Ally CD Rates (November 2026) & Calculator
Ally pays up to 4.50% APY on a 1-year CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Ally CD rates (Nov 3, 2026)
Every CD term Ally lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 3 months | High Yield Certificate of Deposit (CD) | None | 2.90% | $71.72 |
| 6 months | High Yield Certificate of Deposit (CD) | None | 4.00% | $198.04 |
| 9 months | High Yield Certificate of Deposit (CD) | None | 4.15% | $309.66 |
| 1 year | High Yield Certificate of Deposit (CD) | None | 4.50% | $450.00 |
| 18 months | High Yield Certificate of Deposit (CD) | None | 4.50% | $682.54 |
| 3 years | High Yield Certificate of Deposit (CD) | None | 4.25% | $1,329.96 |
| 5 years | High Yield Certificate of Deposit (CD) | None | 4.50% | $2,461.82 |
Special is a promotional rate. Relationship needs a linked account at Ally. A dash means the same APY as the opening balance. The highlighted row is Ally's top rate.
Source: Ally CD rates. Rates change often; confirm before you open an account.
Ally vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 8 other banks we track for the same term.
| Term | Ally | National avg | Best other bank |
|---|---|---|---|
| 3 months | 2.90% | 1.14% |  Navy Federal 1.50% |
| 6 months | 4.00% | 1.39% |  Marcus 3.95% |
| 9 months | 4.15% | 1.39% (6 mo) | Marcus 4.30% |
| 1 year | 4.50% | 1.76% | Marcus 4.40% |
| 18 months | 4.50% | 1.76% (12 mo) | Marcus 4.40% |
| 3 years | 4.25% | 1.39% | Marcus 4.40% |
| 5 years | 4.50% | 1.41% | Marcus 4.40% |
Ally CD early withdrawal penalty
| Term | Penalty |
|---|---|
| Less than 3 months | 30 days of interest |
| 3 to 24 months | 60 days of interest |
| 25 to 36 months | 90 days of interest |
| 37 to 48 months | 120 days of interest |
| 49 months or longer | 150 days of interest |
Example: $10,000 in a 1-year CD at 4.50%, withdrawn after 6 months, has earned $222.52. The penalty is $72.36, so you would get $10,150.16.
Ally also offers an 11-month No Penalty CD (full withdrawal after the first 6 days). Official disclosure (checked 2026-11-04).
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Ally's published rule for that term.
Rates come from Ally's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Ally's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 3, 2026 · Maintained by the Financial Calculator editorial team.
Ally CD FAQs
Quick answers about Ally CD rates and penalties.
What are Ally's CD rates today?
How much will $10,000 earn in a Ally 1 year CD?
What is Ally's CD early withdrawal penalty?
Are Ally CDs insured?
How do Ally's rates compare with the national average?
CD rates at other banks
Top APY at each bank for a $10,000 deposit.
- Chase CD ratesup to 3.50%
- Wells Fargo CD ratesup to 4.25%
- Citi CD ratesup to 4.25%
- Capital One CD ratesup to 4.50%
- Marcus CD ratesup to 4.40%
- U.S. Bank CD ratesup to 3.50%
- Navy Federal CD ratesup to 4.35%
- PenFed CD ratesup to 3.50%
- CD calculator (any bank)