Build-verified every 12 hours

Safe Money Club

Principal-protected rates, with the catches beside the numbers.

We track official U.S. Treasury, bank, credit-union, FDIC, and NCUA evidence. Geography, state limits, membership, new-money rules, minimums, lockups, insurance caps, and tax treatment stay visible. If eligibility is unclear, the row cannot quietly rank.

“Safe” is conditional. Deposit principal is protected only inside FDIC or NCUA rules. Treasury principal protection assumes holding to maturity. A variable savings rate is not guaranteed, and selling a marketable Treasury early can lose money.

Last successful buildAug 11, 2026, 3:13 PM UTC

Official adapters14/14 passed

Next build dueAug 12, 2026, 3:13 AM UTC

Official updates ≤ 7 days65 rows

Inside 12-hour window

Grouped by type · highest rate first

Rate board

“Best” means best among the deterministic official sources currently tracked—not the whole market. APYs, I bond composite rates, and auction yields are not apples-to-apples.

White Plains rate screen

Top five overall

Five highest rough after-tax rates among Verified current rows, using the editable White Plains preset below. This is a rate-only screen: exact product type, term, access, eligibility, and protection conditions still matter.

Verified current rows sorted by rough after-tax rate for the editable White Plains preset
Rank	Product	Product type + term	Headline	White Plains rough after-tax	Rate status
#1	Series I savings bondU.S. Treasury	Series I savings bonds30 yr; access after 12 mo	4.260%composite rate	≈ 3.24%rough after-tax rate	Verified current
#2	18-month CDBread Savings / Comenity Capital Bank	CDs + share certificates18 mo	4.500%APY	≈ 3.15%rough after-tax rate	Verified current
#3	36-month CDPopular Direct / Popular Bank	CDs + share certificates3 yr	4.500%APY	≈ 3.15%rough after-tax rate	Verified current
#4	48-month CDPopular Direct / Popular Bank	CDs + share certificates4 yr	4.500%APY	≈ 3.15%rough after-tax rate	Verified current
#5	60-month CDPopular Direct / Popular Bank	CDs + share certificates5 yr	4.500%APY	≈ 3.15%rough after-tax rate	Verified current

Quick comparison

Top rates by product type

Up to three highest official headline rates in each exact product type. Product names and rates open the official source. The rough after-tax line uses the editable White Plains preset below; eligibility, access, and protection conditions still apply.

High-yield savings

2 shown

Online high-yield money market3.800%CFG Bank≈ 2.66% rough after-tax rateEligibility gap
Interest Savings3.750%Bask Bank / Texas Capital Bank≈ 2.63% rough after-tax rateVerified current

CDs + share certificates

3 shown

18-month CD4.500%Bread Savings / Comenity Capital Bank≈ 3.15% rough after-tax rateVerified current
36-month CD4.500%Popular Direct / Popular Bank≈ 3.15% rough after-tax rateVerified current
48-month CD4.500%Popular Direct / Popular Bank≈ 3.15% rough after-tax rateVerified current

Series I savings bonds

1 shown

Series I savings bond4.260%U.S. Treasury≈ 3.24% rough after-tax rateVerified current

Treasury bills

3 shown

52-week Treasury bill4.054%U.S. Treasury≈ 3.08% rough after-tax rateAuction reference
26-week Treasury bill3.960%U.S. Treasury≈ 3.01% rough after-tax rateAuction reference
13-week Treasury bill3.823%U.S. Treasury≈ 2.91% rough after-tax rateAuction reference

Treasury notes

3 shown

10-year Treasury note4.580%U.S. Treasury≈ 3.48% rough after-tax rateAuction reference
5-year Treasury note4.408%U.S. Treasury≈ 3.35% rough after-tax rateAuction reference
2-year Treasury note4.315%U.S. Treasury≈ 3.28% rough after-tax rateAuction reference

Treasury bonds

2 shown

20-year Treasury bond5.163%U.S. Treasury≈ 3.92% rough after-tax rateAuction reference
30-year Treasury bond5.058%U.S. Treasury≈ 3.84% rough after-tax rateAuction reference

Product

Access horizon

Official updates

Tax treatment

Amount to placeFederal marginal rate %NY State marginal rate %

White Plains, Westchester County preset. Starts at 24% federal + 5.9% New York State. No city resident income tax is added because New York's local resident income-tax add-ons apply to New York City and Yonkers. Edit both rates for your filing status and taxable income. See the 2026 New York tax schedule and local income-tax rules. Estimates omit deductions, federal-deferral timing, and personal circumstances.

Showing 120 of 120 tracked rows. Each product type is separate and sorted by official headline rate, highest to lowest.

High-yield savings

Variable-rate deposit accounts with no fixed maturity.

2 rows · highest to lowest

High-yield savings: official headline rates sorted highest to lowest, with eligibility, tax, and source evidence beside every return
Product	Rate	Last 7 days	Term + access	Principal protection	Eligibility + conditions	Tax + White Plains comparison	Minimum + amount check	Official evidence
Online high-yield money marketCFG BankEligibility gapVariable rate	3.800%APY	Official update ≤ 7d7-day avg: 3.800%Safe Money Club build history (3 checks in 7 days)No change vs prior build	No fixed termVariable-rate cash account. No checks or debit card; external transfers are capped at $5,000 daily and $30,000 per rolling 30 days.	FDIC-insured CFG Bank depositCoverage applies only within FDIC limits across all CFG Bank deposits in the same ownership category.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Confirm state availability before applying The official rate page does not publish a nationwide or state-by-state availability list. Rates shown are for personal accounts, not business accounts. Because geography is unconfirmed, CFG rows are evidence only and are not ranked. Product conditions $10 monthly fee if the daily balance falls below $1,000. Maximum initial Plaid funding is $500,000, but FDIC limits still apply.	Federal + state taxable≈ 2.66% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
Interest SavingsBask Bank / Texas Capital BankVerified currentVariable rate	3.750%APY	Official update ≤ 7d7-day avg: 3.750%Safe Money Club build history (3 checks in 7 days)No change vs prior build	No fixed termVariable-rate savings. The rate can change at any time; fund within 15 business days.	FDIC-insured Texas Capital Bank depositBask Bank is a division of Texas Capital Bank. Bask balances combine with any other Texas Capital Bank deposits for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. identity and address requirements Applicant must be at least 18, a U.S. citizen or legal resident, and have a valid U.S. TIN and residential address. Funding deadlines and minimums differ by product. No state-only restriction was found in the reviewed account agreement; confirm eligibility during application. Product conditions No minimum balance requirement and no monthly account fee.	Federal + state taxable≈ 2.63% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	No minimumAmount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment

CDs + share certificates

Bank CDs and credit-union share certificates, compared only with each other.

