How to Open: Open your Marcus by Goldman Sachs CD online with your Social Security number, date of birth, U.S. Keep reading to find out why these are the best CD accounts of the year. Here are the best CD account providers of 2018 according to the GOBankingRates’ Best Banks ranking: To help you compare CD rates, GOBankingRates ranked the best bank CD accounts based on the following factors:Īll of the banks ranking in the top 10 pay higher rates than the national average, which stood at 0.28% APY for a 12-month CD and 0.88% APY for a five-year CD, as of Nov. As banking is a competitive field, some banks offer higher rates than others, with the highest CD rates often found at online banks. ![]() Insured by the FDIC, CDs can be a good opportunity for savers to conservatively generate income. ![]() Certificates of deposit are a safe way to earn interest that is typically higher than interest on a checking or savings account.
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