Earn More on Your Savings – Best Certificate of Deposit & Savings Accounts
By: Conor Keenan, AWMA® | Updated: November 13, 2026 | We check the rates shown against the providers’ published information. Rates and terms can change. Use the links below to visit each provider’s website for current rates, requirements, and full offer details.
Accredited Wealth Management Advisor® designee with 10+ years covering banking & investing. His work has appeared in The Wall Street Journal, Reuters & Yahoo Finance.
Editorial Independence: Opinions, recommendations, and reviews are our own. Partner commissions help keep our site free. They do not influence our editorial content.
Short Term CDs:
APY
3 Month Term
- High-Yield CD
- Term: 3 Months
- 4.15% APY
- Min. initial deposit: $1
- FDIC Insured up to $250,000
- No Monthly Fees
- Chartered in 1922
- Trusted Banking Partner for 100+ Years
- Largest Privately-Held Bank in Texas with Assets Totaling $17 billion
- Exclusive Offer Powered by The Raisin Platform
- Limited Time Offer: New customers can earn up to $1,000 bonus cash
- Sign-up with promo code: STACK
- See Site for Details
On Raisin's Secure Site
for NexBank, Member FDIC
APY
6 Month Term
- High Yield CD
- Term: 6 Months
- 3.75% APY1
- Min. initial deposit: $1,000
- No Maintenance Fees
- Interest Compounded Daily
- FDIC Insured up to $250,000
- Sign up in under 5 Minutes
- Terms Applyⓘ
- See Site for Details
6 Month CD Disclosure
1 APY — Annual Percentage Yield is accurate as of July 1, 2026. $1,000 minimum deposit is required to open the account. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings.
- For complete list of account details and fees, see our Personal Account disclosures. please visit: https://www.cit.com/cit-bank/resources/forms
On CIT Bank's Secure Site,
Member FDIC
APY
6 Month Term
- High Yield CD
- Term: 6 Month
- 4.15% APY
- Min. initial deposit: $1
- FDIC Insured up to $250,000
- No Monthly Fees
- 24 /7 Access to Funds
- Certified Community Development Financial Institution
- Interest Compounded Daily
- See Site for Details
- Deposits held by Ponce Bank, Member FDIC
On Raisin's Secure Site for
Ponce Bank, FDIC Insured
High-Yield Savings Accounts:
High APY
up to
Annual Percentage Yield (APY)*
- Balance for APY: $5,000
- 3.75% APY1
- No Monthly Service Fees
- Terms Applyⓘ
- Limited Time Offer: +0.60% Boost to 4.35% APY* for up to 6 Months on New Accounts
- Use Promo Code: BOOST60
- Insured up to $250,000
- Sign Up in Under 5 Minutes
- See Site for Details
Disclosures:
1Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
2Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 21, 2026.
* Platinum Savings APY Boost Promotion Terms and Conditions
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.60% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
| Tier | Boost APY | Multiplier |
|---|---|---|
| $5,000.00 or more | 4.35%* | 11x2 |
| $0.01 to $4,999.99 | 0.85%* | N/A |
The Promotion begins on November 3, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
The promotion can end at any time without notice.
New CIT Bank Customers: This Platinum Savings APY Boost promotion offer is valid for New CIT Bank customers, who, at account opening, do not have a valid CIT Bank User ID (a "New Customer") or any open CIT Bank accounts provided that the following requirements are met:
- New customers must open a Platinum Savings account with a valid Promo Code, BOOST60. The Platinum Savings APY Boost Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the APY boost.
- The enrolled Platinum Savings account must be open to receive the APY boost during the promotional period.
CIT Bank Customers with an account prior to the promotion: This Platinum Savings APY Boost promotion is valid for a Primary account owner with an existing account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met:
- Customers without a Platinum Savings account open prior to the Promotion must open a new Platinum Savings account via the enrollment web page using Promo Code BOOST60.
- Customers with a Platinum Savings account opened prior to the promotion may enroll their current Platinum Savings account into the Platinum Savings Boost promotion via the enrollment web page using Promo Code BOOST60.
- Customers who are not the Primary account owner on a Platinum Savings account may open a new Platinum Savings account as the primary account owner via the enrollment web page using Promo Code BOOST60.
- Accounts opened or enrolled during the program period without the Promo Code are ineligible to receive the APY boost.
There is a limit of one Platinum Savings APY Boost promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.
There is no minimum account balance requirement to participate in the Platinum Savings APY Boost promotion.
Additional Important Terms
- The Platinum Savings APY Boost promotion may not be combined with other promotions.