108 rows · highest to lowest

CDs + share certificates: official headline rates sorted highest to lowest, with eligibility, tax, and source evidence beside every return
Product	Rate	Last 7 days	Term + access	Principal protection	Eligibility + conditions	Tax + White Plains comparison	Minimum + amount check	Official evidence
18-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.500%APY	Official update ≤ 7d7-day avg: 4.500%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. Closing early costs 180 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 3.15% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month CDPopular Direct / Popular BankVerified currentFixed to maturity	4.500%APY	Effective Aug 3, 20267-day avg: 4.500%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 3.15% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
48-month CDPopular Direct / Popular BankVerified currentFixed to maturity	4.500%APY	Effective Aug 3, 20267-day avg: 4.500%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 3.15% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month CDPopular Direct / Popular BankVerified currentFixed to maturity	4.500%APY	Effective Aug 3, 20267-day avg: 4.500%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 3.15% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month CDPopular Direct / Popular BankVerified currentFixed to maturity	4.450%APY	Effective Aug 3, 20267-day avg: 4.450%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 3.12% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
9-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.400%APY	Official update ≤ 7d7-day avg: 4.400%Safe Money Club build history (3 checks in 7 days)No change vs prior build	9 moFixed through maturity. Closing early costs 90 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 3.08% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
13-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	4.400%APY	Official update ≤ 7d7-day avg: 4.400%Safe Money Club build history (3 checks in 7 days)No change vs prior build	13 moFixed through maturity. Full early closure costs 180 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 3.08% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
49-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.400%APY	Effective Aug 1, 20267-day avg: 4.400%Safe Money Club build history (3 checks in 7 days)No change vs prior build	49 moFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership + $10k new funds by Aug 31, 2026 NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. $10,000 must come from an external source during the published funding window. Product conditions Dividends are compounded and credited monthly. Requires $10,000 in new external funds deposited by Aug 31, 2026. Renews to a standard 48-month certificate unless instructed otherwise.	Federal + state taxable≈ 3.08% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.380%APY	Effective Aug 1, 20267-day avg: 4.380%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	NASA Federal membership required NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. Product conditions Dividends are compounded and credited monthly.	Federal + state taxable≈ 3.07% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
15-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.350%APY	Effective Aug 1, 20267-day avg: 4.350%Safe Money Club build history (3 checks in 7 days)No change vs prior build	15 moFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership + $10k new funds by Aug 31, 2026 NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. $10,000 must come from an external source during the published funding window. Product conditions Dividends are compounded and credited monthly. Requires $10,000 in new external funds deposited by Aug 31, 2026. Renews to a standard 12-month certificate unless instructed otherwise.	Federal + state taxable≈ 3.05% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month CDPopular Direct / Popular BankVerified currentFixed to maturity	4.350%APY	Effective Aug 3, 20267-day avg: 4.350%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 3.05% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month CDSallie Mae BankVerified currentFixed to maturity	4.350%APY	Official update ≤ 7d7-day avg: 4.350%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Withdrawing principal early costs 180 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 3.05% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month CDSallie Mae BankVerified currentFixed to maturity	4.350%APY	Official update ≤ 7d7-day avg: 4.350%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Withdrawing principal early costs 180 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 3.05% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
9-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.300%APY	Effective Aug 1, 20267-day avg: 4.300%Safe Money Club build history (3 checks in 7 days)No change vs prior build	9 moFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership + $10k new funds by Aug 31, 2026 NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. $10,000 must come from an external source during the published funding window. Product conditions Dividends are compounded and credited monthly. Requires $10,000 in new external funds deposited by Aug 31, 2026. Renews to a standard 6-month certificate unless instructed otherwise.	Federal + state taxable≈ 3.01% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
11-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	4.300%APY	Official update ≤ 7d7-day avg: 4.300%Safe Money Club build history (3 checks in 7 days)No change vs prior build	11 moFixed through maturity. Full early closure costs 90 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 3.01% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDCFG BankEligibility gapFixed to maturity	4.300%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrNo withdrawal during the first 30 days. A bank early-withdrawal penalty applies after that unless the bank waives it.	FDIC-insured CFG Bank depositCoverage applies only within FDIC limits across all CFG Bank deposits in the same ownership category.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Confirm state availability before applying The official rate page does not publish a nationwide or state-by-state availability list. Rates shown are for personal accounts, not business accounts. Because geography is unconfirmed, CFG rows are evidence only and are not ranked. Product conditions No additional deposits after opening. Maximum initial funding is $500,000; FDIC limits still apply.	Federal + state taxable≈ 3.01% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month CDCFG BankEligibility gapFixed to maturity	4.300%APY	Official update ≤ 7d7-day avg: 4.257%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moNo withdrawal during the first 30 days. A bank early-withdrawal penalty applies after that unless the bank waives it.	FDIC-insured CFG Bank depositCoverage applies only within FDIC limits across all CFG Bank deposits in the same ownership category.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Confirm state availability before applying The official rate page does not publish a nationwide or state-by-state availability list. Rates shown are for personal accounts, not business accounts. Because geography is unconfirmed, CFG rows are evidence only and are not ranked. Product conditions No additional deposits after opening. Maximum initial funding is $500,000; FDIC limits still apply.	Federal + state taxable≈ 3.01% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month CDCFG BankEligibility gapFixed to maturity	4.300%APY	Official update ≤ 7d7-day avg: 4.217%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrNo withdrawal during the first 30 days. A bank early-withdrawal penalty applies after that unless the bank waives it.	FDIC-insured CFG Bank depositCoverage applies only within FDIC limits across all CFG Bank deposits in the same ownership category.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Confirm state availability before applying The official rate page does not publish a nationwide or state-by-state availability list. Rates shown are for personal accounts, not business accounts. Because geography is unconfirmed, CFG rows are evidence only and are not ranked. Product conditions No additional deposits after opening. Maximum initial funding is $500,000; FDIC limits still apply.	Federal + state taxable≈ 3.01% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
