Barclays Online CD
Minimum deposit $0 Member FDIC
1-year APY 3.25%
3-year APY 3.50%
5-year APY 3.65%
Why we like it
Overview: Barclays, an online-only U.S. branch of a London-based company by the same name, has CD rates with the rare perk of no opening minimum. Terms include one-year to five-year CDs. Customer service is available every day for 12 hours.
Fees: No monthly or opening fees. The early withdrawal penalties are three months of interest for two-year CDs and shorter, and six months of interest for CDs with terms longer than two years.
Other products: Barclays also has a high-yield savings account with no minimum deposit and a bare-bones mobile app. The bank lacks checking, an ATM network and advanced budgeting tools.
Full list of Barclays CD rates:
1-year CD: 3.25% APY
18-month CD: 3.30% APY
2-year CD: 3.40% APY
3-year CD: 3.50% APY
4-year CD: 3.50% APY
5-year CD: 3.65% APY
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