Find Great CD Rates

Banks and credit unions bid live for your business.

Finding the best CD rates during difficult economic times can provide you with an investment you can count on.
Read more below.

Recent National Live Auction CD Rates
for September 02, 2010

Term	National Avg APY*	Overnight Auction APY†
High-Yield Savings Account Rates	0.18%	1.25%
3 Month CD Rates	0.24%	0.80%
9 Month CD Rates	0.57%	1.30%
1 Year CD Rates	0.57%	1.51%
2 Year CD Rates	0.93%	1.95%

More National CD Rates

Show me CD Rates offered to people from my state:

*Source: TheStreet.com

†Overnight Auction APY is a sample rate for a nightly auction for a $50,000 deposit.

CD Rates from the Blog

MoneyAisle in the News: The Wall Street Journal

February 12, 2010

The Wall Street Journal has a great article out today called Sites That Help You Fight the Fees, and MoneyAisle is listed as one of the sites:With MoneyAisle... [more]

Shopping for a CD: Be Informed, Be Safe

January 22, 2010

With many investments in the stock market or real estate declining in value, certificates of deposit (CDs) remain some of the safest and most reliable... [more]

CD Rates Continue to Trend Downward

October 27, 2009

The banking world continues to be plagued by anemic CD Rates, as this article over on Mainstreet attests:You can’t really blame CD investors for seeing... [more]

Is the Government Killing Your Savings with Low Interest Rates?

October 20, 2009

Very interesting article posted over at CNN Money about the federal government's suppression of interest rates in an effort to stimulate the economy and... [more]

CD Rates in the News: September 3, 2009

September 3, 2009

Here are some of the more interesting recent articles and blogs to pop up regarding cd rates:Hoboken411 asks: Is CD Laddering Right for you?For instance... [more]

New Feature: Split Deposits

August 31, 2009

MoneyAisle has another great new feature for registered users: Split DepositsA split deposit involves taking a sum of money and investing it in various... [more]

Check Current CD and Savings Rates
CD or Savings
Deposit Amount
State of Residence
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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 and credit unions will give you a higher CD rate for a larger deposit (these are sometimes referred to as "jumbo CDs"), and some banks and credit unions, looking for new deposits, may give higher CD rates as part of a promotion.

Current Interest Rates

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 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 CD rates at once in the span of a couple of minutes is by trying out a MoneyAisle auction - many banks and credit unions 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 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 and credit unions bidding their rates - you'll get to see the best CD rate available in our system at the time of your auction, but you'll have to register or sign in in order to see the winning financial institutions and open your account.