD rates, Virtual Bank still offers almost four times the national average of 6-month CDs, which is 0.22% APY, according to our most recent survey of banks and thrifts.

Stonebridge Bank, which has four branches in suburban Philadelphia, pays 0.80% APY and requires a $500 minimum.

AloStar Bank of Commerce, an online bank based in Birmingham, Ala., pays 0.76% APY and requires a $1,000 minimum.

As of Jan. 13, 2012, seven other banks pay 0.75% APY:

OneWest Bank, which has 82 branches in southern California, with a $1,000 minimum.

Discover Bank, an online bank owned by the credit card company, with a $2,500 minimum.

First Internet Bank of Indiana, an online bank located in Indianapolis, with a $1,000 minimum.

Colorado Federal Savings Bank, an online bank based in Greenwood Village, Colo., with a $5,000 minimum.

Doral Bank Direct, the online bank of Doral Bank, the leading community bank in Puerto Rico, which also has five branches in northwest Florida and two in New York City, with a $1,000 minimum.

Acacia Federal Savings Bank, an online bank owned by Acacia Life Insurance Co. based in Falls Church, Va., with a $500 minimum.

Ascencia Bank, the online division of PBI Bank in Louisville, Ky., with a $500 minimum.

To qualify for this list, a bank must allow savers from all 50 states to buy its certificates of deposit online or through the mail.

Click here to compare these returns with the top CD rates from dozens of banks in your area.

Our CD calculator will help you figure out the interest you'll earn, for any term, amount and interest rate.

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