NASA Federal Credit Union offers competitive short-term CD rates, including a 9-month at 3.95% APY and a 15-month at 3.85% APY, both requiring a $10k minimum. Membership is required but accessible nationwide.
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Top Short-Term Rate: 3.95% APY on a 9-month Share Certificate
Other Notable Rate: 3.85% APY on a 15-month Share Certificate
Minimum Deposit for Specials: $10,000 in new funds from outside the credit union
Availability Window: Deposit must be made between March 1, 2026 and March 31, 2026
Vibrant Credit Union offers standout CD rates: 4.75% APY for 6 months, 4.50% for 13 months, and 4.25% for 23 months. Minimum deposit is just $5. Nationwide availability, NCUA insured.
Bellco Credit Union offers a 6-month CD at 4.75% APY and a 12-month at 4.00% APY, with just $500 to start. Open nationwide via SaveBetter. NCUA insured.
Amerant Bank offers competitive CD rates, including a 6-month term at 3.50% APY. Requires a $10,000 minimum deposit. Rates vary by state and are subject to change.
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Issuer: Amerant Bank
Minimum Deposit: $10,000
Featured Rate (Example): 6-Month CD at 3.50% APY (for Florida residents, as of bank data)
First Financial Northwest Bank offers a 12-month CD at 3.00% APY with just a $1 minimum deposit. Nationwide availability, FDIC insured, no fees. Compare with other top rates before locking in.
The Federal Savings Bank offers CDs with rates up to 4.50% APY, but requires a $5,000 minimum. We break down the terms, the bank's background, and what you should consider before locking in your cash.
Library of Congress FCU offers competitive CD rates up to 4.47% APY with a $500 minimum. Open to those who join the American Library Association. Rates are guaranteed and compound quarterly.
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Best Rate (APY): 4.47% for 12-17 month term
Minimum Deposit: $500
Term Lengths: 3 months to 5 years
Interest Compounding: Quarterly for terms 6 months and longer
Northpointe Bank offers a standout 4.50% APY on an 11-month CD, requiring a $25k minimum. A solid, FDIC-insured option for locking in a high rate for under a year.
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Featured Rate: 4.50% APY on an 11-Month CD Special
LendingClub Bank offers competitive CD rates, including a standout 4.10% APY for 8 months. Minimum deposit is $500, and your money is FDIC-insured. A good option if you can lock funds away.
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Featured Rate (8-Month CD): 4.10% APY
Other Available Terms & Rates: 6-month (3.90% APY), 1-year (3.50% APY), 18-month (3.50% APY), 2-year (3.50% APY), 5-year (3.40% APY)
Minimum Deposit: $500
Deposit Insurance: FDIC-insured up to $250,000 per depositor
Langley FCU offers a 12-month CD at 4.00% APY and a 24-month at 3.45% APY, with just a $500 minimum. Nationwide membership is easy. Learn the details and watch out for early withdrawal penalties.
Earn up to $400 with Bank of Hawaii's checking and savings bonuses. Open a new account, meet deposit and direct deposit requirements, and get cash rewards. Limited time offers for Hawaii residents.
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Maximum Checking Bonus: $300 (Bankohana Level I) or $100 (Convenience Checking)
Checking Bonus Requirements: Open account online or in-branch with $500 minimum deposit; $3,500 in Qualifying Direct Deposits within 60 days (Bankohana) or $2,000 (Convenience)
Savings Bonus: $200
Savings Bonus Requirements: Deposit $7,500 in New Money within 30 days; maintain $7,500 daily balance for 4 consecutive months
Brilliant Bank offers competitive short-term CD rates, like 4.55% APY for 9 months. Weigh the pros of a low $1k minimum against the early withdrawal penalty and limited state availability.
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Top CD Rates (as of Oct 30, 2024): 4.55% APY for 9-month term, 4.35% APY for 15-month term
Minimum Deposit: $1,000
Maximum Deposit: $500,000
Early Withdrawal Penalty: Forfeiture of half the interest the CD would have earned by maturity
Merchants Bank of Indiana offers a 5.39% APY Flex Index CD for 12, 24, or 36 months. Minimum $1,000. Rate tied to Prime minus 2.75%. FDIC insured. Nationwide availability.
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APY: 5.39% (Flex Index CD)
Terms Available: 12, 24, 36 months
Minimum Deposit: $1,000
Rate Type: Variable (based on Prime Rate minus 2.75%, floor 0%)
Financial Partners Credit Union offers a standout 6.00% APY on an 8-month CD, plus 4.75% on 4 or 7-month terms. Nationwide membership is available. Here's what you need to know.
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Top Offer: 6.00% APY on an 8-Month Special CD
Other Promotional Rates: 4.75% APY on 4-Month or 7-Month CDs
Minimum Deposit: $1,000 (for 4/7-month); $5,000 max for 8-month special
Membership Availability: Nationwide via the American Consumer Council
Nelnet Bank offers a nationwide high-yield savings account with a competitive 4.71% APY, no monthly fees, and a $1 minimum deposit. Learn how to open an account, what to watch out for, and whether it's the right fit for your savings goals.
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APY: 4.71% (as of October 4, 2024; previously 4.76%)
On October 1st, Bilt Rent Day offers complimentary Hilton Honors Gold status for 90 days. Stay 10+ days to keep it through 2025. Activate via Bilt Rewards.
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Offer: Complimentary Hilton Honors Gold status for 90 days
Activation Date: October 1st (Rent Day)
Maintain/Upgrade: Stay 10+ days to keep or upgrade status through 2025
Key Benefits: Room upgrades (subject to availability), late check-out, daily food & beverage credit, 5th night free on reward stays
Affirm offers a high-yield savings account at 3.85% APY with no minimum balance, no monthly fees, and FDIC insurance. Interest compounds daily and is paid monthly.
My eBanc offers up to 3.90% APY on savings, but requires a $25,000 opening deposit and has a $15 monthly fee if your balance dips below that. A solid rate for large balances, but watch the fees and requirements.
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Maximum APY: 3.90% for balances of $100,000 and above
APY for Lower Balances: 3.70% for balances below $100,000
Minimum to Open: $25,000
Monthly Fee: $15 if average daily balance falls below $25,000
Open a SoFi Checking & Savings via Rakuten to earn $250 cash back, then trigger SoFi's own $300 bonus with direct deposit. A potential $550 total, but timing and deposit rules are key.
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Total Potential Bonus: $550 ($250 from Rakuten + $300 from SoFi)
Primary Requirement: Open a new SoFi Checking & Savings account via a Rakuten link and complete a qualifying direct deposit.
Minimum Direct Deposit: $500
Deadline for Direct Deposit: Within 45 days of clicking the Rakuten link
Earn up to 2,000 bonus Southwest Rapid Rewards points by shopping through the portal. Spend $100 for 400 points or $350 for 2,000 points. Offer ends 9/18/24.
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Promotion: Earn up to 2,000 bonus points with qualifying purchases via Southwest Rapid Rewards Shopping
Tier 1 Bonus: 400 bonus points for spending $100–$349.99
Tier 2 Bonus: 2,000 bonus points for spending $350 or more
Bonus Period: September 9, 2024 at 12:00 a.m. ET through September 18, 2024 at 11:59 p.m. ET
My Banking Direct offers a competitive 5.25% APY on a 5-month CD with a $2,500 minimum. A solid, short-term option for cash you know you won't need for a few months.
BluPeak Credit Union offers a nationwide money market account at 3.75% APY with a $100 minimum. Here's what you need to know about membership, rates, and if it's right for you.