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国家 / 🇺🇸 United States

在 United States 的最佳 CD 利率

来自 8 家供应商的 USD CD 利率，每日直接从各银行网站读取，另有 3 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 05:37 UTC · 全部 11 家供应商 · high-yield savings account

最佳 3 个月利率

1.50% 年利率

Navy Federal Credit Union

基准利率 · 最低 $1,000

最佳 6 个月利率

4.00% 年利率

Barclays (US)

基准利率

最佳 12 个月利率

4.50% 年利率

Barclays (US)

基准利率

针对 $10,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 CD 利率

期限
利率类型
选项

6 家银行提供 $10,000 的12个月利率

银行年利率期限存款详情链接
Barclays (US)Online CD4.50%≈ $450 (12 个月)12 个月未说明基准利率
No minimum opening balance or deposit required
前往银行
Marcus by Goldman SachsHigh-Yield CD4.40%≈ $440 (12 个月)12 个月$500 +基准利率
$500 minimum to open and earn the stated APY; Early withdrawal penalty applies
前往银行
Synchrony BankCD4.20%≈ $420 (12 个月)12 个月未说明基准利率
No minimum deposit
前往银行
Navy Federal Credit UnionShare Certificate (short-term)4.05%≈ $405 (12 个月)12 个月$1,000 +基准利率
NCUA-insured credit union; membership required
前往银行
Capital One360 CD4.00%≈ $400 (12 个月)12 个月未说明基准利率
No minimum balance to open or maintain; Early withdrawal penalties apply
前往银行
American Express National BankCD3.65%≈ $365 (12 个月)12 个月未说明基准利率
No minimum balance required
前往银行

"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

3 months: 1.50% at Navy Federal Credit Union1.50%3 个月4 months: 3.49% at Wells Fargo3.49%4 个月6 months: 4.00% at Barclays (US)4.00%6 个月9 months: 4.30% at Marcus by Goldman Sachs4.30%9 个月12 months: 4.50% at Barclays (US)4.50%12 个月18 months: 4.50% at Barclays (US)4.50%18 个月24 months: 4.75% at Barclays (US)4.75%24 个月36 months: 4.50% at Barclays (US)4.50%36 个月

Best rate open to any customer for $10,000 at each term, from today's verified offers. Hover a point for the bank.

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

官方基准

Federal funds target range, upper bound (NY Fed) 2026-10-154.00%
13-week Treasury bill, latest auction high investment rate (US Treasury Fiscal Data) 2026-10-134.185%
Average interest rate on outstanding Treasury Bills, monthly (US Treasury Fiscal Data) 2026-09-303.87%

来源：newyorkfed.org, fiscaldata.treasury.gov, fiscaldata.treasury.gov。仅作参考，不构成推荐。

存款保障：FDIC

限额$250,000

FDIC deposit insurance covers $250,000 per depositor, per FDIC-insured bank, for each account ownership category. 来源, 已检查 2026-10-18.

Where does your money earn most in United States?

Best 12-month CD (Barclays (US))4.50%
Best savings account (CIT Bank)3.75%
Federal funds target range, upper bound (NY Fed)4.00%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

更多 CD 提供商在 United States

我们列出这些提供商，但尚未自动读取它们的利率，因此我们从不显示具体数字。请在银行官网查看利率。 Know a bank we should read? Suggest it.

Questions about deposits in United States

What is the best 12-month CD rate in United States today?

4.50% p.a. at Barclays (US) (minimum deposit: 未说明), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month CD rate in United States today?

4.00% p.a. at Barclays (US) (minimum deposit: 未说明), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are CDs in United States protected?

FDIC deposit insurance covers $250,000 per depositor, per FDIC-insured bank, for each account ownership category.

How many banks do you compare in United States?

We list 11 providers. Rates for 8 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do CD rates compare with the Federal funds target range, upper bound (NY Fed)?

The Federal funds target range, upper bound (NY Fed) is 4.00% (2026-10-15). The best 12-month CD rate open to any customer today is 4.50%.

Deposit rates in nearby countries

🇧🇷 Brazil🇲🇽 Mexico🇨🇦 Canada🇨🇱 Chile

Add this rate table to your website

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Missing a bank? Suggest one

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。