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Certificate of Deposit Rates

Fixed-term accounts that lock in your rate. One row per deposit tier. Last updated Mar 25, 2026.

$
Featured CDs
Bank & Product APY ↕ Term Min Deposit Access Apply Earnings

Savings & MMDA Rates

High-yield savings and money market deposit accounts. Rates shown per balance tier. Last updated Mar 25, 2026.

0%2.5%5%
$
Featured Savings Accounts
Bank & Product APY ↕ Min Deposit Monthly Fee Access Apply Earnings

* Waivable fee: Some accounts charge a monthly fee that can be waived by meeting certain conditions (e.g. maintaining a minimum balance or setting up direct deposit). Always confirm waiver requirements with the institution before opening.

Checking Accounts

Everyday spending accounts. Interest-bearing accounts highlighted. Last updated Mar 25, 2026.

Featured Checking — Interest-Bearing
Bank & Product Earns Interest Min Opening Deposit Monthly Fee Waive Fee — Total Monthly Direct Deposit Amount Waive Fee — Min Balance Access Apply

* Waivable fee: Some accounts charge a monthly fee that can be waived by meeting certain conditions (e.g. maintaining a minimum balance or setting up direct deposit). Always confirm waiver requirements with the institution before opening.

Learn the basics

Everything you need to know about deposit accounts, explained simply. Click any card to expand.

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Savings account
What is a savings account?
Store money, earn interest, keep it separate from spending.

A savings account is a deposit account held at a bank or credit union that earns interest over time. It's designed for money you don't need daily access to.

The interest rate is expressed as APY (Annual Percentage Yield) — the effective annual return including compounding. At 4.00% APY, $10,000 earns roughly $400 in a year.

Most savings accounts are FDIC-insured up to $250,000 per depositor, per bank.

Certificate of Deposit
What is a CD?
Lock in a rate for a fixed period. Usually pays more than savings.

A Certificate of Deposit (CD) holds money for a fixed term — from 1 month to 5 years — at a fixed rate. Because you commit your money, banks pay higher rates.

The tradeoff: withdrawing early triggers a penalty, typically 3–12 months of interest.

CDs are ideal when you know you won't need the money and want to lock in today's rate before it drops.

CD vs Savings comparison
CD vs. Savings: which is better?
It depends on flexibility and when you need the money.

Choose savings if you want flexibility to add or withdraw at any time, or need an emergency fund.

Choose a CD if you have a lump sum you won't need for a defined period and want to lock in a guaranteed rate.

Many people use both — savings for their emergency fund, CDs for medium-term goals.

APY and interest rates
What is an APY?
The real rate of return — includes the effect of compounding.

APY (Annual Percentage Yield) is the effective annual return on your deposit, factoring in compound interest. It's always higher than the base rate because interest compounds.

At 4.00% APY compounding monthly, you earn interest on your balance plus all previous interest — not just the original deposit.

Always compare APY between accounts. REBOLST shows APY for every product.

FDIC federal government building deposit protection
What is FDIC insurance?
Federal protection for your deposits up to $250,000.

The FDIC insures bank deposits up to $250,000 per depositor, per bank, per account category. If a member bank fails, your money is protected.

Credit unions use the NCUA — same coverage limits.

All banks on REBOLST are FDIC or NCUA insured. Verify any bank at fdic.gov.

Money market account
What is a money market account?
A hybrid with higher rates, higher minimums, and more flexibility.

A Money Market Deposit Account (MMDA) typically offers higher rates in exchange for higher minimum balances. Some include check-writing or debit access.

MMDAs often have tiered rates — more you deposit, higher your APY. REBOLST breaks out every tier.

Don't confuse with money market funds — those are investments, not FDIC-insured deposits.

