Rates on Demand
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Find the US top FDIC-Insured Certificate of Deposits

Earn top rates up to 8% a Year on your Savings.

Earn up to 8% APY on your savings — some of the highest rates available today.

Lock in guaranteed returns with flexible terms to match your savings goals.

Grow your money with confidence, backed by FDIC-insured banks.

Get the best CD rate now

Over 2 million members

have invested in their future with Rates on Demand

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What is Rates on Demand?

Rates on Demand is your go-to comparison service for finding the best CD rates to help you grow your savings with confidence.

With access to CDs offering up to 8% APY, we make it easy to secure higher returns on your money compared to standard savings accounts.

You can browse options across leading banks and credit unions, compare terms, and choose the CD that matches your financial goals — whether you want short-term flexibility or to lock in a long-term guaranteed rate.

CDs are available to savers of all ages, and accounts are typically FDIC- or NCUA-insured, so your money is safe up to applicable limits.

Withdrawals before the maturity date may result in penalties, so it’s important to select a term that suits your needs.

At Rates on Demand, we highlight the top-performing CDs across the market so you can make the most of your savings with peace of mind.

Over 2 million members

have invested in their future with Rates on Demand

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Rates updated 19.08.2025

Rates on Demand shows you the best CD rates available so your money has the best chance of keeping ahead of inflation.*

Find out how short-term vs long-term CDs compare and discover which option is right for your savings goals.

CD Calculator

How much could you earn with the best CD rates from Rates on Demand?

This tool shows how your savings could grow with different deposit amounts and term lengths — from short-term flexibility to long-term, high-yield CDs.

Remember, CDs offer a fixed rate of return, but withdrawing your money before maturity may mean paying an early withdrawal penalty.

$

Lower performance

$17,153

After 7 years
You've invested $12,600
Government bonus $3,150

Projected value
$19,544

7 years

Higher performance

$22,328

What do these numbers mean?

Please note: Minimum and maximum deposit limits vary by bank or credit union. Some CDs may require as little as $500 to open, while high-yield CDs could need larger deposits. Always check the provider's terms before investing.

How does a Certificate of Deposit work?

⚠️ Important: If you withdraw before the CD matures, you may face an early withdrawal penalty, which could reduce your returns.
  1. 1

    1. Open a CD Choose a bank or credit union offering a CD with the rate and term length that works for you. Minimum deposits vary, but many start around $500–$1,000.

  2. 2

    2. Lock in your term Decide how long you want to keep your money invested. Terms typically range from 3 months to 5 years. The longer the term, the higher the rate you may be offered.

  3. 3

    Every month, get an extra 25% of everything you paid in the month before from the government. You can pay in up to $4,000 a year, so there's $1,000 bonus available.

  4. 4

    When it's time to buy your first home, simply tell your solicitor that you're using a Rates on Demand Certificate of Deposits. We'll send them the money.

Item 1 of 4
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Certificate of Deposits rules

  1. CDs can be opened by adults of any age, as long as you meet the bank or credit union’s minimum deposit requirements.
  2. You can choose from a range of terms — typically from 3 months up to 5 years or more — and your interest rate is fixed for the entire term.
  3. You’ll need to keep your money in the CD until it matures.
  4. If you withdraw early, you may face an early withdrawal penalty, which can reduce your interest earned or, in some cases, dip into your initial deposit.
  5. The longer the term you choose, the higher the rate you may be able to secure.

CDs from banks and credit unions are usually FDIC or NCUA insured (up to $250,000 per depositor, per institution), giving you peace of mind that your money is protected.

Certificate of Deposits rules
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Psst! Buying a home with someone else?

Did you know that you can both use a Certificate of Deposits as long as you both meet the eligibility rules? That means you can collect double the bonus for the same property!

Knowledge hub

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*Compared to cash Certificate of Depositss, which grow your money with interest rates. As with all investing, the value can go up and down and you could get back less than you’ve paid in.