48-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.300%APY	Effective Aug 1, 20267-day avg: 4.300%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	NASA Federal membership required NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. Product conditions Dividends are compounded and credited monthly.	Federal + state taxable≈ 3.01% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month CDCFG BankEligibility gapFixed to maturity	4.300%APY	Official update ≤ 7d7-day avg: 4.217%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrNo withdrawal during the first 30 days. A bank early-withdrawal penalty applies after that unless the bank waives it.	FDIC-insured CFG Bank depositCoverage applies only within FDIC limits across all CFG Bank deposits in the same ownership category.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Confirm state availability before applying The official rate page does not publish a nationwide or state-by-state availability list. Rates shown are for personal accounts, not business accounts. Because geography is unconfirmed, CFG rows are evidence only and are not ranked. Product conditions No additional deposits after opening. Maximum initial funding is $500,000; FDIC limits still apply.	Federal + state taxable≈ 3.01% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Closing early costs 180 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDPopular Direct / Popular BankVerified currentFixed to maturity	4.250%APY	Effective Aug 3, 20267-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month CDSallie Mae BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. Withdrawing principal early costs 180 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month CDSallie Mae BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Withdrawing principal early costs 180 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Closing early costs 180 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
30-month CDSallie Mae BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	30 moFixed through maturity. Withdrawing principal early costs 180 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Closing early costs 180 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.250%APY	Effective Aug 1, 20267-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	NASA Federal membership required NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. Product conditions Dividends are compounded and credited monthly.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
48-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. Closing early costs 365 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Closing early costs 365 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
120-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.250%APY	Official update ≤ 7d7-day avg: 4.250%Safe Money Club build history (3 checks in 7 days)No change vs prior build	10 yrFixed through maturity. An early principal withdrawal costs 720 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.98% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	4.200%APY	Official update ≤ 7d7-day avg: 4.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Full early closure costs 90 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 2.94% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
15-month CDSallie Mae BankVerified currentFixed to maturity	4.200%APY	Official update ≤ 7d7-day avg: 4.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	15 moFixed through maturity. Withdrawing principal early costs 180 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.94% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	4.200%APY	Official update ≤ 7d7-day avg: 4.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. Full early closure costs 180 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 2.94% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.200%APY	Effective Aug 1, 20267-day avg: 4.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	NASA Federal membership required NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. Product conditions Dividends are compounded and credited monthly.	Federal + state taxable≈ 2.94% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
48-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.200%APY	Official update ≤ 7d7-day avg: 4.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. An early principal withdrawal costs 540 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.94% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.200%APY	Official update ≤ 7d7-day avg: 4.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. An early principal withdrawal costs 540 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.94% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month CDPopular Direct / Popular BankVerified currentFixed to maturity	4.150%APY	Effective Aug 3, 20267-day avg: 4.150%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 2.91% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDBask Bank / Texas Capital BankVerified currentFixed to maturity	4.150%APY	Official update ≤ 7d7-day avg: 4.133%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. An early-withdrawal penalty may apply.	FDIC-insured Texas Capital Bank depositBask Bank is a division of Texas Capital Bank. Bask balances combine with any other Texas Capital Bank deposits for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. identity and address requirements Applicant must be at least 18, a U.S. citizen or legal resident, and have a valid U.S. TIN and residential address. Funding deadlines and minimums differ by product. No state-only restriction was found in the reviewed account agreement; confirm eligibility during application. Product conditions Fund at least $1,000 within 10 business days of account opening.	Federal + state taxable≈ 2.91% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDSallie Mae BankVerified currentFixed to maturity	4.150%APY	Official update ≤ 7d7-day avg: 4.150%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Withdrawing principal early costs 90 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.91% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month Early Savers certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.150%APY	Effective Aug 1, 20267-day avg: 4.150%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · age 23 or under NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. This product is limited to members age 23 or under. Product conditions Dividends are compounded and credited monthly. Only for members age 23 or under; balance cannot exceed $50,000. At age 24, renewal moves to the standard 12-month product or Prime Savings, depending on balance.	Federal + state taxable≈ 2.91% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$50Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.150%APY	Effective Aug 1, 20267-day avg: 4.150%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	NASA Federal membership required NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. Product conditions Dividends are compounded and credited monthly.	Federal + state taxable≈ 2.91% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month bump-rate certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.150%APY	Effective Aug 1, 20267-day avg: 4.150%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · limited-time bump rate NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. NASA Federal may change or limit this special product without notice. Product conditions Dividends are compounded and credited monthly. Includes one option to raise the APY to the then-current like-term bump rate. Limited-time product; NASA Federal may limit deposits.	Federal + state taxable≈ 2.91% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month share certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.100%APY	Effective Aug 1, 20267-day avg: 4.100%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	NASA Federal membership required NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. Product conditions Dividends are compounded and credited monthly.	Federal + state taxable≈ 2.87% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDColorado Federal Savings BankVerified currentFixed to maturity	4.100%APY	Effective Jul 16, 20267-day avg: 4.100%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Closing early costs 3 months of interest and may reduce principal.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Online individual account; no monthly maintenance, ACH, or online-account fee. Additional account terms apply at opening.	Federal + state taxable≈ 2.87% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
13-month CDSallie Mae BankVerified currentFixed to maturity	4.100%APY	Official update ≤ 7d7-day avg: 4.100%Safe Money Club build history (3 checks in 7 days)No change vs prior build	13 moFixed through maturity. Withdrawing principal early costs 180 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.87% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month bump-rate certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.100%APY	Effective Aug 1, 20267-day avg: 4.100%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · limited-time bump rate NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. NASA Federal may change or limit this special product without notice. Product conditions Dividends are compounded and credited monthly. Includes one option to raise the APY to the then-current like-term bump rate. Limited-time product; NASA Federal may limit deposits.	Federal + state taxable≈ 2.87% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24–29 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	4.100%APY	Official update ≤ 7d7-day avg: 4.100%Safe Money Club build history (3 checks in 7 days)No change vs prior build	29 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.87% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month share certificateAmerica First Credit UnionVerified currentFixed to maturity	4.100%APY	Official update ≤ 7d7-day avg: 4.100%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions The displayed APY applies to the published 60-month term. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.87% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. Full early closure costs 90 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
