Find and Compare the Best Savings Accounts and Money Market Accounts

Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like savings and money market accounts.

GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best savings accounts and money market accounts with high interest rates, and display them in the table below for free. If you want to learn more about our featured banks, click on their rates for more information.







TermRateAPYMin. To Earn APYDetails
1 year2.90%$50Special Easy Start Certificate-$3,000 maximum balance-must have direct deposit of net pay-Navy FCU checking and monthly automatic deposit of at least $15-See site for membership eligibility details.
6 month2.00%$2,5006 Month CD - Limited Time Save and Invest Offer - To receive this rate you must open both this 6 Month Special CD and a 36 Month Investment CD with equal opening deposit amounts - Must be opened in person at a branch - Rate collected within: 60625 (IL)
11 month1.68%1.68%$1,00011 Month Special CD
1 year1.59%1.60%$500Membership is open to employeess and students of school districts in the Michigan counties of Wayne and Monroe, as well as select businesses, family members and retirees. See site for details.
1 year1.55%$1
1 year1.55%$500Online CD with Loyalty Checking Account - Must maintain primary checking with Flagstar Bank, average of 15 transactions or $250 recurring ACH transactions per month
1 year1.54%1.55%$1,000Relationship CD - Limited to Georgia cutomers only
1 year1.54%1.55%$1,000
1 year1.50%1.51%$5,000New accounts available for Maryland residents only - must open in person
1 year1.50%1.51%$20,000Tiered rates apply, APY valid for balances $20,000 and over
6 month1.50%1.51%$100Promotional CD-Veterans Family Fund Certificate-This program provides a way for anyone to assist servicemen and women by purchasing an insured six-month CD that directs half of its earned interest to benefit veterans and their families. Investors receive the other half of the interest and a tax deduction for their contribution.
1 year1.50%1.51%$50012 Month CD
1 year1.49%1.51%$3,000Fixed Rate CD
1 year1.50%1.51%$1,00012 Month CD - Located in Oklahoma
1 year1.50%1.51%$1,000For balances under $100,000 - must sign account documents in branch - Colorado market area
1 year1.50%1.51%$5,000Share Certificate - contact Melrose CU for opening paperwork
1 year1.50%1.51%$1,00012 Month CD
1 year1.50%1.50%$1,00012-17 Month CD - Located in Florida
6 month1.50%$0Rate available with active checking account - membership is available nationwide - may become a member and open account online - contact credit union for details - credit union located in Wisconsin
1 year1.49%1.50%$1,000
1 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
1 year1.49%1.50%$1,000
1 year1.49%1.50%$250
10 month1.50%$5,000CD Special-must open account in person at branch.
1 year1.49%1.50%$500
1 year1.49%1.50%$500
1 year1.49%1.50%$500
1 year1.47%1.48%$1,000Term 12 to 23 months
1 year1.45%1.46%$2,500Giant Personal CD
1 year1.45%1.46%$1,000
1 year1.46%$1,00012 Month CD
1 year1.44%1.45%$2,500
1 year1.44%1.45%$50012 Month CD
1 year1.44%1.45%$5,000Online CD
1 year1.45%$500
1 year1.43%1.44%$1High-Yield CD
1 year1.42%1.43%$1,000Rates effective on balances up to $4,999
1 year1.42%1.43%$500
1 year1.42%1.42%$50,000
1 year1.42%$1,000
1 year1.40%1.41%$10,000eCD rates for online account only
1 year1.40%1.41%$250
1 year1.40%1.41%$50012 Month CD - Located in Wisconsin
1 year1.40%1.41%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.40%1.41%$2,500Limited to local Nebraska market area
1 year1.39%1.40%$10,000Personal CD - APY for balances under 100K
1 year1.39%1.40%$100
1 year1.40%1.40%$1,000
11 month1.40%1.40%$10,00011 Month CD - Located in Florida
1 year1.39%1.40%$25,00012 - 17 month term
6 month1.40%$500Membership is available, but not limited to select employer groups or those who live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria.
1 year1.39%1.40%$100,000Personal CD - APY for balances over 100K
1 year1.35%1.36%$1,000
1 year1.35%1.36%$1,000
1 year1.35%1.35%$500Rate effective for balances up to $9,999.99 - tiered rates apply
1 year1.35%1.35%$500Interest compounds at maturity
9 month1.35%$500CD Special - 9 Month Penalty Free
6 month1.34%1.35%$1,000Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit
1 year1.35%1.35%$1,000Local funds only, contact retail offices in Ohio
1 year1.34%1.35%$1,00012 month CD
1 year1.35%1.35%$10012 Month CD - Located in Kentucky
1 year1.31%1.32%$1,00012 Month CD
11 month1.31%1.32%$1No Penalty CD - Open with $0, no fees, daily compounded interest, no fee early withdrawal after the first 6 days of funding your CD
1 year1.30%1.31%$50012 Month CD
1 year1.30%1.31%$1,000
1 year1.30%$500
1 year1.29%1.30%$1,000Branch and Call Center CD Rates/Southern CA residents only
1 year1.29%1.30%$1,000Online CD
1 year1.29%1.30%$500Rates effective 08/30/2010
1 year1.29%1.30%$2,500Located in Bristow, OK
1 year1.30%1.30%$1,000
1 year1.30%$500Membership is limited to select employer groups. See website for complete list of eligible employers.
