3months
3-Month CDs
Parking cash you expect to need soon, such as an upcoming tax bill or home project.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
CD terms
Choosing the Right CD Term
The term is how long your money stays in the CD. Matching it to when you'll need the funds is one of the most important decisions you'll make.
Explore CD Options
6months
6-Month CDs
A short commitment for savers who want a fixed rate while keeping options open.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
9months
9-Month CDs
Bridging the gap to a known date, like a tuition payment or planned purchase.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
12months
12-Month CDs
A common one-year anchor for emergency reserves beyond everyday cash.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
18months
18-Month CDs
Locking a rate a little longer while staying under two years.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
24months
24-Month CDs
Medium-term goals and a building block for a CD ladder.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
36months
36-Month CDs
Funds you are confident you won't need for several years.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
60months
60-Month CDs
Long-horizon savings where rate predictability matters most.
- Minimum deposit
- Varies by provider
- Rate
- Request current options
Short, medium and long terms
Short terms (3–9 months) keep your commitment brief and let you reinvest sooner, but expose you to changes in rates at each renewal.
Medium terms (12–24 months) are the most widely offered and balance rate certainty with flexibility.
Long terms (36–60 months) lock a rate for years. They can make sense for money you're confident you won't need, but early withdrawal penalties are usually larger.
Questions to ask yourself
- When will I realistically need this money?
- Do I have separate emergency savings I can access without penalty?
- Would I rather lock in today's rate, or keep flexibility to reinvest later?
- Would spreading my deposit across several terms (a CD ladder) suit me better?
Ready to explore CD options?
Tell us your preferences and review options without obligation.