11-month CDSallie Mae BankVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	11 moFixed through maturity. Withdrawing principal early costs 90 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month add-on certificateNASA Federal Credit UnionVerified currentFixed to maturity	4.050%APY	Effective Aug 1, 20267-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Early-withdrawal penalties apply and may reduce earnings or principal.	NCUA-insured NASA Federal sharesNASA Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · add-on limits apply NASA Federal membership is required. Membership paths include NASA or partner affiliation, a current member’s household or family, or a complimentary one-year National Space Society affiliation. The official membership page describes national access; identity verification still applies during application. Additional deposits must follow the product’s amount and automation rules. Product conditions Dividends are compounded and credited monthly. Accepts automated additions of at least $25, up to $2,500 per month. Renews to a standard 12-month certificate unless instructed otherwise.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$250Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
13-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	13 moFixed through maturity. An early principal withdrawal costs 180 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month CDColorado Federal Savings BankVerified currentFixed to maturity	4.050%APY	Effective Jul 16, 20267-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. Closing early costs 6 months of interest and may reduce principal.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Online individual account; no monthly maintenance, ACH, or online-account fee. Additional account terms apply at opening.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18–23 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	23 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month CDBask Bank / Texas Capital BankVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 3.917%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. An early-withdrawal penalty may apply.	FDIC-insured Texas Capital Bank depositBask Bank is a division of Texas Capital Bank. Bask balances combine with any other Texas Capital Bank deposits for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. identity and address requirements Applicant must be at least 18, a U.S. citizen or legal resident, and have a valid U.S. TIN and residential address. Funding deadlines and minimums differ by product. No state-only restriction was found in the reviewed account agreement; confirm eligibility during application. Product conditions Fund at least $1,000 within 10 business days of account opening.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
30–35 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	35 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36–47 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	47 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
48–59 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	59 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Full early closure costs 180 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
84-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	7 yrFixed through maturity. An early principal withdrawal costs 540 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
96-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	8 yrFixed through maturity. An early principal withdrawal costs 720 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
108-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.050%APY	Official update ≤ 7d7-day avg: 4.050%Safe Money Club build history (3 checks in 7 days)No change vs prior build	9 yrFixed through maturity. An early principal withdrawal costs 720 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.84% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	4.000%APY	Official update ≤ 7d7-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. Closing early costs 90 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month CDColorado Federal Savings BankVerified currentFixed to maturity	4.000%APY	Effective Jul 16, 20267-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. Closing early costs 3 months of interest and may reduce principal.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Online individual account; no monthly maintenance, ACH, or online-account fee. Additional account terms apply at opening.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month CDBask Bank / Texas Capital BankVerified currentFixed to maturity	4.000%APY	Official update ≤ 7d7-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. An early-withdrawal penalty may apply.	FDIC-insured Texas Capital Bank depositBask Bank is a division of Texas Capital Bank. Bask balances combine with any other Texas Capital Bank deposits for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. identity and address requirements Applicant must be at least 18, a U.S. citizen or legal resident, and have a valid U.S. TIN and residential address. Funding deadlines and minimums differ by product. No state-only restriction was found in the reviewed account agreement; confirm eligibility during application. Product conditions Fund at least $1,000 within 10 business days of account opening.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.000%APY	Official update ≤ 7d7-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. An early principal withdrawal costs 360 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month CDColorado Federal Savings BankVerified currentFixed to maturity	4.000%APY	Effective Jul 16, 20267-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Closing early costs 6 months of interest and may reduce principal.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Online individual account; no monthly maintenance, ACH, or online-account fee. Additional account terms apply at opening.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.000%APY	Official update ≤ 7d7-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. An early principal withdrawal costs 360 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	4.000%APY	Official update ≤ 7d7-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Full early closure costs 180 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
72-month CDFirst National Bank of AmericaVerified currentFixed to maturity	4.000%APY	Official update ≤ 7d7-day avg: 4.000%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 yrFixed through maturity. An early principal withdrawal costs 540 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.80% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
11-month no-penalty CDColorado Federal Savings BankVerified currentFixed to maturity	3.950%APY	Effective May 6, 20267-day avg: 3.950%Safe Money Club build history (3 checks in 7 days)No change vs prior build	11 moNo principal withdrawal for seven days after funding. After that, the full balance can be closed without a penalty.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Partial principal withdrawals are not offered; proceeds return to the original funding account. Online individual account with no published maximum deposit.	Federal + state taxable≈ 2.77% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6–11 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	3.950%APY	Official update ≤ 7d7-day avg: 3.950%Safe Money Club build history (3 checks in 7 days)No change vs prior build	11 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.77% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDFirst National Bank of AmericaVerified currentFixed to maturity	3.950%APY	Official update ≤ 7d7-day avg: 3.950%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. An early principal withdrawal costs 180 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.77% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12–17 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	3.950%APY	Official update ≤ 7d7-day avg: 3.950%Safe Money Club build history (3 checks in 7 days)No change vs prior build	17 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.77% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	3.950%APY	Official update ≤ 7d7-day avg: 3.950%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Full early closure costs 180 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 2.77% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month CDColorado Federal Savings BankVerified currentFixed to maturity	3.950%APY	Effective Jul 16, 20267-day avg: 3.950%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Closing early costs 6 months of interest and may reduce principal.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Online individual account; no monthly maintenance, ACH, or online-account fee. Additional account terms apply at opening.	