US CD Interest Rates

Provider Rate
Vanguard 10 Year CD Rates

The applicable yield rate is for a 10 year CD product and new issue.  The Vanguard Brokerage Services may require a minimum $10,000 to purchase these CDs. Products that are issued by FDIC-insured institutions may have deposit insurance up to limits as indicated by the FDIC. CDs may be sold possibly on the secondary market which may have limitations and can be subject to gain or loss. Please see Vanguard website for further conditions.

3.25%
10 year
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May 2018
Edward Jones 10 Year CD Rates

The rate is applicable for the 10 year CD product with a minimum $5,000 deposit. The product is bank issued and is FDIC insured.

3.25%
10 year
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May 2018
SSFCU 7 Year CD Rate

Interest rate indicated requires a minimum opening deposit of $100,000. This rate was calculated for the state of California, variations may occur between states. 

3.25%
7 Year
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May 2018
3.20%
5 year
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May 2018
BMO Harris Bank 5 Year CD

The interest rate for this BMO Harris certificate of deposit account requires a minimum deposit of $100,000.                             

3.00%
5 year
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May 2018
First Republic 6 Year CD Rates

Minimum balance $10,000 and maximum deposit $1 million.

3.00%
6 year
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May 2018
Fidelity 5 Year CD Rates

Note that the CDs offered are brokered CD instead bank CDs and can be traded on the secondary market. It is FDIC insured. 

2.90%
5 year
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May 2018
Goldman Sachs 6 Year CD Rates

Rate is highest term offered by Goldman Sachs Marcus product and is based on a 6 year or 72 month/ term. A $500 minimum is required to open a CD and earn APY. New accounts may not exceed $1 million. Potential rises or falls in US fed rates policy could impact this rate in the future.

2.85%
6 Year
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May 2018
PenFed 7 Year CD Rates

Interest Rate below was based on the Money Market Certificate CD rates product. A minimum opening deposit of $1,000 is required.

2.84%
7 year
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May 2018
Barclays US 5 Year CD Rates

No minimum balance with FDIC insurance provided.

2.80%
5 year
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May 2018
Deposit Insurance in the USA

In the United States FDIC insurance covers all deposit accounts including money market deposit accounts and certificate of deposit accounts up to limits specified by the agency. (Source: https://www.fdic.gov/deposit/deposits/)

Discussion

  • Q: I have $500 thousand dollars in a 401K. I am playing very conservative and thought CD's. The problem is my RMD is over 27K per year. I know I cannot take interest from my account and I had thought to invest 100K into 5 different CD's. How am I going to take the RMD without penalty

    Reply John from El Reno, United States
  • Q: Want to cash in CD's ; where do I get form and what is the form number.

    Reply V N Riley from Cody, United States
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