bank rates

CD Rates Leaderboard For December 24

I feel great.

I just took advantage of a local deal we told you about a couple of weeks ago and bought a 24-month CD at Great American Bank for 3.00% APY.

Yeah, I had to go to the bank’s suburban Chicago office to make the purchase.

But the staff was friendly and efficient, and I really enjoyed taking $5,000 out of a Fifth Third Bank savings account, where it was earning much less than 1%, and carrying the check across the street to take advantage of a better-paying investment.

Savers don’t get to do that very often in this lousy market, and I’d almost forgotten the satisfaction of earning a reasonable return on my hard-earned money.

Here’s where to find the best nationally available CD rates right now:

TERM BANK RATE MIN. DEPOSIT
3-Month CDs Sanibel Captiva 0.95% APY $1,000
6-Month CDs Aurora Bank 1.11% APY $1,000
Bank of Internet 1.11% APY $1,000
Ascencia 1.11% APY $1,000
12-Month CDs Melrose Credit Union 1.41% APY $5,000
Bank of Internet 1.41% APY $1,000
24-Month CDs OneWest 1.70% APY $1,000
36-Month CDs Melrose Credit Union 2.17% APY $5,000
60-Month CDs Melrose Credit Union 2.93% APY $5,000


Banks and credit unions qualify for our rankings by selling their certificates of deposit online or through the mail, to savers nationwide.

Sanibel Captiva refers to Sanibel Captiva Community Bank, which has three branches in southwest Florida.

New York-based Melrose Credit Union continues to be one of the few credit unions eligible for our rankings because its unique charter allows anyone to join for only $1, regardless of where they live or work. (You will also be required to hold at least $25 in a savings account.)

Compare these returns with the best CD rates from scores of other banks in our database.

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