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Nov. 2, 2017:  Top CD Rate Survey
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Historical CD Rates
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Our regular surveys of CD and Savings rates help you find the top rates offered by banks with FDIC insurance and credit unions with NCUA insurance.  Best Savings Account Rates iBonds

EE Savings Bond Rates

You can often get higher than advertised rates at your local branch if you do your homework. Print out the  "Highest CD Rate Survey" below and bring it in with you.   Also print out some of the advertisements showing rates advertised on your bank's competing web sites so you have proof.  (Make sure the date shows on your printout so they know it is current.) It costs money to get new accounts so Banks often give you a deal if you are ready to walk out the door with a cashier's check after you close your CD.        
Major World Market Graphs at a Glance CDs with FDIC from Banks You Can Trust
Major World Market Graphs at a Glance
              "Highest CD Rates Survey by Term"  (for a $10,000 Certificate of Deposit)
Rate (APY)

(Click link for Full Rate Sheets)
Vanguard Prime Money Market Fund - VMMXX
11/02/17 1.14%
Vanguard Prime Money Market (MM) Fund
Vanguard California Tax Exempt Money Fund:  VCTXX
11/02/17 0.76%
Vanguard Tax Exempt MM Fund
FDIC Daily Savings 11/02/17 1.50% Dollar Savings Direct
866-395-8693 $1 Min!
6 Mo US Treasury10/9/17
US Treasury Rates
US Series I Bonds
Rates for Older I-Bonds

11/01/17 2.48%
Rate is fixed for 6 months
Current iBond Rates &
I- Bonds Explained
1 Year CD
11/02/17 1.68%
Ever Bank
1 Yr US Treasury
11/01/17 1.46%
US Treasury Rates
2 Yr US Treasury
US Treasury Rates
2.5 Year CD
National Bank of NYC (NY)
3 Yr US Treasury
US Treasury Rates
5 Year CD
10/29/17 2.45%
 Seattle Bank
5 Yr US Treasury
11/01/17 2.01%
US Treasury Rate Quote
7 Year CD
11/02/17 2.30% Discover Bank &
2.27% @ PenFed CU 
10 Year CD
11/02/17 2.35%
Discover Bank
10 Yr US Treasury
11/01/17 2.37%
US Treasury Rates
30 Yr US Treasury
11/01/17 2.85%
US Treasury Rate Quote
Vanguard Money Market & US Treasury Rates shown for Reference
Our Historical CD Rate Survey Database

==> Current US Treasury Rates <==

Quotes:  US Treasury Rate Quotes

Graphs:  US Treasury Rates at a Glance

Make sure you read the article: Beware of Annuities

Bottom line:
It never hurts to ask the teller if better rates are available when you do your homework!

Rates and terms may change so read the fine print and make sure you get FDIC insurance!!!! 

Find the best (highest paying) CD rates from this survey.  Top CD Rates:  This is our latest survey of the APY interest rates paid for certificates of deposit by term followed by a list of all banks and credit unions in our database that includes but is not limited to: Citibank, BofA, Chase, Wachovia, Taunus, Wells Fargo, HSBC, US Bancorp, Suntrust, ABN, Citizens Financial, Capital One, National City, PenFed, World Savings and many more.

Survey of Rates by Term

Definition:  A Certificate of Deposit or CD is certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest.  Often there is a penalty for early withdrawal (taking your money out before the specified period of time.)

Definition:  A Liquid Certificate of Deposit gives you a CD rate that is usually better than most checking accounts while allowing more fluid access to your money.  That is you can take money out of the CD before it matures.  They usually pay higher rates than the offering bank's money market account but not the top rates of CDs held to the full term.  They are sort of "half and half" and thus offer rates that are in-between the two.

Rates and terms may change at any time.  Contact the listed bank for their current rates.

Warning:  Banks and credit unions with high promotion rates to attract new deposits often have high early withdrawal penalties to recover the benefits should you need your money before the agreed upon term.  Make sure you read the fine print before making a decision.  If you think you might need some of your money before 5 years, for example, then you should consider splitting it into several CDs with multiple terms.  Perhaps split the money into 5 CDs with terms of 1, 2, 3, 4 and 5 years.  If you don't need the money when the 1 yr CD matures, you can roll it over into a new 5YR CD then do the same each year until you have a ladder of 5YR CDs that mature one per year.                                                   
VeryBestCDRates.com   -  Best Savings Account Rates