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          "currency": "USD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Share Certificate (long-term)",
          "rate": 3.85,
          "segment": "personal",
          "source_url": "https://www.navyfederal.org/rates.html",
          "tenure_months": 60
        },
        {
          "bank": "us/navyfederal",
          "conditions": [
            "NCUA-insured credit union; membership required"
          ],
          "currency": "USD",
          "kind": "board",
          "min_deposit": 20000,
          "product": "Share Certificate (long-term)",
          "rate": 3.85,
          "segment": "personal",
          "source_url": "https://www.navyfederal.org/rates.html",
          "tenure_months": 60
        },
        {
          "bank": "us/navyfederal",
          "conditions": [
            "NCUA-insured credit union; membership required"
          ],
          "currency": "USD",
          "kind": "board",
          "min_deposit": 100000,
          "product": "Share Certificate (long-term)",
          "rate": 3.9,
          "segment": "personal",
          "source_url": "https://www.navyfederal.org/rates.html",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "us/synchrony",
      "offers": [
        {
          "bank": "us/synchrony",
          "conditions": [
            "No minimum deposit"
          ],
          "currency": "USD",
          "kind": "board",
          "product": "CD",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.synchrony.com/banking/products/cd",
          "tenure_months": 16
        },
        {
          "bank": "us/synchrony",
          "conditions": [
            "No minimum deposit"
          ],
          "currency": "USD",
          "kind": "board",
          "product": "CD",
          "rate": 4.4,
          "segment": "personal",
          "source_url": "https://www.synchrony.com/banking/products/cd",
          "tenure_months": 13
        },
        {
          "bank": "us/synchrony",
          "conditions": [
            "No minimum deposit"
          ],
          "currency": "USD",
          "kind": "board",
          "product": "CD",
          "rate": 4.5,
          "segment": "personal",
          "source_url": "https://www.synchrony.com/banking/products/cd",
          "tenure_months": 60
        },
        {
          "bank": "us/synchrony",
          "conditions": [
            "No minimum deposit"
          ],
          "currency": "USD",
          "kind": "board",
          "product": "CD",
          "rate": 4.2,
          "segment": "personal",
          "source_url": "https://www.synchrony.com/banking/products/cd",
          "tenure_months": 12
        },
        {
          "bank": "us/synchrony",
          "conditions": [
            "No minimum deposit"
          ],
          "currency": "USD",
          "kind": "board",
          "product": "CD",
          "rate": 4.35,
          "segment": "personal",
          "source_url": "https://www.synchrony.com/banking/products/cd",
          "tenure_months": 18
        },
        {
          "bank": "us/synchrony",
          "conditions": [
            "No minimum deposit"
          ],
          "currency": "USD",
          "kind": "board",
          "product": "CD",
          "rate": 4.35,
          "segment": "personal",
          "source_url": "https://www.synchrony.com/banking/products/cd",
          "tenure_months": 24
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "us/wellsfargo",
      "offers": [
        {
          "bank": "us/wellsfargo",
          "conditions": [
            "$5,000 minimum opening deposit",
            "Rates shown for ZIP 94105 (CA); may vary by location",
            "Higher relationship APY for eligible customers"
          ],
          "currency": "USD",
          "kind": "promo",
          "min_deposit": 5000,
          "product": "Special Fixed Rate CD",
          "rate": 3.49,
          "segment": "personal",
          "source_url": "https://www.wellsfargo.com/savings-cds/rates/",
          "tenure_months": 4
        },
        {
          "bank": "us/wellsfargo",
          "conditions": [
            "$5,000 minimum opening deposit",
            "Rates shown for ZIP 94105 (CA); may vary by location",
            "Higher relationship APY for eligible customers"
          ],
          "currency": "USD",
          "kind": "promo",
          "min_deposit": 5000,
          "product": "Special Fixed Rate CD",
          "rate": 3.84,
          "segment": "personal",
          "source_url": "https://www.wellsfargo.com/savings-cds/rates/",
          "tenure_months": 7
        },
        {
          "bank": "us/wellsfargo",
          "conditions": [
            "$5,000 minimum opening deposit",
            "Rates shown for ZIP 94105 (CA); may vary by location",
            "Higher relationship APY for eligible customers"
          ],
          "currency": "USD",
          "kind": "promo",
          "min_deposit": 5000,
          "product": "Special Fixed Rate CD",
          "rate": 3.99,
          "segment": "personal",
          "source_url": "https://www.wellsfargo.com/savings-cds/rates/",
          "tenure_months": 11
        },
        {
          "bank": "us/wellsfargo",
          "conditions": [
            "$5,000 minimum opening deposit",
            "Rates shown for ZIP 94105 (CA); may vary by location",
            "Higher relationship APY for eligible customers"
          ],
          "currency": "USD",
          "kind": "promo",
          "min_deposit": 5000,
          "product": "Special Fixed Rate CD",
          "rate": 3.74,
          "segment": "personal",
          "source_url": "https://www.wellsfargo.com/savings-cds/rates/",
          "tenure_months": 15
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    }
  ],
  "benchmarks": [
    {
      "country": "us",
      "date": "2026-10-15",
      "label": "Federal funds target range, upper bound (NY Fed)",
      "page": "https://www.newyorkfed.org/markets/reference-rates/effr",
      "status": "ok",
      "value": 4.0,
      "verified_at": "2026-10-18T06:30:32.161999253Z"
    },
    {
      "country": "us",
      "date": "2026-10-13",
      "label": "13-week Treasury bill, latest auction high investment rate (US Treasury Fiscal Data)",
      "page": "https://fiscaldata.treasury.gov/datasets/treasury-securities-auctions-data/",
      "status": "ok",
      "value": 4.185,
      "verified_at": "2026-10-18T06:30:33.449869943Z"
    },
    {
      "country": "us",
      "date": "2026-09-30",
      "label": "Average interest rate on outstanding Treasury Bills, monthly (US Treasury Fiscal Data)",
      "page": "https://fiscaldata.treasury.gov/datasets/average-interest-rates-treasury-securities/",
      "status": "ok",
      "value": 3.87,
      "verified_at": "2026-10-18T06:30:34.602459108Z"
    }
  ],
  "country": "us",
  "currency": "USD",
  "deposit_insurance": {
    "checked": "2026-10-18",
    "limit": 250000,
    "scheme": "FDIC",
    "source": "https://www.fdic.gov/resources/deposit-insurance/understanding-deposit-insurance",
    "summary": "FDIC deposit insurance covers $250,000 per depositor, per FDIC-insured bank, for each account ownership category."
  },
  "generated_at": "2026-10-18T05:37:59.571528800Z",
  "name": "United States",
  "terms": "Free to use with attribution: link to https://getdeposited.com. Rates are as published by each bank at the time shown; verify with the bank."
}