Safe Money · verified 2026-10-24
Best CD rates today, by term.
As of Oct 24, 2026, the top 1-year CD rate CashWars verified is 4.50% APY at Barclays. Best by term: 3-month 1.50% (Navy Federal Credit Union); 6-month 4.00% (Barclays); 1-year 4.50% (Barclays); 2-year 4.40% (Marcus by Goldman Sachs); 3-year 4.40% (Marcus by Goldman Sachs); 5-year 4.40% (Marcus by Goldman Sachs). All are FDIC or NCUA insured up to $250,000.
Safe Money · CD rates · 3-month · 6-month · 1-year · 2-year · 3-year · 5-year · No-penalty CDs · Savings · Money market · Treasuries
Best 3-month CDs
| # | Bank | APY | Term | Minimum to open | Early withdrawal penalty | Insured | Source |
|---|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union 3-month Standard Certificate Membership limited to military, veterans, DoD and their families | 1.50% | 3 months | $1,000 | Yes (see credit union terms) | NCUA insured (credit union) | Bank's page as of Oct 24, 2026 |
Best 6-month CDs
| # | Bank | APY | Term | Minimum to open | Early withdrawal penalty | Insured | Source |
|---|---|---|---|---|---|---|---|
| 1 | Barclays 6-month Online CD | 4.00% | 6 months | $0 | Yes (see bank terms) | FDIC insured | Bank's page as of Oct 7, 2026 |
| 2 | Marcus by Goldman Sachs 6-month High-Yield CD | 3.95% | 6 months | $500 | Yes (see Marcus CD FAQ) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 3 | Capital One 6-month 360 CD | 3.30% | 6 months | $0 | 3 months of interest | FDIC insured | Bank's page as of Oct 22, 2026 |
Best 1-year CDs
| # | Bank | APY | Term | Minimum to open | Early withdrawal penalty | Insured | Source |
|---|---|---|---|---|---|---|---|
| 1 | Barclays 12-month Online CD | 4.50% | 1 year | $0 | Yes (see bank terms) | FDIC insured | Bank's page as of Oct 7, 2026 |
| 2 | Capital One Special 11-month 360 CD | 4.40% | 11 months | $0 | 3 months of interest | FDIC insured | Bank's page as of Oct 22, 2026 |
| 3 | Marcus by Goldman Sachs 12-month High-Yield CD | 4.40% | 1 year | $500 | Yes (see Marcus CD FAQ) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 4 | Navy Federal Credit Union 12-month Standard Certificate Membership limited to military, veterans, DoD and their families | 4.05% | 1 year | $1,000 | Yes (see credit union terms) | NCUA insured (credit union) | Bank's page as of Oct 24, 2026 |
| 5 | Capital One 1-year 360 CD | 4.00% | 1 year | $0 | 3 months of interest | FDIC insured | Bank's page as of Oct 22, 2026 |
Best 2-year CDs
| # | Bank | APY | Term | Minimum to open | Early withdrawal penalty | Insured | Source |
|---|---|---|---|---|---|---|---|
| 1 | Marcus by Goldman Sachs 2-year High-Yield CD | 4.40% | 2 years | $500 | Yes (see Marcus CD FAQ) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 2 | Navy Federal Credit Union 24-month Standard Certificate Membership limited to military, veterans, DoD and their families | 3.66% | 2 years | $1,000 | Yes (see credit union terms) | NCUA insured (credit union) | Bank's page as of Oct 24, 2026 |
| 3 | Capital One 24-month 360 CD | 3.50% | 2 years | $0 | 6 months of interest | FDIC insured | Bank's page as of Oct 22, 2026 |
Best 3-year CDs
| # | Bank | APY | Term | Minimum to open | Early withdrawal penalty | Insured | Source |
|---|---|---|---|---|---|---|---|
| 1 | Marcus by Goldman Sachs 3-year High-Yield CD | 4.40% | 3 years | $500 | Yes (see Marcus CD FAQ) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 2 | Navy Federal Credit Union 3-year Standard Certificate Membership limited to military, veterans, DoD and their families | 4.10% | 3 years | $1,000 | Yes (see credit union terms) | NCUA insured (credit union) | Bank's page as of Oct 24, 2026 |
| 3 | Capital One 36-month 360 CD | 3.50% | 3 years | $0 | 6 months of interest | FDIC insured | Bank's page as of Oct 22, 2026 |
Best 5-year CDs
| # | Bank | APY | Term | Minimum to open | Early withdrawal penalty | Insured | Source |
|---|---|---|---|---|---|---|---|
| 1 | Marcus by Goldman Sachs 5-year High-Yield CD | 4.40% | 5 years | $500 | Yes (see Marcus CD FAQ) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 2 | Navy Federal Credit Union 5-year Standard Certificate Membership limited to military, veterans, DoD and their families | 3.85% | 5 years | $1,000 | Yes (see credit union terms) | NCUA insured (credit union) | Bank's page as of Oct 24, 2026 |
| 3 | Capital One 5-year 360 CD | 3.60% | 5 years | $0 | 6 months of interest | FDIC insured | Bank's page as of Oct 22, 2026 |
Best no-penalty CDs
| # | Bank | APY | Term | Minimum to open | Early withdrawal penalty | Insured | Source |
|---|---|---|---|---|---|---|---|
| 1 | Marcus by Goldman Sachs 11-month No-Penalty CD | 4.00% | 11 months | $500 | None after 7 days (must withdraw full balance) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 2 | CIT Bank (division of First Citizens Bank) No-Penalty 11-month CD | 3.90% | 11 months | $1,000 | None after 7 days | FDIC insured | Bank's page as of Oct 24, 2026 |
| 3 | Marcus by Goldman Sachs 13-month No-Penalty CD | 3.80% | 13 months | $500 | None after 7 days (must withdraw full balance) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 4 | Marcus by Goldman Sachs 7-month No-Penalty CD | 3.75% | 7 months | $500 | None after 7 days (must withdraw full balance) | FDIC insured | Bank's page as of Oct 24, 2026 |
| 5 | Ally Bank 11-month No Penalty CD | 2.90% | 11 months | $0 | None after the first 6 days | FDIC insured | Bank's page as of Oct 23, 2026 |
Is my money safe?
Yes, up to the limit. Every bank here is FDIC insured and every credit union is NCUA insured. That means the U.S. government backs your deposits up to $250,000 per person, per bank, for each type of ownership (for example, your own account, a joint account with your spouse, and a retirement account each count separately). If a bank fails, you get your money back up to that limit. According to the FDIC, no depositor has lost a penny of insured funds since it began in 1934.
Have more than $250,000? Spread it across banks, or add a joint owner or payable-on-death beneficiaries. FDIC: how coverage works · NCUA coverage
The CD ladder, in plain words
Instead of putting all your savings in one CD, split it into a few CDs that end at different times. Example with $20,000:
- $5,000 in a 6-month CD
- $5,000 in a 1-year CD
- $5,000 in a 2-year CD
- $5,000 in a 3-year CD
Every so often one CD comes due. You can spend that money if you need it, or move it into a new longer CD. You always have some money coming free soon, and the rest keeps earning a locked-in rate.
APY (annual percentage yield) is what $100 earns in a year, including interest on interest. Early withdrawal penalty is the interest you give up if you take money out of a regular CD before it ends.
Get new bonuses before they expire.
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