A certificate of deposit trades access for rate: you fix a yield for a set term, and the bank pays it if the money stays put until maturity. The shortlist below covers the CD and term-deposit options dangcash tracks, each row linking to the issuer's own rate page where you can confirm the current APY, the minimum opening deposit, and the penalty that applies if you break the term early.
Top 5 CDs & Term Deposits for 2026
| # | Provider | Top Offer | Status |
|---|---|---|---|
| 1 | Compare CD rates for your savings | Compare CD rates for your savings | Active |
| 2 | Find the best CD rates | Find the best CD rates | Active |
| 3 |  Bank of America CD review | Bank of America CD review | Expired |
| 4 | Chase CD rates and review | Expired |
What this list does well
- Row links open the provider's official page where available
- Status labels flag live offers instead of hiding retired ones
- Ranking criteria are published on the page, not sold
What it does not cover
- Listings track published terms rather than hands-on testing
- Offer terms change between check cycles - verify at source
- Not every provider publishes regional detail for every row
How We Rank
Entries are judged on the yield actually available to a new customer, how attainable the stated rate is, and the terms attached to it rather than on headline numbers alone.
- Rate: The APY available at the stated term for a standard new customer, not a promotional teaser tier
- Access terms: Minimum opening deposit, term length, and the early-withdrawal penalty that applies if plans change
- Deposit protection: Whether the account sits with a bank or credit union covered by deposit insurance in its jurisdiction
- Terms currency: How recently the issuer's rate page was last confirmed to match what the row claims
Before You Choose
Start with liquidity, not yield. Money with a known deadline - a house deposit, tuition, a tax bill - belongs in an account you can exit without penalty, because most CDs charge interest-equivalent months when you break the term. For money you genuinely will not touch, compare the CD's fixed rate against the best variable-rate savings and money market accounts, since the premium for locking in is small when short-term rates are flat. If you ladder maturities instead of picking one long term, you keep rolling access to cash and reduce the risk of fixing everything at the top of a rate cycle. Finally, check how the interest is compounded and paid - monthly versus at maturity changes what you actually receive.
How We Keep This Page Current
When an issuer changes its rate card, adds a minimum, or withdraws a tier, the row is updated or removed rather than left describing terms that no longer exist - which is why some entries carry an expired status. The issuer's own rate page always governs: if the figure here and the figure there differ, trust the source and treat this table as a shortlist to work through. This page is informational and does not constitute financial advice.
Compare cds & term deposits side by side
Open the full listing table to filter by status and region.
Open Full Listing →Frequently Asked Questions
How is this CD shortlist different from the issuer's own rate page?
The table collects the CD and term-deposit options dangcash tracks in one place; the linked issuer page carries the binding APY, minimum deposit, compounding rules and penalty terms you agree to.
What is an early-withdrawal penalty?
Most CDs charge a penalty measured in months of interest if you close before maturity. The exact formula - flat months, simple interest, or principal loss - differs by issuer and is stated in the account agreement.
Are CD rates fixed for the whole term?
Yes. Once opened, a standard CD's rate does not move with the market for that issuer, which is the trade you make: certainty now, no upside if market rates rise before maturity.