1 year1.25%1.26%$1,000
6 month1.25%1.26%$1,000Alerus Life CD - Alerus Life checking account with auto deposit or withdrawal required. Minimum deposit of $1,000. Automatic renewal after six months. Must be age 50 or better.
1 year1.26%$1,000 Located in Texas
1 year1.25%1.26%$500
1 year1.25%1.26%$1,000Non-auto renew 1 Year CD
1 year1.25%1.26%$1,000
1 year1.25%1.26%$1,000
1 year1.26%$1,000Money Market CD-membership is open to U.S. military
1 year1.25%1.25%$1,000Located in Iowa
1 year1.24%1.25%$250Located in MN
1 year1.24%1.25%$500
1 year1.24%1.25%$1,00012 month CD
6 month1.24%1.25%$3,000Fixed Rate CD
1 year1.24%1.25%$1,000Renewable CD
6 month1.25%1.25%$1,000
6 month1.24%1.25%$25,0006 - 11 month term
1 year1.25%1.25%$1,00012 Month CD
1 year1.25%$500
6 month1.25%1.25%$2,500
1 year1.25%1.25%$1,000
1 year1.25%1.25%$1,000
11 month1.24%1.25%$1,00011 Month CD - Located in Rhode Island
11 month1.25%1.25%$20,000CD Special - New money required, rates may vary by location. Rate for opening balance up to $95,000.
9 month1.24%1.25%$1,000Online CD
7 month1.25%1.25%$1,0007 Month CD Special - Located in Kentucky
9 month1.24%1.25%$1,000Branch and Call Center CD Rates/Southern CA residents only
9 month1.25%1.25%$10,0009 Month Special CD - Requires a Beacon Bank checking or savings account
1 year1.24%1.25%$1Personal CD 12 - 23 Month - open online, $5,000 to open
1 year1.24%1.25%$10,000
11 month1.22%$10,00011 Month CD - Located in Kentucky
1 year1.20%1.21%$1,00012 Month CD
1 year1.20%1.21%$1,000Single Maturity CD
1 year1.21%$1,000Internet CD - California only
6 month1.20%1.21%$1,000For balances under $100,000 - must sign account documents in branch - Colorado market area
9 month1.20%1.21%$10,000eCD rates for online account only
1 year1.19%1.20%$1,000
1 year1.19%1.20%$500
1 year1.19%1.20%$1,000
1 year1.20%$500Promotion CD - only available to existing customers, limited to local western New York market area
11 month1.19%1.20%$1,00011 Month Special - Massachusetts market area only
1 year1.18%1.20%$1,000Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
1 year1.20%1.20%$500
1 year1.19%1.20%$5,000
1 year1.20%1.20%$500
6 month1.18%1.19%$1,000Rates effective on balances up to $4,999
6 month1.17%1.18%$500
6 month1.16%1.17%$500
6 month1.17%$1,000
1 year1.17%$1,00012 Month CD
6 month1.16%1.16%$50,000
6 month1.15%1.16%$1,000
1 year1.15%1.16%$500
6 month1.15%1.16%$10,000eCD rates for online account only
1 year1.15%1.15%$0Located in Alabama and Florida
1 year1.15%$10,00012 Month CD Tier $10,000 - $99,999
1 year1.14%1.15%$2,500Relationship Banking CD - 12 Month Variable Rate - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location. Rate collected within 10025
6 month1.14%1.15%$5006-month CD
6 month1.14%1.15%$100,000Jumbo CD 6 - 11 month term
10 month1.15%$1,000Online CD Rate
10 month1.14%1.15%$50010 Month Special CD
6 month1.15%1.15%$1,000
7 month1.15%$1,000True Advantage 7 Month Special - requires True Advantage Checking or Checking Plus Account, limited to local New York market area
9 month1.14%1.15%$1,000Total e-CD Online Only Special Rate - account limited to local Florida market area
9 month1.15%$500Online CD - Available to Georgia residents only
1 year1.14%1.15%$1,00012 month CD - tier $1,000
1 year1.14%1.15%$2,500Account available nationwide. Application available online - contact bank for more details.
