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highest rated certificates of deposit

For those seeking top-rated certificates of deposit (CDs) with competitive interest rates, several options stand out in 2024. Quontic Bank, Barclays, America First Credit Union, and Capital One offer CD accounts with appealing rates and flexible terms, providing savers with reliable options for secure growth.

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Quontic Bank’s CDs are particularly known for their high annual percentage yields (APYs) across a range of terms, allowing savers to maximize returns over short or long durations. Barclays CDs offer no minimum deposit requirement, making them accessible for all savers, and feature consistently competitive rates. America First Credit Union provides a variety of CD terms, some with low minimums, catering to both new and established savers looking to optimize their returns. Capital One stands out for its straightforward, no-fee structure and flexible term options, appealing to those who prefer simplicity without sacrificing yield. Each institution has unique advantages, so comparing terms, APYs, and any specific benefits can help you choose the CD that best fits your financial goals.

  • Barclays CD
    Barclays CD

    Barclays CD - Earn competitive rates with no monthly fees.

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  • Quontic Bank CD
    Quontic Bank CD

    Quontic Bank CD - A better way to save with higher rates.

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  • America First Credit Union CD
    America First Credit Union CD

    America First Credit Union CD - Your savings, growing with competitive rates.

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  • Capital One CD
    Capital One CD

    Capital One CD - Grow your savings with Capital One’s CDs.

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  • Popular Direct CD
    Popular Direct CD

    Popular Direct CD - A popular choice for high rates and easy access.

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  • Vio Bank CD
    Vio Bank CD

    Vio Bank CD - Boost your savings with Vio Bank’s high-yield CDs.

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  • Citizens CD
    Citizens CD

    Citizens CD - Save smarter with Citizens’ flexible CDs.

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  • Synchrony Bank CD
    Synchrony Bank CD

    Synchrony Bank CD - Save more with Synchrony’s high-yield CDs.

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  • Marcus by Goldman Sachs CD
    Marcus by Goldman Sachs CD

    Marcus by Goldman Sachs CD - Save with confidence with Marcus’ high-yield CDs.

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  • Bank of America CD
    Bank of America CD

    Bank of America CD - Grow ywith Bank of America’s CDs.

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highest rated certificates of deposit

1.

Barclays CD

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Barclays offers flexible terms for its CDs, with competitive rates, and no monthly maintenance fees. Its user-friendly platform ensures easy management.

Pros

  • pros Competitive rates
  • pros No monthly fees
  • pros Flexible terms
  • pros Trusted bank
  • pros Easy-to-use platform

Cons

  • consLimited branch access
  • cons Requires a minimum deposit
  • cons Penalty for early withdrawal
  • cons Not ideal for all term lengths
  • cons Limited customer support options​

2.

Quontic Bank CD

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Quontic Bank offers high rates on CDs with flexible terms and an option for both traditional and high-yield accounts.

Pros

  • pros High rates
  • pros Flexible terms
  • pros No monthly fees
  • pros Online-only access
  • pros FDIC-insured

Cons

  • consLimited branch access
  • cons Early withdrawal penalties
  • cons Minimum deposit required
  • cons Limited customer service
  • cons No in-person banking​

3.

America First Credit Union CD

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America First Credit Union offers a range of CD products with competitive rates, easy access to funds, and a reputable credit union platform.

Pros

  • pros Competitive rates
  • pros No fees
  • pros Easy access
  • pros FDIC-insured
  • pros Trustworthy credit union

Cons

  • consLimited availability outside of membership
  • cons Early withdrawal penalties
  • cons Minimum deposit requirement
  • cons Limited term options
  • cons Higher fees for certain services​

4.

Capital One CD

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Capital One offers a variety of CD options with competitive rates and flexible terms. It provides easy access to online banking with no monthly fees.

Pros

  • pros Competitive rates
  • pros Flexible terms
  • pros Trusted bank
  • pros Easy-to-use platform
  • pros No monthly fees

Cons

  • consRequires a minimum deposit
  • cons Early withdrawal penalties
  • cons Limited branch access
  • cons Lower rates for shorter terms
  • cons Limited product variety

6.

Vio Bank CD

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Vio Bank’s CDs provide competitive interest rates for various terms, focusing on maximizing returns on savings with low fees.

Pros

  • pros High rates
  • pros No monthly fees
  • pros Flexible terms
  • pros FDIC-insured
  • pros Simple online platform

Cons

  • consOnline-only access
  • cons High minimum deposit
  • cons Early withdrawal penalties
  • cons Limited customer support
  • cons Fewer product options

7.

Citizens CD

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Citizens offers a variety of CD options, including competitive rates and flexible terms. It provides an easy online banking experience for savers.

Pros

  • pros Competitive rates
  • pros Flexible terms
  • pros FDIC-insured
  • pros Trusted bank
  • pros Easy online banking

Cons

  • consMinimum deposit required
  • cons Early withdrawal penalties
  • cons Limited branch access
  • cons Rates may vary with terms
  • cons May require higher deposit for top rates

8.

Synchrony Bank CD

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Synchrony Bank offers high-yield CDs with competitive interest rates and flexible terms. It also provides no monthly fees and FDIC insurance for security.

Pros

  • pros High rates
  • pros No monthly fees
  • pros Flexible terms
  • pros Trusted bank
  • pros Easy online platform

Cons

  • consOnline-only access
  • cons Requires a minimum deposit
  • cons Early withdrawal penalty
  • cons Limited customer support
  • cons Fewer in-person services

9.

Marcus by Goldman Sachs CD

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Marcus offers high-yield CDs with attractive interest rates and no fees. The accounts are easy to manage online and come with flexible terms.

Pros

  • pros High rates
  • pros No fees
  • pros Flexible terms
  • pros Trusted financial institution
  • pros FDIC-insured

Cons

  • consHigh minimum deposit for top rates
  • cons Limited customer support
  • cons Online-only access
  • cons Early withdrawal penalties
  • cons Fewer term options

10.

Bank of America CD

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Bank of America provides a variety of CDs with different terms and competitive interest rates, offering easy access to funds and online management.

Pros

  • pros Competitive rates
  • pros Flexible terms
  • pros Trusted bank
  • pros Online access
  • pros FDIC-insured

Cons

  • consHigh minimum deposit for best rates
  • cons Requires in-person visits for some services
  • cons Early withdrawal penalties
  • cons Limited term options
  • cons Monthly fees for certain accounts

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