Skip to main content

Best Bump-Up CDs Rates
Compare 18 products from 8 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top Rate:3.75% APYFDIC or NCUA Insured

Highest Rates on Bump-Up CDs

Ordered by highest APY. Showing 18 of 18 products tracked.

Top 18 CD terms from 8 banks,sorted by highest APY
#1
Farm Bureau Bank FSB

1 Year CD with Step-Up Option

Term: 12 months

3.75%
APY
Verified: Aug 16, 2026
Min Deposit

$1,000

Access

Branch access

#2
Marcus by Goldman Sachs

20-Month Rate Bump CD

Term: 20 months

3.75%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Online only

#3
Farm Bureau Bank FSB

2 Year CD with Step-Up Option

Term: 24 months

3.70%
APY
Verified: Aug 16, 2026
Min Deposit

$1,000

Access

Branch access

#4
Farm Bureau Bank FSB

18 Month CD with Step-Up Option

Term: 18 months

3.20%
APY
Verified: Aug 16, 2026
Min Deposit

$1,000

Access

Branch access

#5
Farm Bureau Bank FSB

3 Year CD with Step-Up Option

Term: 36 months

3.10%
APY
Verified: Aug 16, 2026
Min Deposit

$1,000

Access

Branch access

#6
Farm Bureau Bank FSB

4 Year CD with Step-Up Option

Term: 48 months

3.10%
APY
Verified: Aug 16, 2026
Min Deposit

$1,000

Access

Branch access

#7
Farm Bureau Bank FSB

5 Year CD with Step-Up Option

Term: 60 months

3.10%
APY
Verified: Aug 16, 2026
Min Deposit

$1,000

Access

Branch access

#8
Synchrony Bank

24 Month Bump-Up CD

Term: 24 months

3.00%
APY
Verified: Aug 21, 2026
Min Deposit

$0

Access

Online only

#9
Fifth District Savings Bank

1 Year Step CD

Term: 12 months

2.90%
APY
Verified: Aug 19, 2026
Min Deposit

$1,000

Access

Branch access

#10
Climate First Bank

15-Month Flex CD

Term: 15 months

2.68%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Branch access

#11
Fifth District Savings Bank

2 Year Step CD

Term: 24 months

2.50%
APY
Verified: Aug 19, 2026
Min Deposit

$1,000

Access

Branch access

#12
Freedom Bank

23 Month Bump-Up CD

Term: 23 months

1.80%
APY
Verified: Aug 15, 2026
Min Deposit

$500

Access

Branch access

#13
Freedom Bank

36-47 Month Bump-Up CD

Term: 36-47 months

0.65%
APY
Verified: Aug 15, 2026
Min Deposit

$500

Access

Branch access

#14
Freedom Bank

60 Month Bump-Up CD

Term: 60 months

0.65%
APY
Verified: Aug 15, 2026
Min Deposit

$500

Access

Branch access

#15
First County Bank

36 Month Bump Rate CD

Term: 36 months

0.40%
APY
Verified: Aug 21, 2026
Min Deposit

N/A

Access

Branch access

#16
First County Bank

30 Month Bump Rate CD

Term: 30 months

0.35%
APY
Verified: Aug 21, 2026
Min Deposit

N/A

Access

Branch access

#17
First County Bank

18 Month Bump Rate CD

Term: 18 months

0.30%
APY
Verified: Aug 21, 2026
Min Deposit

N/A

Access

Branch access

#18
Citibank

30-Month Step-Up CD

Term: 30 months

0.10%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Branch access