Federal + state taxable≈ 2.77% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3-month CDPopular Direct / Popular BankVerified currentFixed to maturity	3.900%APY	Effective Aug 3, 20267-day avg: 3.900%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 moFixed through maturity. Early withdrawal follows the published 89-, 120-, 270-, 365-, or 730-day simple-interest penalty bands.	FDIC-insured Popular Bank depositPopular Direct deposits combine with all Popular Bank deposits in the same ownership category for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or permanent resident · age 18+ Every owner must be at least 18 with valid identification as a U.S. citizen or permanent resident. Credit, fraud, and anti-money-laundering screening must pass. A verified external U.S. bank account is needed for funding; no state-only restriction appears in the reviewed eligibility page. Product conditions Automatically renews after the 10-day maturity grace period. The opening APY is the rate in effect when the application is finalized and funded.	Federal + state taxable≈ 2.73% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$10,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3–5 month share certificateAmerica First Credit UnionVerified currentFixed to maturity	3.900%APY	Official update ≤ 7d7-day avg: 3.900%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 moFixed through the chosen maturity. Early withdrawal costs 60 days of dividends for terms up to 12 months or 180 days for longer terms and may reduce principal.	NCUA-insured America First sharesAmerica First share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Restricted field of membership · selected regions/groups This is not a nationwide open-membership offer. Geographic paths cover listed counties or areas in Utah, Nevada, Arizona, Idaho, Oregon, New Mexico, and California. Other paths include the Utah food industry, eligible employers or associations, immediate family or household of a member, and existing membership. Use America First’s official address checker or verify a non-geographic path before applying. Product conditions Choose an exact maturity within the published range; the displayed APY applies across that range. Dividends credit monthly; certificates automatically renew with a 10-day maturity grace period.	Federal + state taxable≈ 2.73% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month CDBask Bank / Texas Capital BankVerified currentFixed to maturity	3.900%APY	Official update ≤ 7d7-day avg: 3.900%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. An early-withdrawal penalty may apply.	FDIC-insured Texas Capital Bank depositBask Bank is a division of Texas Capital Bank. Bask balances combine with any other Texas Capital Bank deposits for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. identity and address requirements Applicant must be at least 18, a U.S. citizen or legal resident, and have a valid U.S. TIN and residential address. Funding deadlines and minimums differ by product. No state-only restriction was found in the reviewed account agreement; confirm eligibility during application. Product conditions Fund at least $1,000 within 10 business days of account opening.	Federal + state taxable≈ 2.73% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month CDFirst National Bank of AmericaVerified currentFixed to maturity	3.850%APY	Official update ≤ 7d7-day avg: 3.850%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. An early principal withdrawal costs 90 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.70% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3-month CDBread Savings / Comenity Capital BankVerified currentFixed to maturity	3.800%APY	Official update ≤ 7d7-day avg: 3.800%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 moFixed through maturity. Closing early costs 90 days of simple interest and may reduce principal.	FDIC-insured Comenity Capital Bank depositBread Savings is a brand of Comenity Capital Bank. Bread and other Comenity Capital deposits combine for FDIC coverage.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. citizen or resident alien · age 18+ Applicant must be at least 18, a U.S. citizen or resident alien, and have an SSN. A physical U.S. address, not a P.O. box, is required. Only individuals may open sole or joint accounts; no state-only restriction appears in the reviewed application. Product conditions Interest accrues and compounds daily. Automatically renews unless withdrawn during the 10-day maturity grace period.	Federal + state taxable≈ 2.66% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month CDFirst National Bank of AmericaVerified currentFixed to maturity	3.800%APY	Official update ≤ 7d7-day avg: 3.800%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. An early principal withdrawal costs 180 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.66% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
48-month jumbo CDCredit One Bank, N.A.Verified currentFixed to maturity	3.800%APY	Official update ≤ 7d7-day avg: 3.800%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. Full early closure costs 180 days of interest and may reduce principal; partial principal withdrawals are not allowed.	FDIC-insured Credit One Bank depositAll Credit One Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. adult + $100k jumbo minimum Every owner must be a U.S. citizen or legal permanent resident, age 18+, with an SSN and physical U.S. address. Accounts are online-only and for personal, family, or household use; minors, trusts, and fiduciaries are excluded. Opening funding must be an ACH from another bank deposit account or an internal transfer, subject to identity verification. Product conditions The 10-day rate guarantee applies after opening and initiating funding. Automatically renews unless changed before maturity or during the 10-day grace period.	Federal + state taxable≈ 2.66% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$100,000Below $100,000 minimum	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month CDColorado Federal Savings BankVerified currentFixed to maturity	3.800%APY	Effective Jul 16, 20267-day avg: 3.800%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Closing early costs 6 months of interest and may reduce principal.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Online individual account; no monthly maintenance, ACH, or online-account fee. Additional account terms apply at opening.	Federal + state taxable≈ 2.66% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.760%APY	Effective Jun 16, 20267-day avg: 3.760%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. Closing early costs 180 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.64% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
7-month share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.760%APY	Effective Jun 29, 20267-day avg: 3.760%Safe Money Club build history (3 checks in 7 days)No change vs prior build	7 moFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Dividends compound and credit monthly; the certificate automatically renews unless the member gives instructions.	Federal + state taxable≈ 2.64% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
1-year share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.760%APY	Effective Jun 29, 20267-day avg: 3.760%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Dividends compound and credit monthly; the certificate automatically renews unless the member gives instructions.	Federal + state taxable≈ 2.64% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
2-year jumbo share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.710%APY	Effective Jun 29, 20267-day avg: 3.710%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Jumbo certificates accept new or existing money, have no published maximum, and renew at the standard certificate rate.	Federal + state taxable≈ 2.60% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$0Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
2-year share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.710%APY	Effective Jun 29, 20267-day avg: 3.710%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Dividends compound and credit monthly; the certificate automatically renews unless the member gives instructions.	Federal + state taxable≈ 2.60% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3-year jumbo share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.710%APY	Effective Jun 29, 20267-day avg: 3.710%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Jumbo certificates accept new or existing money, have no published maximum, and renew at the standard certificate rate.	Federal + state taxable≈ 2.60% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$0Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
12-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.670%APY	Effective Jun 16, 20267-day avg: 3.670%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Closing early costs 180 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.57% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3-year share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.660%APY	Effective Jun 29, 20267-day avg: 3.660%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Dividends compound and credit monthly; the certificate automatically renews unless the member gives instructions.	Federal + state taxable≈ 2.57% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