Frequently asked questions
Why do rates vary by deposit tier?
Banks reward larger deposits with higher rates. REBOLST breaks out every tier — most sites only show one rate per product.
How often do rates change?
Savings and MMDA rates can change any time — often weekly in response to Fed policy. CD rates are locked once you open the account. REBOLST updates rates weekly.
What happens if I withdraw from a CD early?
Most CDs charge an early withdrawal penalty of 3–12 months of interest. Some banks offer no-penalty CDs at slightly lower rates.
Online vs. in-branch — which is better?
Online products often pay higher rates due to lower overhead. In-branch offers in-person service. REBOLST shows access type for every product so you can decide what fits your lifestyle.
Where does REBOLST get its rate data?
Every rate is sourced directly from each bank's website or official rate sheet — never from aggregators like Bankrate or NerdWallet. We show the source link on every row so you can verify before you apply.

The REBOLST Blog

Rate news, savings strategy, and banking explainers — written for real people.

CD Strategy
CD Laddering
CD Laddering: How to always have money available without sacrificing rate
Locking all your savings in one CD means missing better rates later. CD laddering solves that.
Mar 20, 20264 min read
0.45% 4.75%
Savings
The Cost of Doing Nothing
High-yield savings vs. your bank's default: the real cost of doing nothing
The gap between 0.45% and 4.75% costs the average American $430 a year.
Mar 15, 20265 min read
Fed Funds Rate
Explainer
Fed Rate Decisions
What the Fed rate decision actually means for your savings account
Every Fed move affects your savings — but not always the way you'd expect.
Mar 10, 20263 min read
Advertised rate: 4.75% After min balance: 3.20% Your actual rate: 1.10%
Rates
The Fine Print
Why the rate on your bank's website isn't always the rate you get
Tiers, promos, and balance requirements mean the advertised rate is rarely the whole story.
Mar 5, 20264 min read
4.20% 4.50% 4.35% Community Local Regional
Community Banks
Hidden Gems
Community banks are quietly offering some of the best rates in the country
You've never heard of them. But they're beating the big names — and your deposits stay local.
Feb 28, 20266 min read
$15 $15 × 12 months = $184/yr for nothing.
Checking
Stop Paying Fees
Monthly fees are quietly draining your checking account. Here's how to stop it.
The average checking fee is $15.33/month. That's $184/year for a service many banks offer free.
Feb 22, 20264 min read

Why REBOLST?

Most rate comparison sites pull from aggregators, show incomplete tier data, and bury the details you actually need. REBOLST goes straight to each bank's website — every tier, every term, every product.

Updated weekly. No sponsored placements. No guesswork. Just the rates.

Sourced directly
Every rate is verified from the bank's own website or rate sheet. Never from third-party aggregators.
Every tier, every term
Most sites show one rate. We show every deposit tier and every term — so you find the exact fit.
Community first
A dedicated section for community banks is coming — because a better rate and community impact aren't mutually exclusive.

Simulate Your Earnings

Plug in any deposit amount, rate, and term to see what you'd actually take home.

$
%
  • 3 months
  • 6 months
  • 1 year
  • 2 years
  • 3 years
  • 4 years
  • 5 years
Interest Earned
$450.00
Total Value
$10,450.00
Compare Rates to Find This →
Important Disclosures
REBOLST is an independent rate comparison service. We are not a bank, credit union, or financial institution, and we do not offer deposit accounts or financial products. Rates shown are sourced directly from publicly available bank websites and rate sheets and are believed to be accurate as of the date shown, but are subject to change at any time without notice. REBOLST makes no representations or warranties regarding the accuracy, completeness, or timeliness of rate information. Rates may vary by location, deposit amount, account type, relationship status, and other factors. APY (Annual Percentage Yield) assumes interest remains on deposit for the full term and may differ from the rate you actually receive. Always verify rates directly with the financial institution before opening an account. This site is for informational purposes only and does not constitute financial, investment, legal, or tax advice. Exclusions and restrictions may apply. FDIC and NCUA insurance coverage is subject to applicable limits and conditions — visit fdic.gov or ncua.gov for details. © 2026 REBOLST. All rights reserved.
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Interest Earned
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