1 year1.14%1.15%$1,500Yield Pledge CD
1 year1.15%1.15%$2,500
9 month1.13%1.15%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
1 year1.15%$5,000
1 year1.14%1.15%$1,000Rates and terms specific to accounts opened online
6 month1.13%1.14%$1High-Yield CD
1 year1.10%1.11%$50012 Month CD - Less than $100,000 - Rate collected within: 60625 (IL)
1 year1.10%1.11%$50012 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)
6 month1.10%1.11%$2,500Giant Personal CD
1 year1.10%1.11%$10,00012-month renewable
6 month1.10%1.11%$250
1 year1.10%1.11%$50012 Month CD - Less than $100,000 - Rate collected within: 94115 (CA)
1 year1.10%1.10%$1,00012 Month CD - less than $10,000
6 month1.09%1.10%$10,000Personal CD - APY for balances under 100K
1 year1.09%1.10%$500Fixed Rate
1 year1.09%1.10%$1,00012 month CD
1 year1.10%1.10%$1,00012 - 17 month CD
6 month1.09%1.10%$1,000Branch and Call Center CD Rates/Southern CA residents only
1 year1.10%1.10%$10,000eSavings CD - Earn 1.10% APY for 12 months if you maintain $10,000 balance, $100 to open
6 month1.09%1.10%$1,000Online CD
3 month1.10%1.10%$1,000
6 month1.10%1.10%$1,000Account must be opened in person in Effingham, IL
1 year1.10%1.10%$500Enter a new note
1 year1.09%$50012 - 17 Month CD - Rate collected within: 49201 (MI)
9 month1.08%1.09%$1HIgh-Yield CD
1 year1.05%1.06%$200
1 year1.06%1.06%$1,000
1 year1.06%1.06%$10,000Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location.
6 month1.05%1.06%$1,000
6 month1.05%1.05%$1,000Local funds only, contact retail offices in Ohio
1 year1.04%1.05%$1,00012 - 23 Month CD
6 month1.05%$500
1 year1.05%1.05%$1,000
1 year1.05%1.05%$50012 Month CD
1 year1.05%$1,000
1 year1.05%1.05%$1,000
1 year1.05%$1,000CD special - Rate collected within 60625
6 month1.05%1.05%$100
6 month1.05%1.05%$2,500Limited to local Nebraska market area
9 month1.05%1.05%$500Rates effective 08/30/2010
1 year1.03%1.05%$1,000
1 year1.04%1.05%$5,000Promotional CD - New money only
1 year1.05%1.05%$500Central New York market area only
6 month1.05%1.05%$1,0006 month CD-tier $1,000
1 year1.05%1.05%$1,00012 Month Relationship CD - requires a First State Bank of Wyoming checking account
9 month1.05%1.05%$1,000
6 month1.00%1.02%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
6 month1.00%1.01%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
7 month1.00%1.01%$1,000Promotional CD-New money only
1 year1.00%1.01%$1,000Limited to local New York market area
1 year1.01%1.01%$1,000Fixed Rate CD Tier $1,000 - $94,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details.
1 year1.01%1.01%$1,000Unity Gold One Year E-CD - Available Online only
6 month1.00%1.00%$1,000
1 year1.00%1.00%$1,000
3 month1.00%1.00%$2,50091 Day CD
6 month1.00%1.00%$1,000
3 month1.00%1.00%$1,000Account must be opened in person in Effingham, IL
5 month1.00%1.00%$1,0005 Month CD Special
1 year0.99%1.00%$500
6 month0.99%1.00%$1,0006 - 11 Month CD
7 days1.00%$1,000Limited to Massachusetts market area. May apply online.
6 month1.00%1.00%$1,000
1 year1.00%1.00%$1,000iCertificate of Deposit
1 year1.00%$1Orange CD
1 year1.00%1.00%$1,000365 Day CD - Tier $1,000 - $10,999 - Located in TX
1 year1.00%$500
1 year1.00%1.00%$1,000
1 year0.98%1.00%$500Rate collected within: NY
1 year1.00%$1,00012-24 month CD
1 year1.00%1.00%$1,000Collected within Oklahoma
6 month1.00%1.00%$500
1 year1.00%1.00%$1,000Regular CD - Rate collected within: Fargo ND
1 year1.00%1.00%$1,00012 Month CD
6 month1.00%1.00%$2,500Located in Bristow, OK
1 year1.00%1.00%$1,000
6 month1.00%1.00%$250
6 month1.00%1.00%$10,000
10 month1.00%$500CD Special - rates effective through 08/29/2010
1 year0.98%1.00%$500Enter a new note
6 month1.00%$1,000182 Day CD
6 month1.00%1.00%$500
1 year1.00%1.00%$50012 Month CD
1 year1.00%1.00%$500
1 year1.00%1.00%$50012-17 month CD
6 month1.00%1.00%$2,500
11 month1.00%$5,00011 Month CD - Located in Indiana
3 month1.00%1.00%$1,000
6 month0.98%1.00%$2,500
1 year1.00%1.00%$500Limited time offer CD special. Bank located in Massachusetts
11 month1.00%1.00%$5,00011 Month Special - Rate may only be available online and for a limited time
1 year0.95%0.97%$500
11 month0.95%0.95%$500Special 11 Month CD
1 year0.95%$10,000Tier rates apply, APY valid for opening deposits between $10,000 and $24,999
1 year0.95%$2,500Rate/APY may vary by location
1 year0.95%0.95%$50012 month CD - Rate collected within Jacksonville, FL
9 month0.95%0.95%$500Central New York market area only
1 year0.95%0.95%$50012 Month CD - Rate collected within: Northern CA
1 year0.95%0.95%$50012 month CD - Rate collected within Birmingham, AL
1 year0.95%0.95%$500
1 year0.95%0.95%$50012 month CD - Rate collected within Northern CA
1 year0.95%0.95%$1,000
90 days0.95%0.95%$1,000Local funds only, contact retail offices in Ohio
1 year0.94%0.94%$10,000
10 month0.92%0.92%$10,00010 month CD special-account must be opened at branch.