4-year jumbo share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.660%APY	Effective Jun 29, 20267-day avg: 3.660%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Jumbo certificates accept new or existing money, have no published maximum, and renew at the standard certificate rate.	Federal + state taxable≈ 2.57% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$0Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3-month CDColorado Federal Savings BankVerified currentFixed to maturity	3.650%APY	Effective Jul 16, 20267-day avg: 3.650%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 moFixed through maturity. Closing early costs 1 month of interest and may reduce principal.	FDIC-insured Colorado Federal Savings Bank depositAll Colorado Federal Savings Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Nationwide online · individuals only Colorado Federal advertises nationwide banking solutions and accepts deposit applications only through its secure website. The application requires an SSN, date of birth, ID information, physical address, email, and funding-account information. Online CDs are for natural individuals, not businesses, trusts, IRAs, or nonprofits; international account access is unavailable. Product conditions Online individual account; no monthly maintenance, ACH, or online-account fee. Additional account terms apply at opening.	Federal + state taxable≈ 2.56% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$5,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
4-year share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.610%APY	Effective Jun 29, 20267-day avg: 3.610%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Dividends compound and credit monthly; the certificate automatically renews unless the member gives instructions.	Federal + state taxable≈ 2.53% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
5-year jumbo share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.610%APY	Effective Jun 29, 20267-day avg: 3.610%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Jumbo certificates accept new or existing money, have no published maximum, and renew at the standard certificate rate.	Federal + state taxable≈ 2.53% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$0Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3-month CDFirst National Bank of AmericaVerified currentFixed to maturity	3.600%APY	Official update ≤ 7d7-day avg: 3.600%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 moFixed through maturity. An early principal withdrawal costs 90 days of interest and may reduce principal.	FDIC-insured First National Bank of America depositAll First National Bank of America deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	National online CD · identity review The official CD selector offers a National option alongside the bank’s Michigan branch regions. The online flow supports personal CDs; trusts, businesses, estates, powers of attorney, custodial accounts, HSAs, and IRAs cannot use that flow. Funding must come by ACH from a checking or savings account, and the application remains subject to identity review. Product conditions The opening rate is fixed for the CD term. Online CDs have no monthly fee; deposits over $1 million require a rate quote.	Federal + state taxable≈ 2.52% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
1-year jumbo share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.560%APY	Effective Jun 29, 20267-day avg: 3.560%Safe Money Club build history (3 checks in 7 days)No change vs prior build	1 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Jumbo certificates accept new or existing money, have no published maximum, and renew at the standard certificate rate.	Federal + state taxable≈ 2.50% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$0Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
5-year share certificateLafayette Federal Credit UnionVerified currentFixed to maturity	3.560%APY	Effective Jun 29, 20267-day avg: 3.560%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Early-withdrawal penalties may apply; confirm the account disclosure before funding.	NCUA-insured Lafayette Federal sharesLafayette Federal share certificates and other shares aggregate under NCUA ownership-category rules.Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government	Membership required · nationwide $10 path A person living anywhere in the United States can qualify through automatic Home Ownership Financial Literacy Council enrollment during account opening. That nationwide path has a one-time $10 HOFLC fee; employer, local-area, and immediate-family paths may also apply. A separate Lafayette Federal share-savings account must maintain at least $50 in addition to the certificate minimum. Product conditions Membership and a separate $50 share-savings balance are required. Dividends compound and credit monthly; the certificate automatically renews unless the member gives instructions.	Federal + state taxable≈ 2.50% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
48-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.450%APY	Effective Jun 16, 20267-day avg: 3.450%Safe Money Club build history (3 checks in 7 days)No change vs prior build	4 yrFixed through maturity. Closing early costs 360 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.42% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
60-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.450%APY	Effective Jun 16, 20267-day avg: 3.450%Safe Money Club build history (3 checks in 7 days)No change vs prior build	5 yrFixed through maturity. Closing early costs 360 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.42% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
18-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.380%APY	Effective Jun 16, 20267-day avg: 3.380%Safe Money Club build history (3 checks in 7 days)No change vs prior build	18 moFixed through maturity. Closing early costs 180 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.37% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
24-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.300%APY	Effective Jun 16, 20267-day avg: 3.300%Safe Money Club build history (3 checks in 7 days)No change vs prior build	2 yrFixed through maturity. Closing early costs 360 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.31% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
36-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.300%APY	Effective Jun 16, 20267-day avg: 3.300%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 yrFixed through maturity. Closing early costs 360 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.31% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
6-month CDSallie Mae BankVerified currentFixed to maturity	3.200%APY	Official update ≤ 7d7-day avg: 3.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	6 moFixed through maturity. Withdrawing principal early costs 90 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.24% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
9-month CDSallie Mae BankVerified currentFixed to maturity	3.200%APY	Official update ≤ 7d7-day avg: 3.200%Safe Money Club build history (3 checks in 7 days)No change vs prior build	9 moFixed through maturity. Withdrawing principal early costs 90 days of simple interest.	FDIC-insured Sallie Mae Bank depositAll Sallie Mae Bank deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	U.S. physical address + identity review The primary owner must meet the age of majority and have a physical U.S. address. A valid taxpayer identification number and identity verification are required. No state-only restriction appears in the reviewed terms; the bank may still decline an application it cannot verify. Product conditions No additional deposits before maturity. Automatically renews unless changed during the 10-day maturity grace period.	Federal + state taxable≈ 2.24% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$2,500Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
3-month CDFirst Internet Bank of IndianaVerified currentFixed to maturity	3.140%APY	Effective Jun 16, 20267-day avg: 3.140%Safe Money Club build history (3 checks in 7 days)No change vs prior build	3 moFixed through maturity. Closing early costs 90 days interest; a withdrawal may reduce earnings.	FDIC-insured First Internet Bank depositAll First Internet Bank of Indiana deposits in the same ownership category combine when applying FDIC limits.$250,000 per depositor, per insured bank, per ownership category, including principal and accrued interest	Customers in all 50 states · identity review Official bank materials say its consumer deposit services, including CDs, serve customers in all 50 states. The published online-account checklist calls for government photo ID, an SSN or ITIN, a current mailing address, and an opening deposit. The bank still confirms identity and account availability during the online application. Product conditions Interest compounds and credits monthly. No monthly maintenance fee; the CD is managed through online or mobile banking.	Federal + state taxable≈ 2.20% rough after-tax rateInterest is generally subject to federal, state, and local income tax.	$1,000Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment

