Tired of Searching for the Best CD Rates?

Banks bid in live auctions for your business.

During uncertain financial times, finding the best CD rates can provide you with an investment you can count on. Finding out how CD rates are determined, and what methods you should use to get yourself the best CD rates will be of enormous help in your search.
Read more below.

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The following factors are at play when looking for the best CD rates:

The duration (or length) of the CD.
Your deposit amount.
The current interest rates.

CD Duration

You can have your money in a CD for upwards of five years or as little an amount of time as three months. CD rates can vary based on the duration you choose.

Deposit Amount

Some banks will give you a higher CD rate for a larger deposit (these are sometimes referred to as "jumbo CDs"), and some banks, looking for new deposits, may give higher CD rates as part of a promotion.

Current Interest Rates

Bank CD rates are usually set according to other rates out on the market. If you see interest rates rising, you will generally also see a correlation with bank CD rates. If it looks like interest rates are going to fall then you may not get as high a CD rate on a longer-term deposit.

The MoneyAisle Solution

One way to compare several bank CD rates at once in the span of a couple of minutes is by trying out a MoneyAisle auction - many banks compete live for your CD deposit. By registering for an account and then running an auction for the best CD rate available in our system you'll get the advantage of comparing a large number of bank's rates in just a couple of minutes.

You can also run a test-drive without having to register - a test-drive auction is a real auction with real banks bidding their rates - you'll get to see the best CD rate available in our system at the time of your auction, but you won't have the option of opening your account with the winning bank.