Compare CD Rates by Bank
31 head-to-head matchups between the 83 banks and credit unions we track. Each shows both banks' rates term by term, what $10,000 earns, and the early withdrawal penalties, all from verified bank data.
Updated Nov 7, 2026
All CD matchups
The 12-month APY is shown where both banks offer it, so the table compares like with like; where a bank has no 12-month CD, its best rate is shown with its term. Open a matchup for the full term-by-term table, earnings and penalties.
| Matchup | 12-mo APY (left) | 12-mo APY (right) | Compare |
|---|---|---|---|
| Capital One vs Chase | 4.45% | 0.50% rel. | Compare → |
| Capital One vs Citi | 4.45% | 4.25% | Compare → |
| Chase vs Citi | 0.50% rel. | 4.25% | Compare → |
| Chase vs PNC | 0.50% rel. | 0.02% | Compare → |
| Chase vs TD Bank | 0.50% rel. | 4.15% | Compare → |
| Chase vs U.S. Bank | 0.50% rel. | 3.40% | Compare → |
| Chase vs Wells Fargo | 0.50% rel. | 1.50% | Compare → |
| Citi vs Wells Fargo | 4.25% | 1.50% | Compare → |
| Fifth Third vs Huntington | 3.70% | 0.25% | Compare → |
| Ally vs Chase | 4.50% | 0.50% rel. | Compare → |
| Ally vs Citi | 4.50% | 4.25% | Compare → |
| Ally vs Wells Fargo | 4.50% | 1.50% | Compare → |
| Chase vs Marcus | 0.50% rel. | 4.40% | Compare → |
| Chase vs Synchrony | 0.50% rel. | 4.30% | Compare → |
| Citi vs Marcus | 4.25% | 4.40% | Compare → |
| Capital One vs Marcus | 4.45% | 4.40% | Compare → |
| Marcus vs TD Bank | 4.40% | 4.15% | Compare → |
| Marcus vs U.S. Bank | 4.40% | 3.40% | Compare → |
| Marcus vs Wells Fargo | 4.40% | 1.50% | Compare → |
| Ally vs Capital One | 4.50% | 4.45% | Compare → |
| Ally vs CIT Bank | 4.50% | 4.00% | Compare → |
| Ally vs Marcus | 4.50% | 4.40% | Compare → |
| Ally vs Synchrony | 4.50% | 4.30% | Compare → |
| American Express vs Marcus | 3.75% | 4.40% | Compare → |
| Barclays vs Marcus | 4.50% | 4.40% | Compare → |
| CIT Bank vs Marcus | 4.00% | 4.40% | Compare → |
| Marcus vs Sallie Mae | 4.40% | 4.60% | Compare → |
| Marcus vs Synchrony | 4.40% | 4.30% | Compare → |
| Chase vs Navy Federal | 0.50% rel. | 4.05% | Compare → |
| Marcus vs Navy Federal | 4.40% | 4.05% | Compare → |
| Navy Federal vs PenFed | 4.05% | 3.60% | Compare → |
CD comparison FAQs
Quick answers on comparing CD rates between banks.
How do I compare CD rates between banks?
Are online banks' CD rates really higher than big banks'?
What else matters besides the APY?
Sources and how we calculate
Every matchup uses rates from the banks' own rate pages (most recently checked Nov 7, 2026) and penalty rules verified against official disclosures. We publish a curated set of high-interest matchups rather than every possible pair. Results are estimates, not an offer from any bank.
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.