1 year0.90%0.90%$1,000
90 days0.90%0.90%$50,000
6 month0.89%0.90%$1,000Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
9 month0.90%$1,000
1 year0.90%$500Rate collected in zip code 60625, rate may vary by location.
6 month0.90%0.90%$500
6 month0.90%0.90%$2,000Missouri market area - must open account in person.
9 month0.89%0.90%$1,000
5 month0.90%$1,000Online CD Rate
3 month0.89%0.90%$1,000
1 year0.90%0.90%$1,000Regular CD - Can open Online - Bank Located in PA
1 year0.90%0.90%$50012 Month CD
1 year0.90%0.90%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location. Rate collected within 10025
1 year0.90%0.90%$1,000
1 year0.90%0.90%$1,00012 Month CD
1 year0.90%0.90%$10,0001 Year CD - $10,000.01 - $50,000
1 year0.90%0.90%$500
1 year0.90%0.90%$2,5001 Year to 23 Month CD Tier $2,500 - $49,999
1 year0.90%0.90%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location. Rate collected within 10025
1 year0.90%0.90%$1,000Rate effective for balances up to $99,999.99 - tiered rates apply thereafter.
1 year0.90%$1,00012 Month CD
1 year0.90%0.90%$1,00012 Month CD
1 year0.90%0.90%$1,000
30 days0.89%0.89%$50031 Day CD
1 year0.85%0.87%$1,00012 month CD - tier $1,000 to $4,999
1 year0.85%0.85%$10,000
1 year0.85%0.85%$1,000
6 month0.84%0.85%$1,000
6 month0.85%0.85%$500Rates effective 08/30/2010
1 year0.85%$1,000Select Promo 12 Month CD - Open with new money - Requires M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY)
90 days0.85%0.85%$1,000Total e-CD Online Only Special Rate - account limited to local Florida market area
1 year0.85%0.85%$50012-23 Month CD - Located in Vermont
6 month0.85%$1,0006 Month Special CD - $1,000 and above
1 year0.85%0.85%$500
1 year0.85%0.85%$50012 Month CD
1 year0.85%0.85%$1,000Accounts can be opened with an Allstate agent or by online application
5 month0.84%0.84%$1,000New money only, must have CCTC checking, will roll into 6 month product unless otherwise directed, limited to local New York market area
1 year0.80%$500
1 year0.80%0.80%$1,00012 Month CD - Located in Pennsylvania
1 year0.80%$5001 Year Regular CD - No minimum balance required to earn stated APY
90 days0.80%0.80%$10,000
7 month0.80%0.80%$1,000
6 month0.80%0.80%$1,000
7 month0.80%0.80%$5,0007 Month Special - Rate may only be available online and for a limited time
6 month0.80%0.80%$1,000182 day CD
1 year0.80%0.80%$1,00012 Month CD
90 days0.80%0.80%$10,000eCD rates for online account only
6 month0.80%0.80%$500Central New York market area only
1 year0.80%0.80%$1,00012 Month CD
1 year0.80%0.80%$50012 Month CD
1 year0.80%$0APY for balances up to $999
1 year0.80%0.80%$1,000Regular CD - Under $100,000
1 year0.80%0.80%$500
1 year0.80%0.80%$1,000Internet CD
1 year0.80%$500eCD - APY's may vary by state
6 month0.80%0.80%$2,500Account available nationwide. Application available online - contact bank for more details.
6 month0.80%0.80%$500
1 year0.78%0.78%$1,000
1 year0.75%0.76%$50012 Month CD Tier $500 - $49,999
6 month0.76%0.76%$1,000
90 days0.75%0.76%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
9 month0.76%0.76%$10,000Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location.
6 month0.76%0.76%$500
90 days0.75%$10,000Online only
1 year0.75%$10,000Bank by Mail CD
6 month0.74%0.75%$1,000
1 year0.75%0.75%$1,00012 Month CD
1 year0.75%0.75%$1,000
6 month0.75%$5,000
6 month0.75%0.75%$1,000182 day term, Internet CD
9 month0.75%0.75%$1,500Yield Pledge CD
6 month0.75%0.75%$1,500Yield Pledge CD
6 month0.75%0.75%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location. Rate collected within 10025
6 month0.75%$1Orange CD
6 month0.75%0.75%$1,000
9 month0.75%0.75%$1,000
6 month0.75%$1,0006 - 8 month CD, limited to local New York market area
1 year0.75%0.75%$1,000
1 year0.75%0.75%$10,000Personal Internet CD - open online
1 year0.75%0.75%$10,000from CentennialBank.com
90 days0.75%0.75%$10,000
6 month0.75%0.75%$1,000180 day CD-Rates Collected within Oklahoma
6 month0.75%0.75%$1,000Eureka serves customers in the metropolitan New Orleans, Louisiana area
1 year0.75%0.75%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
6 month0.75%0.75%$1,000Term 6 to 11 months
6 month0.75%0.75%$1,000Relationship CD - Limited to Georgia cutomers only
6 month0.75%0.75%$2,500
90 days0.74%0.75%$1,00091 day CD - download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
1 year0.75%0.75%$500
1 year0.75%0.75%$1,000
1 year0.75%0.75%$500
6 month0.74%0.75%$500Limited to Jefferson County NY
1 year0.75%0.75%$10,00012 Month CD
1 year0.75%0.75%$1,00012-17 Month CD - Accounts under $100,000 - Rate collected within Chicago, IL
6 month0.75%0.75%$1,000Rates and terms specific to accounts opened online
3 month0.75%0.75%$1,000
1 year0.75%0.75%$1,000
7 month0.75%0.75%$5,0007 Month Advantage CD
6 month0.75%$1,000Money Market CD-membership is open to U.S. military
1 year0.75%0.75%$2,500Rate for balances up to $99,999
6 month0.75%0.75%$1,000
1 year0.75%0.75%$500
1 year0.75%$500
6 month0.75%$10,000
90 days0.75%0.75%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location. Rate collected within 10025
6 month0.75%0.75%$1,000182 Day Fixed Rate CD Tier $1,000 - $94,999 - Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details.
