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Compare CD Rates and Accounts
BRAND PASS / Banking / U.S. CDs
Compare CD Rates and Accounts
Give your savings a clear timeline. Compare term CDs, a no-penalty option and partner-bank offers—with rates, minimum deposits and access conditions in view.
Dated rate snapshot, not a live feed. For eligible U.S. applicants. Provider terms apply.
Advertising disclosure: BRAND PASS may earn commissions through affiliate links. This page currently uses official provider links and covers the listed shortlist, not the entire CD market. Information is educational, not personalized financial advice.
Explore the accounts
Choose how you want to save.
Compare fixed-term saving with no-penalty flexibility. Confirm current rates, eligibility, maturity instructions and withdrawal conditions directly with the provider.
Fixed-term saving
CIT Bank Term CDs
Compare CIT’s term CDs when you can leave funds deposited until maturity.
- Opening deposit
- $1,000 minimum.
- Term choice
- Multiple terms available; compare the yield for the term you need.
- Access
- Review early-withdrawal penalties, maturity instructions and renewal terms.
Official provider website. Confirm current rates and terms.
More flexible early access
CIT Bank 11-Month No-Penalty CD
An 11-month CD with a no-penalty withdrawal feature, subject to account conditions.
- Opening deposit
- $1,000 minimum.
- Term
- 11 months.
- Access
- Review the initial waiting period, whether withdrawals require full closure and all current conditions before funding.
Official provider website. Confirm current rates and terms.
Compare across six terms
Quontic CDs
Choose among available Quontic CD terms to match your savings timetable.
- Opening deposit
- $500 minimum; the rate sheet also specifies a $500 minimum daily balance for the disclosed APY.
- Terms listed
- 3, 6, 12, 24, 36 and 60 months.
- Access
- Withdrawals before maturity are subject to penalties. Check renewal and grace-period rules.
Official provider website. Confirm current rates and terms.
CD marketplace / not a bank
Partner-bank CDs through Raisin US
Compare partner-bank term CDs and no-penalty CDs offered through Raisin’s platform.
- Offer selection
- Terms, yields, minimum deposits and availability depend on the selected bank and product.
- Access
- Compare the withdrawal conditions of each term CD or no-penalty CD.
- Provider structure
- Raisin is not a bank and is not itself FDIC insured. Review the deposit-holding bank and pass-through insurance conditions.
Official provider website. Confirm current rates and terms.
Published rate snapshot
Compare rates, terms and minimums.
Checked October 8, 2026. These are selected published offers, not live rates or a ranking. CIT’s product schedule dates its rates July 1, 2026; Quontic’s rate-sheet disclosure dates its rates October 5, 2026. Confirm availability and APY before funding. Scroll horizontally on smaller screens.
| Account | Term | Published APY | Minimum deposit | Early access | Provider rate date | Next step |
|---|---|---|---|---|---|---|
| CIT Bank Term CD | 6 months | 3.75% | $1,000 | Standard term CD; penalties may apply | July 1, 2026 | Check rate ↗ |
| CIT Bank Term CD | 12 months | 4.00% | $1,000 | Standard term CD; penalties may apply | July 1, 2026 | Check rate ↗ |
| CIT Bank No-Penalty CD | 11 months | 3.90% | $1,000 | No-penalty feature; conditions apply | July 1, 2026 | Check rate ↗ |
| Quontic CD | 3 months | 3.66% | $500 | Early withdrawals subject to penalties | October 5, 2026 | Check rate ↗ |
| Quontic CD | 6 months | 3.75% | $500 | Early withdrawals subject to penalties | October 5, 2026 | Check rate ↗ |
| Quontic CD | 12 months | 4.00% | $500 | Early withdrawals subject to penalties | October 5, 2026 | Check rate ↗ |
| Quontic CD | 24 months | 4.00% | $500 | Early withdrawals subject to penalties | October 5, 2026 | Check rate ↗ |
| Quontic CD | 36 months | 2.85% | $500 | Early withdrawals subject to penalties | October 5, 2026 | Check rate ↗ |
| Quontic CD | 60 months | 2.75% | $500 | Early withdrawals subject to penalties | October 5, 2026 | Check rate ↗ |
| Raisin partner-bank CDs | Varies by offer | Check current offer | Varies | Term and no-penalty options; bank-specific conditions | See selected offer | Compare offers ↗ |
APY is annualized. It is not the total percentage earned over a shorter CD term. Fees and withdrawal penalties can reduce earnings. Rates offered for newly opened CDs can change.
Match your savings timetable
Term CDs or no-penalty CDs?
Standard term CD
Compare when you can leave the deposit until maturity. Review the fixed-rate terms and penalty for early withdrawal.
No-penalty CD
Compare when early access matters. Check the waiting period, full-closure rules and any other withdrawal restrictions.
Marketplace offers
Compare several banks through one platform. Review the selected institution, product agreement and deposit insurance arrangements.
Before you fund a CD
CD questions, answered.
What is a certificate of deposit?
A CD is a deposit account held for a stated term. Standard term CDs typically offer a fixed rate for that term; withdrawing early can trigger a penalty. Read the particular account agreement.
What does APY mean?
Annual percentage yield expresses an annualized return that includes compounding. An 11-month CD at a stated APY does not earn that full annual percentage over 11 months. Actual earnings depend on the term, balance and account conditions.
Are the rates on this page live?
No. The table is a snapshot checked on October 8, 2026, with each provider’s published rate date shown. Rates offered for new CDs can change. Confirm the rate and terms before funding.
Does no-penalty mean I can withdraw at any time?
Not necessarily. A no-penalty CD may have an initial waiting period and may require closing the whole account rather than making partial withdrawals. Check the selected product’s rules.
How should I compare different term lengths?
Compare the APY and the date you need your money back. Also review penalties, minimum deposits and renewal terms. A longer term is not automatically a better fit or a higher yield.
Is Raisin the bank holding my CD?
Raisin is a platform, not a bank. Review the selected partner bank, custodial arrangements and pass-through deposit insurance conditions. Other deposits at the same insured bank in the same ownership category count toward applicable coverage limits.
What happens when a CD matures?
The provider may renew it automatically unless you give instructions within a specified grace period. Review the maturity notice and renewal terms so you know how to withdraw or reinvest.
Can I apply from outside the United States?
These are U.S. offerings. Residency, identification, age and other eligibility requirements vary. Check directly with the provider before applying.
Find a CD that fits your timeline.
Compare the offers, read the access conditions and check the provider’s current rate.
Provider references
Product information checked on October 8, 2026. Published rates are a dated snapshot and may change.
- CIT Bank product and rate schedule
- CIT Bank CD options and agreements
- Quontic rate sheet
- Quontic CDs and account details
- Raisin CD marketplace and no-penalty offers
BRAND PASS does not hold deposits or open accounts on your behalf. Applications and servicing are handled by providers or the platform. Review the institution holding your deposit and applicable insurance conditions.