What Are Some Good FDIC-Insured CD Rates?


Quick Answer

As of January 2016, top FDIC-insured CD rates range from 1.05 percent for six-month CDs to 2.25 percent for five-year CDs, according to Nerd Wallet. Deposits of less than $1,000 can earn a maximum of 1.30 percent, and deposits of $50,000 or more can earn up to 2.45 percent.

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Full Answer

A deposit of $1,000 to $4,999 earns 1.26 percent when placed in a one-year CD at EverBank, states Nerd Wallet. Right behind, with a rate of 1.25 percent, are Synchrony Bank, BAC Florida Bank and Sallie Mae Bank. The same deposit placed in a three-year CD earns 1.65 percent at EverBank, with Capital One 360 and Sallie Mae Bank offering 1.60 percent.

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