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Home Bank Promotions

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

Tony Jay by Tony Jay
April 21, 2025 2:17 pm CDT
in Bank Promotions
0
Earn a $300 cash bonus with BlueVine!
chase-total-checking-banner-300-2024

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.

bmo-bank-logo

TRENDING DEAL:

▶ GET A $350 CASH BONUS FOR A NEW BMO CHECKING ACCOUNT

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:

TermAPY
9 Month CD3.90%
12 Month CD3.90%
18 Month CD3.80%
3 Year CD3.50%
  • Available nationwide
  • Minimum for APY: $1
  • Maximum for APY:
Learn More at Ally Bank

TRENDING DEAL:

▶ GET UP TO 4.31% APY WITH THE UFB PORTFOLIO SAVINGS ACCOUNT

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.

Interactive Brokers Logo Click here to see why Interactive Brokers is the #1 brokerage for serious investors!

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Tony Jay

Tony Jay

Hey there! I'm Tony, a personal finance enthusiast.

If you're looking to maximize your savings, I've got you covered. From exclusive banking promotions and investing bonuses, to exciting credit card offers, I'll keep you in the loop on the hottest deals in town.

Join me here at MoneysMyLife and let's embark on this adventure together. Contact me here.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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