Investing Answers Building and Protecting Your Wealth through Education Publisher of The Next Banks That Could Fail
Investing Answers Building and Protecting Your Wealth through Education Publisher of The Next Banks That Could Fail

The Best CD Rates in America

If you're a saver living in America, we know you're ready to earn more on your money

 So we've put together a list of the top-paying CDs and jumbo CDs in the country. We've categorized them by size (regular or jumbo) and term, with the ranking order based on the annual percentage yield (APY). 

These are the highest posted rates on the Internet (as of June 16, 2011) according to bankrate.com. Some banks do not post their rates online, so it can be beneficial to give your local bank or credit union a call for a quote as well (hint: community banks or credit unions can offer you great CD rates compared to larger banks).

[InvestingAnswers Feature: Beginner's Guide to Investing in CDs]

If you'd like to learn more about any of the CDs on this list, visit our bank directory for easy links to each bank's website.

Top 10



Top 10 (6 Months) National CD Rates     
Bank NameState APYRateMin Deposit
 AloStar Bank of CommerceAL1.12%1.12%$1,000 
 Aurora BankDE1.06%1.05%$1,000 
 Ascencia, a div. of PBI BankKY1.04%1.04%$500 
 VirtualBankFL1.01%1.00%$10,000 
 Colorado Federal Savings BankCO1.00%0.99%$5,000 
 OneWest Bank, FSBCA0.95%0.95%$1,000 
 Ally BankUT0.95%0.94%$0 
 Lone Star BankTX0.94%0.90%$1,000 
 Discover BankDE0.90%0.90%$2,500 
 giantbank.comMO0.85%0.85%$2,500 
      
Top 10 (1 Year) National CD Rates     
Bank NameState APYRateMin Deposit
 Doral BankPR1.40%1.39%$1,000 
 AloStar Bank of CommmerceAL1.31%1.30%$1,000 
 MetLife Bank, N.A.NJ1.30%1.29%$25,000 
 E-LoanIL1.26%1.25%$10,000 
 Ascencia, a div. of PBI BankKY1.22%1.21%$500 
 Aurora BankDE1.22%1.21%$1,000 
 Bank of Internet USACA1.21%1.20%$1,000 
 VirtualBankFL1.21%1.20%$1,000 
 Ally BankUT1.20%1.19%$0 
 Discover BankDE1.20%1.19%$2,500 
      
Top 10 (2 Year) National CD Rates     
Bank NameState APYRateMin Deposit
 MetLife Bank, N.A.NJ1.55%1.54%$25,000 
 USAATX1.50%1.49%$1,000 
 Bank of Internet USACA1.50%1.49%$1,000 
 Ascencia, a div. of PBI BankKY1.49%1.48%$500 
 Aurora BankDE1.49%1.48%$1,000 
 Ally BankUT1.49%1.47%$0 
 Intervest National BankNY1.46%1.45%$2,500 
 VirtualBankFL1.46%1.45%$10,000 
 Lone Star BankTX1.45%1.44%$1,000 
 OneWest Bank, FSBCA1.40%1.39%$1,000 
      
Top 10 (5 Year) National CD Rates     
Bank NameState APYRateMin Deposit
 Bank of Internet USACA2.49%2.46%$1,000 
 OneWest Bank, FSBCA2.45%2.42%$1,000 
 AuroraBankDE2.41%2.38%$1,000 
 First Internet Bank of IndianaIN2.40%2.37%$1,000 
 Ascencia, a div. of PBI BankKY2.38%2.35%$500 
 Intervest National BankNY2.38%2.35%$2,500 
 VirtualBankFL2.38%2.35%$10,000 
 Ally BankUT2.37%2.34%$0 
 Discover BankDE2.35%2.32%$2,500 
 Colorado Federal Savings BankCO2.30%2.27%$5,000 
      
Top 10 (6 Month) National JUMBO CD Rates     
Bank NameState APYRateMin Deposit
 AloStar Bank of CommerceAL1.12%1.12%$100,000 
 Aurora BankDE1.07%1.06%$100,000 
 VirtualBankFL1.01%1.00%$100,000 
 OneWest Bank, FSBCA0.95%0.95%$100,000 
 Discover BankDE0.90%0.90%$100,000 
 giantbank.comMO0.85%0.85%$100,000 
 AI BankDE0.75%0.75%$100,000 
 First internet Bank of IndianaIN0.75%0.75%$100,000 
 Bank of Internet USACA0.75%0.75%$100,000 
 Doral BankPR0.75%0.75%$100,000 
      
Top 10 (1 Year) National JUMBO CD Rates     
Bank NameState APYRateMin Deposit
 Doral BankPR1.40%1.39%$100,000 
 AloStar Bank of CommerceAL1.31%1.30%$100,000 
 E-LoanIL1.26%1.25%$100,000 
 Aurora BankDE1.24%1.23%$100,000 
 Bank of Internet USACA1.21%1.20%$100,000 
 VirtualBankFL1.21%1.20%$100,000 
 Discover BankDE1.20%1.19%$100,000 
 Ally BankUT1.20%1.19%$100,000 
 Intervest National BankNY1.18%1.17%$100,000 
 AIG BankDE1.15%1.14%$100,000 
      
Top 10 (2 Year) National JUMBO CD Rates     
Bank NameState APYRateMin Deposit
 USAATX1.55%1.54%$100,000 
 Aurora BankDE1.51%1.50%$100,000 
 Bank of Internet USACA1.50%1.49%$100,000 
 Intervest National BankNY1.46%1.45%$100,000 
 VirtualBankFL1.46%1.45%$100,000 
 Discover BankDE1.40%1.39%$100,000 
 OneWest Bank, FSBCA1.40%1.39%$100,000 
 Nationwide BankOH1.40%1.39%$100,000 
 AIG BankDE1.40%1.39%$100,000 
 California First National BankCA1.38%1.37%$100,000 
      
Top 10 (5 Year) National JUMBO CD Rates     
Bank NameState APYRateMin Deposit
 Bank of Internet USACA2.49%2.46%$100,000 
 OneWest Bank, FSBCA2.45%2.43%$100,000 
 Aurora BankDE2.43%2.40%$100,000 
 First Internet Bank of IndianaIN2.40%2.37%$100,000 
 Intervest National BankNY2.38%2.35%$100,000 
 VirtualBankFL2.38%2.35%$100,000 
 Ally BankUT2.37%2.34%$100,000 
 Discover BankDE2.35%2.32%$100,000 
 USAATX2.30%2.28%$100,000 
 AIG BankDE2.25%2.23%$100,000