Live offers across tracked providers in United States — updated daily from the Giraffy database.
25 live offers compared from 14 providers, from $0. Updated daily.
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High-yield CDs from Goldman Sachs. No fees. Rate bump option on 20-month CD.
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No minimum deposit CD. Raise Your Rate CD option. Strong mobile banking experience.
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Among the highest CD rates in the US. No minimum deposit. Online-only bank.
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$10,000 minimum deposit required. Top-tier CD rates. Strong digital banking experience.
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$1,500 minimum deposit. Competitive CD rates. Allied with Bread Financial (Comenity Bank).
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No minimum deposit. Competitive rates. Bump-up CD available for rate increases.
$3.75 /month
$3.75 /month
$4 /month
4.50% gross
4.50% gross
4.50% gross
4.50% gross
4.70% gross
4.70% gross
4.75% gross
4.80% gross
4.85% gross
5% gross
5% gross
5% gross
5.05% gross
5.25% gross
$100 /month
$100 /month
In the United States, fixed deposits are known as certificates of deposit, or CDs. A CD locks your money away for a set term—ranging from a few months to five years or more—in exchange for a guaranteed, fixed interest rate that is usually higher than a standard savings account. CDs suit money you will not need until a known date, such as a down payment two years out, because withdrawing early triggers a penalty.
CD rates are fixed at opening and reflect the Federal Reserve's benchmark and the term length. Online banks generally offer the best yields. A popular strategy is CD laddering—splitting money across staggered maturities so a portion comes due each year, balancing higher long-term rates with periodic liquidity. Some banks offer no-penalty CDs that let you withdraw early without a fee, and brokered CDs sold through investment platforms can be traded before maturity. Interest is taxable as it accrues.
Guaranteed rate — Your APY is locked for the full term, unaffected by later Fed rate cuts.
Higher yields — CDs typically pay more than savings accounts, especially for longer terms.
FDIC protection — Bank CDs are insured up to $250,000 per depositor, per bank.
Predictable growth — You know exactly how much you will have at maturity, ideal for planning.
Match the term to when you need the money, since early withdrawal usually forfeits several months of interest. Compare APYs across online banks, check the minimum deposit required, and read the early-withdrawal penalty schedule. If rates might rise, a shorter term or a bump-up CD offers flexibility; if you want access without penalty, consider a no-penalty CD at a slightly lower rate. Confirm what happens at maturity, as many CDs auto-renew unless you act during the grace period.
Ally Bank, Marcus by Goldman Sachs, Synchrony Bank and Discover Bank are online-banking mainstays with competitive CD rates and low or no minimums. BMO Alto, Popular Direct and Bread Savings frequently top rate tables with aggressive online-only offers. Barclays US rounds out the field with a range of online CD terms. Because these are direct online banks, they can pass higher yields to savers than most branch-based institutions.
Opening a CD is free, and many require little or no minimum deposit, though some rate-leading CDs ask for $500 to ,000 or more. The main cost is the early-withdrawal penalty, commonly equal to 3 to 12 months of interest depending on the term. Top CD APYs have exceeded 5% in higher-rate periods, but rates vary by term and move with the Fed—hence the wide range from near zero to above 5%.
Bank CDs carry FDIC insurance up to $250,000 per depositor, per insured bank, per ownership category; credit-union share certificates are NCUA-insured to the same limit. Truth in Savings rules enforced by the CFPB require banks to disclose the APY, term, minimum balance and penalty terms clearly before you open. Brokered CDs held at a brokerage also pass through FDIC coverage from the issuing bank.
Can I withdraw early? Yes, but you will usually pay a penalty of several months' interest unless it is a no-penalty CD. Do CDs auto-renew? Many do at maturity, so watch the grace period if you want your cash back. Are longer terms always better? Not necessarily—if rates are expected to rise, locking in a long term could mean missing higher yields later.
The cheapest Fixed-Rate Deposits in United States is $0 4.75% APY from Marcus by Goldman Sachs.
Giraffy tracks 5 fixed-rate deposit accounts across Marcus by Goldman Sachs,Ally Bank,BMO Alto,Popular Direct,Bread Savings banks in United States. The best rate currently tracked is $0 4.75% APY. Sort by highest rate and compare term lengths to see which account suits your timeline.
A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.
Yes — the FDIC insures deposits up to $250,000 per depositor, per bank. Fixed deposits at FDIC-insured institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.
Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.
Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.
At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.
Fixed deposit rates are closely linked to the central bank's benchmark rate. When the Federal Deposit Insurance Corporation (FDIC) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.