Series I savings bonds

U.S. savings bonds with a composite rate that resets every six months.

1 row · highest to lowest

Series I savings bonds: official headline rates sorted highest to lowest, with eligibility, tax, and source evidence beside every return
Product	Rate	Last 7 days	Term + access	Principal protection	Eligibility + conditions	Tax + White Plains comparison	Minimum + amount check	Official evidence
Series I savings bondU.S. TreasuryVerified currentResets every 6 months	4.260%composite rate	Effective May 1, 20267-day avg: 4.260%Safe Money Club build history (3 checks in 7 days)No change vs prior build	30 yr; access after 12 moCannot redeem for 12 months. Redemption before five years forfeits the last three months of interest; no penalty after five years.	Direct obligation of the U.S. TreasuryCannot be sold on a market. Treasury redemption rules protect principal but restrict access and can reduce interest.$10,000 electronic purchase limit per Social Security number per calendar year	TreasuryDirect U.S. account requirements An individual account requires a valid Social Security number, U.S. address, and U.S. bank account. Electronic purchases are capped at $10,000 per Social Security number each calendar year. Product conditions The 4.26% composite rate includes a 0.90% fixed component. The composite rate applies for the first six months after issue, then resets with inflation every six months. The rate is annualized and is not directly interchangeable with a bank CD APY.	State-exempt · federal deferral≈ 3.24% rough after-tax rate≈ 4.62% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax; federal tax can generally be deferred until redemption.	$25Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment

Treasury bills

Marketable Treasury securities with original terms of one year or less.

4 rows · highest to lowest

Treasury bills: official headline rates sorted highest to lowest, with eligibility, tax, and source evidence beside every return
Product	Rate	Last 7 days	Term + access	Principal protection	Eligibility + conditions	Tax + White Plains comparison	Minimum + amount check	Official evidence
52-week Treasury billU.S. TreasuryAuction referenceFixed to maturity	4.054%investment rateNext auction rate is unknown	Effective Aug 4, 20267-day avg: 4.054%Official completed auctions in the prior 7 days (1)No change vs prior build	1 yrPays face value at 52-week maturity. TreasuryDirect securities cannot be transferred for 45 days after issue.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 3.08% rough after-tax rate≈ 4.40% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
26-week Treasury billU.S. TreasuryAuction referenceFixed to maturity	3.960%investment rateNext auction rate is unknown	Official update ≤ 7d7-day avg: 3.960%Official completed auctions in the prior 7 days (1)No change vs prior build	6 moPays face value at 26-week maturity. TreasuryDirect securities cannot be transferred for 45 days after issue.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 3.01% rough after-tax rate≈ 4.29% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
13-week Treasury billU.S. TreasuryAuction referenceFixed to maturity	3.823%investment rateNext auction rate is unknown	Official update ≤ 7d7-day avg: 3.823%Official completed auctions in the prior 7 days (1)No change vs prior build	3 moPays face value at 13-week maturity. TreasuryDirect securities cannot be transferred for 45 days after issue.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 2.91% rough after-tax rate≈ 4.14% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
4-week Treasury billU.S. TreasuryAuction referenceFixed to maturity	3.701%investment rateNext auction rate is unknown	Official update ≤ 7d7-day avg: 3.701%Official completed auctions in the prior 7 days (1)No change vs prior build	1 moPays face value at 4-week maturity. TreasuryDirect securities cannot be transferred for 45 days after issue.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 2.81% rough after-tax rate≈ 4.01% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment

Treasury notes

Marketable Treasury securities with original terms of two to ten years.

3 rows · highest to lowest

Treasury notes: official headline rates sorted highest to lowest, with eligibility, tax, and source evidence beside every return
Product	Rate	Last 7 days	Term + access	Principal protection	Eligibility + conditions	Tax + White Plains comparison	Minimum + amount check	Official evidence
10-year Treasury noteU.S. TreasuryAuction referenceFixed to maturity	4.580%high yieldNext auction rate is unknown	Effective Jul 8, 20267-day avg: not availableOfficial completed auctions in the prior 7 days (0)No change vs prior build	10 yrPays interest every six months and principal at 10-year maturity. Principal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 3.48% rough after-tax rate≈ 4.97% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
5-year Treasury noteU.S. TreasuryAuction referenceFixed to maturity	4.408%high yieldNext auction rate is unknown	Effective Jul 27, 20267-day avg: not availableOfficial completed auctions in the prior 7 days (0)No change vs prior build	5 yrPays interest every six months and principal at 5-year maturity. Principal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 3.35% rough after-tax rate≈ 4.78% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
2-year Treasury noteU.S. TreasuryAuction referenceFixed to maturity	4.315%high yieldNext auction rate is unknown	Effective Jul 27, 20267-day avg: not availableOfficial completed auctions in the prior 7 days (0)No change vs prior build	2 yrPays interest every six months and principal at 2-year maturity. Principal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 3.28% rough after-tax rate≈ 4.68% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment

Treasury bonds

Marketable Treasury securities with original terms longer than ten years.