6 month0.75%0.75%$500Rate collected within: NY
6 month0.75%$500180 - 364 Day CD - Rate collected within: 49201 (MI)
90 days0.74%0.74%$1High-Yield CD
6 month0.73%0.73%$2,500
1 year0.71%$50011 Month CD - Located in Kentucky
1 year0.70%0.70%$1,000
1 year0.70%0.70%$50012 Month CD
1 year0.70%$10Online only
1 year0.70%0.70%$50012 Month CD Tier $500 - $9999 - Located in Wisconsin
90 days0.70%0.70%$500Rates effective 08/30/2010
4 month0.70%0.70%$500Central New York market area only
90 days0.70%$500
1 year0.70%0.70%$500Regular CD - Limited to New York market area
1 year0.70%0.70%$50012 Month CD
6 month0.70%0.70%$500
1 year0.70%0.70%$500
6 month0.70%0.70%$250Located in MN
7 month0.70%0.70%$5,000Special CD
1 year0.70%0.70%$1,000Rate collected within: IL
1 year0.70%0.70%$1,00012 Month CD
6 month0.70%$500
90 days0.70%0.70%$2,500
90 days0.70%0.70%$1,000Branch and Call Center CD Rates/Southern CA residents only
1 year0.70%0.70%$50012-17 month CD - tier $500 to $9,999
6 month0.70%0.70%$2,500180 - 364 Day CD Tier $2,500 - $49,999
90 days0.70%0.70%$1,000Online CD
9 month0.70%0.70%$100,000Jumbo CD 6 - 11 month term
1 year0.65%0.65%$1,00012 Month CD
1 year0.65%0.65%$1,00012 Month CD Tier $1,000 - $9,999 - Apply online or at branch
90 days0.65%0.65%$10,000Personal CD - APY for balances under 100K
1 year0.65%0.65%$10,000Standard 12-17 Month CD - Tier Less than $10,000 - Rate collected within: NY
90 days0.65%0.65%$100,000Personal CD - APY for balances over 100K
6 month0.65%0.65%$1,000
6 month0.65%$1,000Time Deposit Tier $1,000 - $9,999 - Located in CA
6 month0.65%0.65%$1,000iCertificate of Deposit
1 year0.65%0.65%$1,000
1 year0.65%0.65%$1,000Standard 1 Year to 23 Month CD - Tier Less than $10,000 - Rate collected within: CA
1 year0.65%0.65%$1,000
9 month0.65%0.65%$10,000
1 year0.65%0.65%$1,000Standard 12-17 Month CD - Tier Less than $10,000 - Rate collected within: IL
1 year0.65%0.65%$1,000
3 month0.65%0.65%$500
1 year0.63%0.64%$5,000Regular CD - South Shore Massachusetts market area
1 year0.62%0.62%$1,000
6 month0.61%0.61%$10,000Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location.
90 days0.60%0.60%$1,000
90 days0.60%0.60%$500
6 month0.60%0.60%$1,000Lake City considers its trade area to be within a 30 mile radius of Lake City, MN and reserves the right to reject any deposit or application outside the trade area.
