Best CD Rates
Marcus and Ally both offer competitive rates with clear penalty terms. Discover is worth comparing on longer terms. Do not chase a rate on money that might become your emergency fund.
Best CD Rates
Nothing we can price
None of these carry the figures needed to rank them for your situation yet.
Compared side by side
3 compared on the 3 things that decide it. A blank cell means we could not confirm the answer, not that the answer is no.
| Provider | Best APY | Minimum deposit | Early withdrawal penalty |
|---|---|---|---|
 Marcus Online Savings Best overall | — | — | — |
 Ally Online Savings Most flexible | — | — | — |
| Discover Online Savings Best for long terms | — | — | — |
Every offer, priced the same way
Ranked by what it costs you over a year. The arithmetic behind each figure is shown so you can check it. Offers we could not price are listed at the bottom with the reason.
1. Marcus Online Savings — Goldman Sachs
Best overall
Competitive across terms with a straightforward penalty schedule.
Priced from national figures. Last checked September 4, 2026.
2. Ally Online Savings — Ally Bank
Most flexible
A no-penalty option for money you might need before the term ends.
Priced from national figures. Last checked September 4, 2026.
3. Discover Online Savings — Discover
Best for long terms
Worth comparing on five-year terms where rates diverge most.
Priced from national figures.
How we ranked these
We compare the annual percentage yield across common terms, the minimum deposit, and the early withdrawal penalty stated in months of interest. Promotional terms are noted where the rate is not available at renewal.