2 rows · highest to lowest

Treasury bonds: official headline rates sorted highest to lowest, with eligibility, tax, and source evidence beside every return
Product	Rate	Last 7 days	Term + access	Principal protection	Eligibility + conditions	Tax + White Plains comparison	Minimum + amount check	Official evidence
20-year Treasury bondU.S. TreasuryAuction referenceFixed to maturity	5.163%high yieldNext auction rate is unknown	Effective Jul 22, 20267-day avg: not availableOfficial completed auctions in the prior 7 days (0)No change vs prior build	20 yrPays interest every six months and principal at 20-year maturity. Principal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 3.92% rough after-tax rate≈ 5.60% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment
30-year Treasury bondU.S. TreasuryAuction referenceFixed to maturity	5.058%high yieldNext auction rate is unknown	Effective Jul 9, 20267-day avg: not availableOfficial completed auctions in the prior 7 days (0)No change vs prior build	30 yrPays interest every six months and principal at 30-year maturity. Principal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	Direct obligation of the U.S. TreasuryPrincipal and stated interest are protected only when held to maturity. A sale before maturity can return less than you paid.	TreasuryDirect U.S. account requirements An individual TreasuryDirect account requires a valid Social Security number, U.S. address, and U.S. bank account. The account owner must be at least 18 and legally competent. Broker eligibility, pricing, and fees can differ. Product conditions This is the latest completed auction, not a rate guaranteed for the next purchase. A noncompetitive TreasuryDirect bid accepts the auction result; the rate is unknown before the auction closes.	State/local exempt≈ 3.84% rough after-tax rate≈ 5.48% fully taxable equivalentInterest is federally taxable but exempt from state and local income tax.	$100Amount passes published min/cap check	Official rate Eligibility terms Protection record Protection rules Tax treatment

Match the instrument to the date

Strategy ideas

Rate chasing is secondary to access timing, protection limits, eligibility, and taxes.

Money needed this month

Keep it in insured cash, inside the correct ownership-category cap. The principal can be protected while the rate remains variable.

Known date within a year

Match CD or Treasury bill maturities to the spending date. A ladder reduces reinvestment timing risk; never assume the next auction will repeat the last yield.

One to five years

Stagger maturities across CDs and Treasuries. Stay inside aggregate bank coverage and plan to hold marketable Treasuries to maturity.

Inflation reserve

I bonds can fit money untouched for at least 12 months. Budget around the annual purchase cap and the three-month interest penalty before year five.

Compare after tax

Treasury interest is exempt from state and local income tax. In a high-tax state, a lower Treasury yield can beat a higher fully taxable bank APY after tax; use the estimator as a rough screen, then verify with a tax professional.

Showdown-style publishing

All research happens in the build

No visitor request scrapes a bank, calls an AI model, or changes the rate board.

FetchOfficial, deterministic source adapters only
VerifyRate + protection + eligibility + tax evidence
ComparePrior builds, official 7-day auction averages, and changes
PublishOne immutable static snapshot; old build survives failure

Fail-closed rules

Any source, protection check, or parser failure stops the complete build.
Unknown geography or residency availability makes an offer unranked.
Latest Treasury auctions are references, never promises about the next auction.
The 7-day average names its sample count and evidence basis.

Not in the protected table

Bond funds, money-market mutual funds, corporate and municipal bonds, brokered products with unclear coverage, equities, crypto, and annuities are excluded from this first protected-rate universe. “Low risk” is not the same as principal protection.

Source ledger

Adapter	Checked	Effective	Build result
Treasury Fiscal Data auction results	Aug 11, 2026, 3:13 PM UTC	Aug 10, 2026	Latest completed auctions parsed. Results are references; next-auction rates are unknown.
TreasuryDirect Series I savings bonds	Aug 11, 2026, 3:13 PM UTC	May 1, 2026	Current composite rate parsed for bonds issued through 2026-10-31.
CFG Bank rates + FDIC BankFind	Aug 11, 2026, 3:13 PM UTC	Aug 10, 2026	Rates parsed; FDIC certificate 34294 active. Geography is not stated, so offers stay unranked.
Bask Bank rates + Texas Capital Bank FDIC record	Aug 11, 2026, 3:13 PM UTC	Aug 10, 2026	Rates parsed; Texas Capital Bank FDIC certificate 34383 active.
Sallie Mae CDs + terms + FDIC BankFind	Aug 11, 2026, 3:13 PM UTC	Aug 11, 2026	Parsed 11 CD terms; FDIC certificate 58177 active.
Bread Savings product data + Comenity Capital Bank FDIC record	Aug 11, 2026, 3:13 PM UTC	Aug 11, 2026	Parsed 9 personal CD terms; FDIC certificate 57570 active.
Popular Direct CDs + eligibility + Popular Bank FDIC record	Aug 11, 2026, 3:13 PM UTC	Aug 3, 2026	Parsed 8 CD terms; FDIC certificate 34967 active.
NASA Federal certificate rates + membership + NCUA evidence	Aug 11, 2026, 3:13 PM UTC	Aug 1, 2026	Parsed 13 certificate terms, including 3 open new-money specials.
FNBA national CD table + terms + FDIC BankFind	Aug 11, 2026, 3:13 PM UTC	Aug 11, 2026	Parsed 14 national CD terms; FDIC certificate 17438 active.
First Internet Bank CDs + national eligibility + FDIC BankFind	Aug 11, 2026, 3:13 PM UTC	Jun 16, 2026	Parsed 8 online CD terms; FDIC certificate 34607 active.
Colorado Federal CDs + national application terms + FDIC BankFind	Aug 11, 2026, 3:13 PM UTC	May 6, 2026	Parsed 8 CD terms, including one no-penalty term; FDIC certificate 33111 active.
Credit One jumbo CDs + deposit agreement + FDIC BankFind	Aug 11, 2026, 3:13 PM UTC	Aug 6, 2026	Parsed 9 jumbo CD terms; FDIC certificate 25620 active.
America First certificates + restricted membership field + NCUA evidence	Aug 11, 2026, 3:13 PM UTC	Aug 5, 2026	Parsed 9 certificate term ranges; restricted geography and membership paths attached to every row.
Lafayette Federal certificates + nationwide membership + NCUA evidence	Aug 11, 2026, 3:13 PM UTC	Jun 29, 2026	Parsed 11 fixed regular and jumbo certificate terms; variable and IRA duplicates excluded.

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