Highest CD Rates in the US, by Term

Top Rate for Each Term

Figures cover every institution listed above.

Can Someone Outside the US Open These CDs?

Usually not at the posted rate. Most of these institutions say nothing about customers living abroad, and the ones that do mostly limit accounts to US citizens and residents or require a Social Security number. A handful of banks open accounts for nonresidents, but their international CDs usually carry a separate rate given by a banker rather than the rate posted online. For a nonresident, the reason to hold a CD at a US bank is often estate tax as much as yield. A deposit held directly at a US bank, with no connection to a US business, is not part of a nonresident’s US estate, while US stocks and funds are. The directory of US banks that accept nonresident depositors lists 44 institutions in their own words, and the guide to US estate tax for non-resident aliens explains the rule.

How the Table Is Built

We examined 595 banks and credit unions. The candidates were the 400 banks that paid the highest average rates on time deposits in their June 30, 2026 Call Reports, every Florida-headquartered bank, 59 online and national direct banks, and 62 large credit unions. A script read each institution’s own CD rate page, and 252 institutions posted a rate that could be read. Where a site refused scripted requests or filled in its rates by script, a person read the page in a browser, and those rows say so. Some large banks show a rate only after a visitor enters a ZIP code, and a few sites present a bot check, which we did not try to get around, so those institutions are missing. Only standard terms are ranked, a promotion counts only when the institution’s own page says it is one, and IRA, business and jumbo rates with a minimum over $100,000 are left out. Deposits at FDIC-insured banks and NCUA-insured credit unions are insured up to $250,000 per depositor, per institution, for each ownership category.