Earn Up To 3.90% APY: Ally Bank’s Best Online CD Account Rates (Available Nationwide)

Ally Bank is offering competitive rates for their online certificate of deposit (CD) accounts. See the current rates below.

• Update 1/19/2024: Some of the rates have changed. See updated rates below. Compare them with these competitive CD rates from Barclays.
• Update 12/19/2023: Some of the term lengths have changed.
• Update 11/8/2023: Some of the term lengths have increased rates.
• Update 10/4/2023: 12 and 18 month terms get slight rate increases.
• Update 7/27/2023: 9 and 12 month terms get rate increases.
• Update 7/3/2023: Rates now up to 5.00% APY.
• Update 4/17/2023: The APY rate for their 18 month CD decreased from 5.00% to 4.80%.
• Update 3/14/2023: The APY rate for their 12-month CD increased from 4.25% to 4.50%.
• Update 2/22/2023: The APY rate for their 18 month CD increased from 4.25% to 5.00%
• Update 2/7/2023: The APY rate for the 12 month CD increased from 4.15% to 4.25%.

Quick Facts:

• Ally Bank offers some of the best nationwide rates for its Money Market and Certificate of Deposit (CDs) accounts.
• CDs are available in term lengths ranging from 3 months to 5 years.
• CDs can be opened online with no minimum deposit required.
• Ally Bank is an internet-only bank based in Utah and offers a wide variety of deposit accounts, as well as auto financing services.

See the Posts History below for all Ally Bank offers.

READ MORE: GET TOP OFFERS FROM CHASE, AXOS, AND BMO.

Ally Bank Online CD Account Details

Ally Bank CD accounts are available with terms ranging from 3 months to 5 years.

Here is a table with the current rates for the most popular CD terms offered by Ally Bank:

Term	APY
9 Month CD	3.90%
12 Month CD	3.90%
18 Month CD	3.80%
3 Year CD	3.50%

• Available nationwide
• Minimum for APY: $1
• Maximum for APY:

READ MORE: COMPARE WITH THE NATION’S BEST CD RATES

Account Features

• There’s no minimum deposit required to open your account.
• They don’t charge any monthly maintenance fees.
• With the Ally Ten Day Best Rate Guarantee, you’ll be guaranteed a higher rate if they go up within 10 days of account opening. This also applies upon renewal.
• Your money grows with interest compounded daily.
• They’re currently giving a 0.05% Loyalty Reward when you renew your CD.

Posts History for Ally Bank:

• Ally Bank Referral & $100 Welcome Bonus – Ends 12/31/25
• Ally Invest $100 Bonus for Self-Directed Trading Account [Targeted]
• Best Socially Responsible & Ethical Banks January 2025
• Ally Bank Money Market Account Earns 3.85% APY (Nationwide)
• Ally Bank Referral Promotion: Get $50, Give $125 Sign Up Bonus – Ended
• Ally “Saving for That Ad” Sweepstakes (Win Prizes Up to $65,000!) – Ends 2/15/24
• Ally Bank Bonus: $100 Checking Bonus From Swagbucks
• Ally Bank Checking/Savings Account $250 Bonus Promo Code ALLYAUTO1 Auto Loan Customers (Nationwide) – Ends 12/31/23
• Ally Bank Checking Account $200 Bonus Offer (Nationwide) – Ended
• Ally Bank Savings Account Up To $500 Bonus (Nationwide) – Ended
• Ally Credit Cards Launch: Unlimited Cash Back, Everyday Cash Back, Platinum Mastercard

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.