9 month0.60%$25,000APY for balances up to $49,999
1 year0.60%0.60%$35012 - 17 Month CD, Tier $350 - $999
1 year0.60%$500Rate collected with Whatcom County
1 year0.60%0.60%$500New customers must open in branch-limited to Georgia
6 month0.60%0.60%$500
1 year0.60%0.60%$500
6 month0.60%0.60%$1,000180 Day CD - Tier $1,000 - $10,999 - Located in TX
6 month0.60%0.60%$1,000
1 year0.60%$25,000APY for balances up to $49,999
1 year0.60%0.60%$500
9 month0.60%0.60%$1,000
6 month0.60%0.60%$10,000
1 year0.60%$1,00012 month CD
1 year0.60%0.60%$5001 Year CD - Tier below $10,000 - Online account only
1 year0.60%0.60%$1,00012 Month Fixed Rate CD Only - Rate collected within: 10025 (NY)
6 month0.60%$500eCD - APY's may vary by state
90 days0.60%0.60%$1,500Yield Pledge CD
1 year0.57%0.58%$1,00012 Month CD
90 days0.56%$1,000
1 year0.55%$1,000Time Deposit Tier $1,000 - $9,999 - Receive an added .25% to the quoted APY when you open a checking account with direct deposit, bonus also available to existing direct deposit checking customers - Located in CA
6 month0.55%0.55%$10,000
9 month0.55%$15,000APY for balances up to $24,999
1 year0.55%0.55%$1,000Tier $1,000 - $9,999 - Located in New York
1 year0.55%0.55%$1,00012-17 Month CD - Accounts under $100,000 - Rate collected within Philadelphia, PA
1 year0.52%0.52%$50012 Month CD - SSB does not accept CD or Savings applications out of the Superior WI and surrounding area unless there is previous or existing account on record
6 month0.50%0.51%$5,000Regular CD - South Shore Massachusetts market area
1 year0.50%0.50%$500
6 month0.50%$1,000Select Promo 6 Month CD - Open with new money - Requires an M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY)
6 month0.50%0.50%$1,000
1 year0.50%$1,000Regular 12 Month CD - Open online
1 year0.50%0.50%$5,000Non-Jumbo CD - Rate collected within: 60625 (IL)
6 month0.50%0.50%$500
9 month0.50%0.50%$10,000CD Special - Rate collected within: 60625 (IL)
6 month0.50%0.50%$500Time Deposit Account - 182 Days- Interest rate is fixed for the term of the account – Rate collected within AZ
1 year0.50%0.50%$5,000Non-Jumbo CD - Rate collected within: 10025 (NY)
90 days0.50%0.50%$1,000Rates and terms specific to accounts opened online
30 days0.50%0.50%$1,000Internet CD
1 year0.50%0.50%$500
90 days0.50%0.50%$1,000
1 year0.50%0.50%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
90 days0.50%0.50%$500Fixed Rate
90 days0.50%$5,000
6 month0.50%0.50%$500Time Deposit Account - 182 Days- Interest rate is fixed for the term of the account - Rate collected in CA
90 days0.50%$500eCD - APY's may vary by state
90 days0.50%0.50%$1,000
6 month0.50%0.50%$500Time Deposit Account - 182 Days- Interest rate is fixed of the term for the account - Rate collected within CO
6 month0.50%0.50%$1,000
1 year0.50%0.50%$100,000Jumbo CD - Rate collected within: 60625 (IL)
6 month0.50%0.50%$2,500Rate for balances up to $99,999
3 month0.49%0.50%$1,000
3 month0.50%0.50%$1,000Renewable CD
6 month0.50%0.50%$5006-11 Month CD - Located in Vermont
6 month0.50%0.50%$1,000
1 year0.50%0.50%$50012-17 Month Auto CD
6 month0.50%0.50%$1,000Regular CD - Can open Online - Bank Located in PA
1 year0.50%0.50%$1,000
6 month0.50%0.50%$1,000
1 year0.50%0.50%$50012-23 Month CD
1 year0.50%0.50%$1,000
1 year0.50%0.50%$50012 - 17 Month Fixed Rate CD Tier $500 - $49,999
1 year0.50%0.50%$100,000Jumbo CD - Rate collected within: 10025 (NY)
6 month0.50%0.50%$500Fixed Rate
1 year0.50%$15,000APY for balances up to $24,999
1 year0.50%0.50%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
1 year0.50%0.50%$100,000Jumbo CD - Rate collected within: 94115 (CA)
1 year0.50%0.50%$500
6 month0.47%0.47%$5006 Month CD - Less than $100,000 - Rate collected within: 94115 (CA)
7 days0.45%0.47%$2,500Term 7 to 31 days - Bank located in Bristow, OK
6 month0.47%0.47%$5006 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)
6 month0.47%0.47%$5006 Month CD - Less than $100,000 - Rate collected within: 60625 (IL)
1 year0.45%0.45%$1,000Located in Massachusetts
6 month0.45%0.45%$10,000Personal Internet CD - open online
1 year0.45%0.45%$10,00012-23 Month CD - Limited to Iowa residents only, other restrictions may apply
6 month0.45%$1,000270 to 364 day CD
6 month0.45%$250No Catch 6 Month CD - Rate collected within: Washington DC
6 month0.45%$250No Catch 6 Month CD - Rate collected within: Florida (FL)
6 month0.45%$1,000
6 month0.45%$250No Catch 6 Month CD - Rate collected within: New York NY
30 days0.45%0.45%$1,000
11 month0.45%$1,000
6 month0.45%0.45%$1,000182 Day CD Tier $1,000 - $9,999 - Apply online or at branch
1 year0.40%$250No Catch 12 Month CD - Rate collected within: Florida (FL)
6 month0.40%$2,000APY for balances up to $14,999
6 month0.40%0.40%$500Rate collected within Birmingham, AL
1 year0.40%$250No Catch 12 Month CD - Rate collected within: New York NY
6 month0.40%0.40%$1,000Enter a new note
6 month0.40%0.40%$5006 Month CD - Rate collected within Northern CA
6 month0.40%0.40%$1,000
6 month0.40%0.40%$500Rate collected within Jacksonville, FL
6 month0.40%0.40%$500Regular CD - Limited to New York market area
1 year0.40%0.40%$1,00012 Month CD
1 year0.40%0.40%$1,00012 Month CD - Rate collected within: 60625 (IL)
1 year0.40%0.40%$1,00012 Month CD - Rate collected within: 10025 (NY)
60 days0.40%0.40%$10,000eCD rates for online account only
1 year0.40%$1,0001 year Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 60625 (IL).
