Online banks occasionally offer special rates for Certificates of Deposit with unusual terms (non-standard lengths). The CDs are often worth looking at carefully. Banks may offer these special CDs for marketing purposes, believing, for example, that a 15-month CD or a 16-month CD is more likely to catch customers’ attention. In order to make these CDs attractive, banks also often price these CDs so that they have higher yields than even the highest yielding CDs of slightly longer lengths (i.e., 15 or 16-month CDs may be higher yielding than 18 month CDs).
November 17, 2024
| Institution | APY? | MIN? | PERIOD | |
|---|---|---|---|---|
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Norwood Bank
|
4.90% | $10,000 | 5 months |
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Rate History: 5.30% → 5.05% → 4.90% |
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Gateway First Bank
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4.85% | $500 | 7 months |
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Rate History: 5.15% → 4.85% |
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Blue Foundry Bank
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4.75% | $5,000 | 5 months |
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|
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5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.
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Brilliant Bank, a division of Equity Bank
|
4.60% | $1,000 | 3 months |
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Capital One 360
|
4.50% | $0 | 11 months |
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Brilliant Bank
|
4.35% | $1,000 | 15 months |
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|
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Rate History: 4.85% → 4.35% |
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CTBC Bank Corp. (USA)
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4.30% | $5,000 | 12 months |
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ConnectOne Bank
|
4.25% | $500 | 7 months |
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|
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Early withdrawal penalty is 180 days interest.
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Canadian Imperial Bank USA
|
4.21% | $1,000 | 13 months |
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Rate History: 5.01% → 4.76% → 4.41% → 4.43% → 4.21% |
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|
Ally Bank
|
4.00% | $0 | 11 months |
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|
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Rate History: 4.50% → 4.35% → 4.25% → 4.15% → 4.00% |
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Goldman Sachs Bank
|
4.00%
4.00% 4.00% |
$0
$500 $500 |
13 months |
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|
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First Hawaiian Bank
|
4.00% | $500 | 6 months |
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|
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Rate History: 1.00% → 0.06% → 4.00% |
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Valley Direct, a division of Valley National Bank
|
4.00% | $500 | 6 months |
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Rate History: 5.00% → 4.00% |
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Goldman Sachs Bank
|
4.00%
4.00% 4.00% |
$500
$500 $500 |
7 months |
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|
|
No Penalty CD.
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|
Goldman Sachs Bank
|
4.00%
4.00% 4.00% |
$500
$500 $500 |
20 months |
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|
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Rate History: 4.50% → 4.40% → 4.20% → 4.00% |
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Mercantile Bank
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4.00% | $500 | 25 months |
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Rate History: 1.00% → 3.25% → 4.00% |
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Blue Foundry Bank
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4.00% | $1,000 | 12 months |
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Rate History: 4.00% → 4.50% → 4.00% |
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Pentagon
Restrictions |
4.00% | $1,000 | 12 months |
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Rate History: 5.25% → 4.50% → 4.00% |
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Clear Sky Accounts
|
4.00% | $1,000 | 13 months |
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|
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Rate History: 4.75% → 5.10% → 4.50% → 4.00% |
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Pentagon
Restrictions |
4.00% | $1,000 | 15 months |
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|
|
Rate History: 5.35% → 4.40% → 4.00% |
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Pentagon
Restrictions |
4.00% | $1,000 | 18 months |
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|
|
Rate History: 5.35% → 5.00% → 4.30% → 4.00% |
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|
Norwood Bank
|
4.00% | $2,500 | 7 months |
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Rate History: 4.25% → 5.25% → 4.75% → 5.15% → 4.00% |
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|
Salem Five Direct
|
4.00% | $10,000 | 18 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn.
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Clear Sky Accounts
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3.85% | $1,000 | 7 months |
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|
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Rate History: 5.00% → 4.75% → 4.35% → 3.85% |
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ConnectOne Bank
|
3.75% | $500 | 11 months |
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Rate History: 5.40% → 5.15% → 4.85% → 4.60% → 3.75% |
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Atlantic Union Bank
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3.75% | $1,000 | 13 months |
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Rate History: 1.00% → 5.00% → 4.75% → 3.75% |
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Rising Bank, a division of Midwest BankCentre
|
3.75% | $1,000 | 15 months |
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|
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CIT Bank, a division of First-Citizens Bank and Trust
|
3.50% | $1,000 | 11 months |
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|
|
Account cannot be closed online. Requires reaching phone representative to close. |
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CIT Bank, a division of First-Citizens Bank and Trust
|
3.50% | $1,000 | 13 months |
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Norwood Bank
|
3.50% | $1,000 | 13 months |
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|
|
Rate History: 4.65% → 5.25% → 4.75% → 3.50% |
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Dollar Savings Direct, a division of Emigrant Bank
|
3.50% | $1,000 | 16 months |
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|
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Rate History: 5.00% → 5.00% → 3.50% |
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Norwood Bank
|
3.50% | $1,000 | 17 months |
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|
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Rate History: 4.65% → 3.50% |
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Colorado Federal Savings Bank
|
3.50% | $5,000 | 11 months |
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|
|
11-Month No Penalty CD |
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ConnectOne Bank
|
3.45% | $500 | 13 months |
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|
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Early withdrawal penalty is 180 days interest.
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ConnectOne Bank
|
3.25% | $500 | 23 months |
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|
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Early withdrawal penalty is 180 days interest.
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Blue Foundry Bank
|
3.25% | $1,000 | 24 months |
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|
|
Rate History: 3.50% → 3.25% |
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Finworth, a division of InsBank
|
3.20% | $50,000 | 22 months |
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|
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Rate History: 4.65% → 4.00% → 4.00% → 3.50% → 3.20% |
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First Hawaiian Bank
|
3.00% | $500 | 12 months |
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Rate History: 1.00% → 4.60% → 3.00% |
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Blue Foundry Bank
|
3.00% | $1,000 | 36 months |
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Hingham Institution for Savings
|
1.70% | $1,000 | 13 months |
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|
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Rate History: 1.85% → 1.70% |
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Hingham Institution for Savings
|
1.00% | $1,000 | 5 months |
Learn More
|
|
Bank of Montreal Harris
|
0.05% | $1,000 | 9 months |
Learn More
|
BestCashCow is the most comprehensive source of bank rate information. These special-term CDs are listed so that the site’s users may find the most appropriate deposit products for them. Users are also advised to compare these against comparable standard length CDs, using the tabs above, and to also compare these rates with those offered by banks and credit unions near you, also scrolling from the selection above.
According to the terms of a CD, a CD will ordinarily automatically renew at maturity for the same length at the bank’s prevailing rate if the customer does not provide notice within a notice period of their intent to redeem the CD. Special CDs renew for either a shorter or a longer term. BestCashCow therefore recommends that customers take note of the maturity dates of their CDs, and understand the renewal terms if they do not redeem them at maturity.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
