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Best No-Penalty CDs Rates
Compare 20 products from 12 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top Rate:4.15% APYFDIC or NCUA Insured

Highest Rates on No-Penalty CDs

Ordered by highest APY. Showing 20 of 20 products tracked.

Top 20 CD terms from 12 banks,sorted by highest APY
#1
Climate First Bank

12-Month CD

Term: 12 months

4.15%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Branch access

#2
Climate First Bank

6-Month CD

Term: 6 months

4.07%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Branch access

#3
Marcus by Goldman Sachs

11-Month No Penalty CD

Term: 11 months

4.00%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Online only

#4
Colorado Federal Savings Bank

11-Month CD

Term: 11 months

3.95%
APY
Verified: Aug 20, 2026
Min Deposit

$5,000

Access

Online only

#5
CIT Bank

No-Penalty 11-Month CD

Term: 11 months

3.90%
APY
Verified: Aug 20, 2026
Min Deposit

$1,000

Access

Online only

#6
Farmers & Merchants State Bank

90 Day Option CD

Term: 9 months

3.85%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Branch access

#7
Marcus by Goldman Sachs

13-Month No Penalty CD

Term: 13 months

3.80%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Online only

#8
Marcus by Goldman Sachs

7-Month No Penalty CD

Term: 7 months

3.75%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Online only

#9
First County Bank

18 Month No Penalty CD

Term: 18 months

3.65%
APY
Verified: Aug 21, 2026
Min Deposit

N/A

Access

Branch access

#10
First County Bank

11 Month No Penalty CD

Term: 11 months

3.50%
APY
Verified: Aug 21, 2026
Min Deposit

N/A

Access

Branch access

#11
First Federal Savings and Loan Association

19 Month CD (No Penalty)

Term: 19 months

3.33%
APY
Verified: Aug 19, 2026
Min Deposit

$500

Access

Branch access

#12
First Federal Savings and Loan Association

8 Month CD (No Penalty) - Interest Transferred

Term: 8 months

3.30%
APY
Verified: Aug 19, 2026
Min Deposit

$5,000

Access

Branch access

#13
Ergo Bank

12 Month Liquidity CD

Term: 12 months

3.28%
APY
Verified: Aug 16, 2026
Min Deposit

$100,000

Access

Branch access

#14
First Federal Savings and Loan Association

8 Month CD (No Penalty) - Interest Paid by Check

Term: 8 months

3.05%
APY
Verified: Aug 19, 2026
Min Deposit

$5,000

Access

Branch access

#15
Florence Bank

7 Month Easy-Out CD

Term: 7 months

3.00%
APY
Verified: Aug 19, 2026
Min Deposit

$5,000

Access

Branch access

#16
First Federal Savings and Loan Association

91 Day CD (No Penalty)

Term: 3 months

2.85%
APY
Verified: Aug 19, 2026
Min Deposit

$500

Access

Branch access

#17
Ally Bank

No-Penalty CD (11 Mo)

Term: 11 months

2.70%
APY
Verified: Aug 21, 2026
Min Deposit

$0

Access

Online only

#18
Synchrony Bank

11 Month No-Penalty CD

Term: 11 months

0.25%
APY
Verified: Aug 21, 2026
Min Deposit

$0

Access

Online only

#19
Florence Bank

17 Month Easy-Out CD

Term: 17 months

0.15%
APY
Verified: Aug 19, 2026
Min Deposit

$5,000

Access

Branch access

#20
Citibank

12-Month No-Penalty CD

Term: 12 months

0.05%
APY
Verified: Aug 21, 2026
Min Deposit

$500

Access

Branch access