-
Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:
- They are earning an APY over the standard rate.
- They participated in a previous APY Boost promotion.
- They participated in a cash bonus promotion in the past 6 months.
- Custodial accounts and accounts in the name of a Trust are not eligible.
- This offer is non-transferable.
The value of Platinum Saving Boost will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.
- For complete list of account details and fees, see our Personal Account disclosures. please visit: https://www.cit.com/cit-bank/resources/forms
On CIT Bank's Secure Site,
Member FDIC
High APY
up to
Annual Percentage Yield (APY)*
- Balance for APY: $5,000
- 3.75% APY1
- No Monthly Service Fees
- Terms Applyⓘ
- Limited Time Offer: +0.60% Boost to 4.35% APY* for up to 6 Months on New Accounts
- Use Promo Code: BOOST60
- Insured up to $250,000
- Sign Up in Under 5 Minutes
- See Site for Details
Disclosures:
1Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
2Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 21, 2026.
* Platinum Savings APY Boost Promotion Terms and Conditions
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.60% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
| Tier | Boost APY | Multiplier |
|---|---|---|
| $5,000.00 or more | 4.35%* | 11x2 |
| $0.01 to $4,999.99 | 0.85%* | N/A |
The Promotion begins on November 3, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
The promotion can end at any time without notice.
New CIT Bank Customers: This Platinum Savings APY Boost promotion offer is valid for New CIT Bank customers, who, at account opening, do not have a valid CIT Bank User ID (a "New Customer") or any open CIT Bank accounts provided that the following requirements are met:
- New customers must open a Platinum Savings account with a valid Promo Code, BOOST60. The Platinum Savings APY Boost Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the APY boost.
- The enrolled Platinum Savings account must be open to receive the APY boost during the promotional period.
CIT Bank Customers with an account prior to the promotion: This Platinum Savings APY Boost promotion is valid for a Primary account owner with an existing account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met:
- Customers without a Platinum Savings account open prior to the Promotion must open a new Platinum Savings account via the enrollment web page using Promo Code BOOST60.
- Customers with a Platinum Savings account opened prior to the promotion may enroll their current Platinum Savings account into the Platinum Savings Boost promotion via the enrollment web page using Promo Code BOOST60.
- Customers who are not the Primary account owner on a Platinum Savings account may open a new Platinum Savings account as the primary account owner via the enrollment web page using Promo Code BOOST60.
- Accounts opened or enrolled during the program period without the Promo Code are ineligible to receive the APY boost.
There is a limit of one Platinum Savings APY Boost promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.
There is no minimum account balance requirement to participate in the Platinum Savings APY Boost promotion.
Additional Important Terms
- The Platinum Savings APY Boost promotion may not be combined with other promotions.
-
Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:
- They are earning an APY over the standard rate.
- They participated in a previous APY Boost promotion.
- They participated in a cash bonus promotion in the past 6 months.
- Custodial accounts and accounts in the name of a Trust are not eligible.
- This offer is non-transferable.
The value of Platinum Saving Boost will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.
- For complete list of account details and fees, see our Personal Account disclosures. please visit: https://www.cit.com/cit-bank/resources/forms
On CIT Bank's Secure Site,
Member FDIC
APY
Annual Percentage Yield (APY)
- Min. to Earn APY: $0
- Min. to Open2: $0
- 3.20% APY1
- APY as of November 13, 2026
- Interest Compounded Daily
- $0 Monthly Fees
- 24/7 Customer Service
- FDIC Insured up to $250,000
- Backed by the World-Class Service & Reliability of American Express®
- Terms Applyⓘ
- See Site for Details
Terms Disclosure:
1. The Annual Percentage Yield (APY) as advertised is accurate as of November 13, 2026. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded
2. There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
3. iOS and Android only. See app store listings for operating system info.
4. For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.
On American Express
National Bank's Secure Site,
Member FDIC
APY
as of November 13, 2026
Annual Percentage Yield (APY)
- Min. to Earn APY: $0
- Min. to Open2: $0
- 3.20% APY1
- $0 Monthly Fees
- 24/7 Customer Service
- FDIC Insured up to $250,000
- Backed by the World-Class Service & Reliability of American Express®
- Terms Applyⓘ
- See Site for Details
Terms Disclosure:
1. The Annual Percentage Yield (APY) as advertised is accurate as of November 13, 2026. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded
2. There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
3. iOS and Android only. See app store listings for operating system info.
