- Editor Rating
- Rated 4.5 stars
- Outstanding
- Barclays Savings & CDs
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Barclays Bank has great Savings and CD account options that are very competitive in the market.
Barclays Bank is an FDIC insured London based institution founded in 1690. The bank, driven by its core values – respect, integrity, service, excellence and stewardship – now serves millions of clients across the world.
Americans have participated in its credit card program for several years and now can take advantage of their online savings accounts and certified deposits (CDs).
*Be sure to see our Bank Promotions page for the best sign-up bonuses offered by the nation’s biggest banks.
Barclays Online CD Special Rates
Barclays offers fixed savings rates for its CDs. Similar to the online savings account, clients don’t have to worry about maintenance fees or keeping a minimum balance. Barclays actually has some of the best CD rates currently.
Clients can choose from nine term length options starting as short as three months and as long as five years. The longer length of time you choose, the higher APY rate.
As you can see from the table below, the longest terms have the best rates.
| Barclays Online CD Rates | |
| Term | APY |
| 3 Month CD | 0.35% |
| 6 Month CD | 0.65% |
| 9 Month CD | 0.70% |
| 12 Month CD | 2.20% |
| 18 Month CD | 2.25% |
| 24 Month CD | 2.30% |
| 36 Month CD | 2.35% |
| 48 Month CD | 2.45% |
| 60 Month CD | 2.80% |
| *Our team updates these rates daily, but always check for updates directly with the bank. | |
30 days before your account matures, you’ll receive an email notification from Barclays. Once your CD matures, you can automatically renew your account at the current interest rate and APY in effect at the point of maturity or make a withdraw of your funds without penalties (14 day grace period).
Each month, clients are able to either keep the newly gained interest in their CD accounts or move those funds into an external account or Barclays Online Savings Account.
CIT Bank, EverBank and Popular Direct consistently offer good rates.
- Synchrony Bank Online Savings, CD, Money Market Promotions
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
- Popular Direct Online Savings And CD Account Promotions
- Barclays Bank Promotions: Savings And CD Account Offers, Bonuses
- Virtual Bank Checking, Money Market, CD Promotions & Offers
- Live Oak Bank Online Savings And CD Offers, Promotions
- Ally Bank Online Checking, Savings, CD, Investing Promotions
- Crestmark Bank Online CD Account Promotions Available Nationwide
- Salem Five Bank Checking, Savings, CD Promotions
MoneysMyLife Top Offer Picks  With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
 Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review  Earn 75,000 miles each year (worth $750) if you spend $25,000 on purchases with the Barclays Arrival® Premier World Elite Mastercard®. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review |
CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. 
Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. 
Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Barclays Online Savings Account 1.65% APY
One advantage of opening an online savings account with Barclays is the ability to link the account to three checking or savings accounts at other institutions. That means having the ability to withdraw or transfer funds between one bank to another from your computer or smartphone. It takes 2 to 3 business days to transfer the funds.
During one statement cycle, clients can withdraw funds up to 6 times without having to pay fees.
The online savings account has an APY rate of 1.65%. As soon as you deposit funds into the account, they start earning interest. You also have the option of direct deposit. Other pros of opening this account include:
- Barclays allows clients to have up to 25 accounts
- No requirement of minimum balance to open
- No limits on monthly deposits
- No monthly maintenance fees
Other Fees
While clients don’t have to worry about keeping a high balance, there are a few ways that one can incur fees.
- If you opt to receive your statements in the mail, you’ll pay $0.50 per statement.
- If you need the bank to send printed information, Barclays will apply an express mail fee of $15 to cover rush delivery.
- After making 6 transactions, each one afterward costs $5 to process via an excessive transaction fee.
- If you have non-sufficient funds, it also incurs a $5 fee per item. This rate is considerably low in comparison to places like Wells Fargo where clients are charged $35 per item.
And like most savings accounts, the Barclays online savings account rate is subject to change.
*See our Savings/Money Market Accounts page for the best rates
Top Savings rates can usually be had with CIT Bank and HSBC Direct. Also take a look at some popular Savings account bonuses here.
- DollarSavingsDirect Online Savings & CD Account Promotions, Offers
- HSBC Bank Checking And Savings Promotions, Offers
- Chase Coupon Promo Codes: $200, $300, $350, $500 – June 2018
- Synchrony Bank Online Savings, CD, Money Market Promotions
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
- Ally Bank Online Checking, Savings, CD, Investing Promotions
- Barclays Bank Promotions: Savings And CD Account Offers, Bonuses
- Popular Direct Online Savings And CD Account Promotions
- Marcus By Goldman Sachs Online Savings & CD Offers, Promotions
- Salem Five Bank Checking, Savings, CD Promotions
Check back here for updates on promotions and offers from Barclays Bank.
*These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.