90 days0.40%0.40%$1,000Interest paid at maturity
1 year0.40%0.40%$1,00012 Month CD Tier $1,000 - $4,999
1 year0.40%$1,0001 Year Plus 1 Day CD - Option to increase APY with HSBC Premier or Plus Checking - Stated rate is for accounts opened at an HSBC branch or by phone
1 year0.40%$250No Catch 12 Month CD - Rate collected within: Washington DC
1 year0.40%0.40%$1,00012 Month CD - Rate collected within: 94115 (CA)
6 month0.40%0.40%$1,000
90 days0.40%0.40%$2,500Rate for balances up to $99,999
6 month0.40%0.40%$2,5006 Month CD Tier $2,500 - $19,999
1 year0.40%$2,000APY for balances up to $14,999
1 year0.40%$1,0001 year Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 10025 (NY)
6 month0.40%0.40%$1,000180 day CD
6 month0.40%0.40%$1,000Tier $1,000 - $9,999 - Located in New York
6 month0.40%0.40%$1,000182 Day Regular CD - Rate collected within: Fargo ND
6 month0.40%0.40%$1,000Regular CD - Under $100,000
6 month0.40%0.40%$1,000
6 month0.40%0.40%$5006 Month CD - Rate collected within: Northern CA
6 month0.35%0.36%$1,000tier $1,000 to $4,999
6 month0.36%0.36%$10,000
6 month0.35%0.35%$1,000Standard 180 to 364 Day CD - Tier Less than $10,000 - Rate collected within: CA
6 month0.35%0.35%$500
1 year0.35%0.35%$1,000
1 year0.35%0.35%$1,0001 Year CD - Less than $100,000
6 month0.35%0.35%$1,000Standard CD 6 - 11 Months - Tier Less than $10,000 - Rate collected within: IL
1 year0.35%$1,000Rate applies to balances from $1,000 to $99,999.99. Tiered rates apply.
1 year0.35%0.35%$1,0001 Year CD Tier - Up to $9,999 - Rate collected within: 94115 (CA)
6 month0.35%$500 Rate collected within Whatcom County
6 month0.35%0.35%$1,0006 - 11 Month Fixed Rate CD Tier $1,000 - $49,999
6 month0.35%0.35%$1,000
6 month0.35%0.35%$5006 Month CD - Tier below $10,000 - Online account only
6 month0.35%0.35%$1,000Standard 6-11 Month CD - Tier Less than $10,000 - Rate collected within: NY
1 year0.35%0.35%$1,0001 Year CD Tier - Up to $9,999 - Rate collected within: 60625 (IL)
1 year0.35%0.35%$1,000Regular CD
6 month0.35%0.35%$5006 Month CD
1 year0.35%0.35%$1,0001 Year CD Tier - Up to $9,999 - Rate collected within: 10025 (NY)
6 month0.35%0.35%$1,000Accounts can be opened with an Allstate agent or by online application
6 month0.35%0.35%$500
30 days0.35%0.35%$10,000eCD rates for online account only
6 month0.35%0.35%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
90 days0.35%0.35%$500
6 month0.35%0.35%$500182 Day CD - Rate collected within PA
90 days0.35%$25,0003 Month CD Tier $25,000 - $49,999
6 month0.35%0.35%$500182 Day CD - Rate collected within NJ
1 year0.30%$1,000Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 94115 (CA)
6 month0.30%0.30%$350180-364 Day CD, Tier $350 - $999
6 month0.30%0.30%$500182-364 day CD - tier $500 to $9,999
6 month0.30%0.30%$1,000Accounts under $100,000 - Rate collected within Chicago, IL
1 year0.30%$1,000 Standard CD - Rate collected within: 19140 (PA)
1 year0.30%$1,000Standard CD - Rate collected within: 10025 (NY)
90 days0.30%0.30%$10,000
1 year0.30%$1,000 Standard CD - Rate collected within: 02144 (MA)
6 month0.30%0.30%$1,000
6 month0.30%0.30%$1,000Rate collected within: IL
7 days0.30%0.30%$5007-29 day CD term-account must be opened at branch.