4. For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.
On American Express
National Bank's Secure Site,
Member FDIC
Longer Term CDs:
No Penalty CD
APY
11 Month Term
- High Yield No Penalty CD
- Term: 11 Months
- 3.90% APY1
- Min. initial deposit: $1,000
- No Maintenance Fees
- Lock the Rate, Keep the Key
- No Penalty to Access Funds if Needed Before Maturity2
- Interest Compounds Daily
- FDIC Insured up to $250,000
- Sign up in under 5 Minutes
- Terms Applyⓘ
- See Site for Details
11 Month No Penalty CD Disclosure
1 APY — Annual Percentage Yield is accurate as of July 1, 2026. $1,000 minimum to open the account.
2 With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.
-
- For complete list of account details and fees, see our Personal Account disclosures. please visit: https://www.cit.com/cit-bank/resources/forms
On CIT Bank's Secure Site,
Member FDIC
APY
12 Month Term
- High-Yield CD
- Min. initial deposit: $1
- Term: 12 Months
- 4.05% APY
- FDIC Insured up to $250,000
- No Monthly Fees
- Interest Compounded Daily
- Ranked #1 Top-Performing Large Bank with Assets $50 Billion and Above in 2021, 2022, & 2023 by American Banker
- Exclusive Offer Powered by The Raisin Platform
- See Site for Details
- Deposits held by Western Alliance Bank, Member FDIC
On Western Alliance Bank's
Secure Site Powered by Raisin,
Member FDIC
18-month term
CompareAccounts™ score
4.5/5
Best for savers who need funds within 2 years
APY
18-month term
Merrick Bank
18-Month High-Yield CD through Raisin
Limited Time Offer
- Established in 1997, with nearly 30 years of banking experience and over $9 Billion in assets.
- $1 minimum to open
- No monthly maintenance fees
- $25K+ Deposit? Earn between $100 - $1,000 cash bonus with promo code STACK
- FDIC insurance up to $250k for individual accounts
- Deposits held by Merrick Bank, Member FDIC
On Raisin’s secure site for Merrick Bank
Member FDIC
24-month term
CompareAccounts™ score
5.0/5
Best for savers who want 2 years of rate certainty
APY
24-month term
Merrick Bank
24-Month High-Yield CD through Raisin
Limited Time Offer
- Established in 1997, with nearly 30 years of banking experience and over $9 Billion in assets.
- $1 minimum to open
- No monthly maintenance fees
- $25K+ Deposit? Earn between $100 - $1,000 cash bonus with promo code STACK
- FDIC insurance up to $250k for individual accounts
- Deposits held by Merrick Bank, Member FDIC
On Raisin’s secure site for Merrick Bank
Member FDIC
48-month term
CompareAccounts™ score
5.0/5
Best for savers who want to take advantage of these high rates for longer
APY
48-month term
Sallie Mae Bank
48-Month High-Yield CD through Raisin
Limited Time Offer
- Sallie Mae is known for student loans
- Sallie Mae Bank is a massive digital banking powerhouse with almost $30 Billion in assets.
- $1 minimum to open
- No monthly maintenance fees
- $25K+ Deposit? Earn between $100 - $1,000 cash bonus with promo code STACK
- FDIC insurance up to $250k for individual accounts
- Deposits held by Sallie Mae Bank, Member FDIC
On Raisin’s secure site for Sallie Mae Bank
Member FDIC
To recap our recommendations.
Best Certificate of Deposits According To CompareAccounts™
NexBankTM Certificate of Deposit Account: 4.15% APY - 3 Month Term
CIT Bank® Certificate of Deposit Account: 3.75% APY - 6 Month Term
Ponce Bank® Certificate of Deposit Account: 4.15% APY - 6 Month Term
CIT Bank® No Penalty Certificate of Deposit Account: 3.90% APY - 11 Month Term
Western Alliance Bank® High-Yield CD: 4.05% APY - 12 Month Term
Merrick Bank 18-Month CD: 4.70% APY — 18 Month Term
Merrick Bank 24-Month CD: 4.85% APY — 24 Month Term
Sallie Mae Bank 48-Month CD: 4.60% APY — 48 Month Term
To recap our recommendations.
Best Savings Accounts According To CompareAccounts™
CIT Bank® Platinum Savings Account: up to 4.35% APY - with Promo Code: BOOST60
CIT Bank® Platinum Savings Account: up to 4.35% APY - with Promo Code: BOOST60
American Express® High Yield Savings Account: 3.20% APY as of November 13, 2026
American Express® High Yield Savings Account: 3.20% APY as of November 13, 2026
*National Savings Rate Average as published by FDIC