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Compare the Top Certificate of Deposit Accounts
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These are sponsored offers rated highly by us for competitive rates, fees, and minimums. Learn More.
Sponsored. Offers below are provided by GOBankingRates; rates and terms are set by each bank.
A little preparation can make the next steps easier.
Match the term to when you expect to need your money. Check the minimum opening deposit and any early withdrawal penalty in the bank’s terms.
Have your contact and identity details ready, along with the account you plan to fund from. The bank will guide you through verification and transfer steps.
Follow the bank’s deposit instructions and any funding deadline. Confirm that your deposit completed, then check the maturity date and renewal options.
You’ll apply and arrange your deposit on the bank’s website.
Banks may ask for contact details, identification and a Social Security number. If you plan to transfer money from another account, have its details available. The bank will explain its application requirements and available funding methods.
Updated weekly • Last updated: 10/25/2026
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4.8
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Promoted Offer: Backed by the financial expertise of Goldman Sachs.
Offer Details
4.6
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Min. Deposit
Term
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4.5
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Min. Deposit
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Promoted Offer
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