90 days0.30%$15,0003 Month CD Tier $15,000 - $24,999
6 month0.30%0.30%$1,000Accounts under $100,000 - Rate collected within Philadelphia, PA
90 days0.30%0.30%$1,000Tier $1,000 - $9,999 - Located in New York
8 month0.30%0.30%$5,000Rate collected within: 60625 (IL)
1 year0.30%0.30%$10,00012 - 24 Month Standard CD Tier $10,000 - $24,999 - Rate collected within: 60625 (IL)
6 month0.30%$1,000Regular 180 Day CD - Open online
1 year0.30%$1,000Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 94115 (CA)
30 days0.26%$1,000
6 month0.25%0.25%$100,000Jumbo CD - Rate collected within: 60625 (IL)
6 month0.25%0.25%$5,000Non-jumbo CD - Rate collected within: 60625 (IL)
6 month0.25%0.25%$1,0006 Month Fixed Rate CD Only - Rate collected within: 10025 (NY)
3 month0.25%0.25%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
6 month0.25%0.25%$1,000Located in Massachusetts
6 month0.25%0.25%$5,000Non-jumbo CD - Rate collected within: 10025 (NY)
7 days0.25%0.25%$100,0007 to 29 Day Term
1 year0.25%0.25%$1,00012 Month CD
6 month0.25%0.25%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
6 month0.25%0.25%$100,000Jumbo CD - Rate collected within: 94115 (CA)
6 month0.25%0.25%$1,000Regular CD
6 month0.25%0.25%$100,000Jumbo CD - Rate collected within: 10025 (NY)
1 year0.22%0.22%$50,000
1 year0.20%$2,500Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: IL
6 month0.20%0.20%$2,5006 Month CD Tier - Up to $9,999 - Rate collected within: 60625 (IL)
6 month0.20%0.20%$2,5006 Month CD Tier - Up to $9,999 - Rate collected within: 10025 (NY)
6 month0.20%0.20%$1,0006 - 8 Month Standard CD - Non relationship rate - Rate collected within: 10025 (NY)
1 year0.20%0.20%$1,00012 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 IL)
6 month0.20%0.20%$2,5006 Month CD Tier - Up to $9,999 - Rate collected within: 94115 (CA)
6 month0.20%0.20%$1,0006 - 8 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 (IL)
1 year0.20%0.20%$1,000Regular CD - Located in MA
1 year0.20%0.20%$1,00012 Month CD Tier $1,000 - $9,999 - Rate collected within: 43215 (OH)
1 year0.20%$2,500Standard 1 Year CD - Tier $2,500 - $9,999 - Rate collected within: CA
1 year0.20%$2,500Standard 1 Year CD - Tier $2,500 - $9,999 - Rate collected within: NY
1 year0.20%$2,500Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: CA
1 year0.20%0.20%$1,00012 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 10025 (NY)
1 year0.20%0.20%$50012 Month Base CD - Higher rates available for checking customers
6 month0.20%0.20%$1,000Regular CD - Located in MA
6 month0.20%0.20%$1,000180 Day CD - Less than $100,000
6 month0.20%0.20%$1,0006 Month CD Tier $1,000 - $4,999
6 month0.20%0.20%$1,0006 - 8 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA)
1 year0.20%$2,500Standard 1 Year CD - Tier $2.500 - $9,999 - Rate collected within: IL
1 year0.20%$2,500Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: NY
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 10025 (NY)
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 60625 (IL).
1 year0.20%0.20%$1,00012 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA)
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
6 month0.15%$2,500Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: NY
7 days0.15%0.15%$1,0007-31 day CD
1 year0.15%0.15%$50012 - 17 Month CD - Rate collected within: 63102 (MO)
1 year0.15%$500Tiered rates - Stated rate applies to balances $500 - $9,999
6 month0.15%0.15%$1,0006 Month CD Tier $1,000 - $9,999 - Rate collected within: 43215 (OH)
6 month0.15%$2,500Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: IL
6 month0.15%0.15%$1,0006 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 43215 (OH)
6 month0.15%0.15%$1,000 6 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 41017 (KY)
6 month0.15%$2,500Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: IL
6 month0.15%$2,500Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: CA
6 month0.15%$2,500Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: CA
6 month0.15%$2,500Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: NY
6 month0.15%0.15%$1,0006 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 49120 (MI)
9 month0.10%$1,0009 to 12 Months Exactly 1 Year - Stated rate is for accounts opened at an HSBC branch or by phone
6 month0.10%$500Tiered rates - Stated rate applies to balances $500 - $9,999
6 month0.10%$1,0006 to 9 Months Less 1 Day - Stated rate is for accounts opened at an HSBC branch or by phone
9 month0.10%$10Online only
6 month0.10%0.10%$2,5006 Month CD Tier $2,500 - $9,999 - Without Relationship - Rate collected within: 10025 (NY)
1 year0.10%0.10%$2,50012 Month CD Tier $2,500 - $9,999 - Without Relationship - Rate collected within: 10025 (NY)
6 month0.10%$10Online only
6 month0.09%0.09%$1,000
6 month0.05%0.05%$1,000Rate collected within: 94115 (CA)
6 month0.05%0.05%$5,000Standard 6-12 Month CD Tier - Less than $5,000 - Rate collected within: 60625 (IL)
6 month0.05%0.05%$1,000Rate collected within: 60625 (IL)
6 month0.05%0.05%$1,000Rate collected within: 10025 (NY)
7 days0.05%0.05%$5,0007-89 day CD Tier $5,000 - $9,999 - Rate collected within: 60625 (IL)
3 month0.05%$1,0003 to 6 Month Less 1 Day - Stated rate is for accounts opened at an HSBC branch or by phone
6 month0.05%0.05%$5006 Month Base CD - Higher rates available for checking customers
6 month0.05%0.05%$5006 - 11 Month CD - Rate collected within: 63102 (MO)