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Bank CD Rates

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Overview of Bank CD Rates in the United States

One way to save money is to use a certificate of deposit (CD) account. You find them at banks and credit unions. They are generally low-risk but also low-reward places to keep your money. See below to learn more about various banks across the United States, their various CD offerings, and everything else you may need to pick the best CD.

Bank Products Terms APY
Ally Bank Ally Bank logo See all Ally Bank CD Rates
  • High Yield CD
  • Raise Your Rate CD
  • No Penalty
3 Month - 5 Year 0.75% - 2.65%
Barclays Barclays logo See all Barclays CD Rates
  • Online CD
3 Month - 5 Year 0.35% - 2.75%
Capital One Capital One logo See all Capital One CD Rates
  • 360 CD
6 Month - 5 Year 0.60% - 2.50%

CD Rates by Bank

Save more with these rates that beat the National Average
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Places Where it Pays the Most to Save

SmartAsset’s interactive map highlights the places in the country where people will get paid the most to save money. Zoom between states and the national map to see the best places where it pays the most to save.

Rank County Net Median Income Effective Tax Rate Average Savings Account Rate Interest Earned Savings Rate Return

Methodology Where you live can have a big impact on how much you could potentially earn on a savings account in your area as well as how easy it is to save money based on several regional factors. Our study aims to find the most suitable places for people to get paid the most on your savings based on average savings account rates, median household income, average living expenses and income tax burden.

First, we calculated the net median income by subtracting the average cost of living for a household with two adults (one working) from the median household income in each county.

To compare income tax burdens across counties, we applied relevant deductions and exemptions before calculating federal, state and local income taxes for a family making $50,000 annual income in each location. Next, we created an effective tax rate index for each county that reflects the counties with the lowest ratio of income taxes to the assumed $50,000 annual income. We subtracted the taxes you would have to pay on the net median income in each county and assumed you would put this amount into a savings account for the next five years.

Next, we applied the average savings account rate in each county to this amount and calculated how much interest you would earn over the next five years. When there was no county-level savings account rate data, we applied the state average to that county.

To understand where it pays the most to save, we then divided the total amount of interest earned by the median household income to get a savings return rate for each county. The counties with the highest savings return rates are the places where it pays the most to save.

Sources: US Census Bureau 2016 5-Year American Community Survey, RateWatch, MIT Living Wage Study