Bank · FDIC insured
Ally Bank CD Rates
Top CarrotAlly Bank’s best CD rate is 4.25% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Ally Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Ally Bank
4.25%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $0
- Earns on $10,000
- $644
High Yield CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Ally Bank CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ally Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield CD
Up to 4.25%APY · 7 terms
Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAll balance tiers | 2.80% | $69 |
| 6 monthsAll balance tiers | 3.85% | $191 |
| 9 monthsAll balance tiers | 4.00% | $299 |
| 12 monthsAll balance tiers | 4.15% | $415 |
| 18 monthsAll balance tiers | 4.25% | $644 |
| 36 monthsAll balance tiers | 4.00% | $1,249 |
| 60 monthsAll balance tiers | 4.10% | $2,225 |
Select CD
Up to 4.15%APY · 2 terms
Limited-time promotional terms featuring all the benefits of a High Yield CD. Available through 03/23/27. Automatic renewal into specified term after promotion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsAll balance tiers. Loyalty reward for renewals | 3.85% | $223 |
| 14 monthsAll balance tiers. Loyalty reward for renewals | 4.15% | $486 |
Raise Your Rate CD
3.00%APY · 2 terms
Opportunity to increase rate once over the 2-year term or twice over the 4-year term if rate for term and balance tier goes up. Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAvailable in 2-year term. Opportunity to increase rate once over the 2-year term if our rate for your term and balance tier goes up | 3.00% | $609 |
| 48 monthsAvailable in 4-year term. Opportunity to increase rate twice over the 4-year term if our rate for your term and balance tier goes up | 3.00% | $1,255 |
No Penalty CD
2.80%APY · 1 term
Withdraw full balance and interest any time after the first 6 days following funding date with no penalty. Interest compounded daily. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsWithdraw money any time after the first 6 days following funding date with no penalty | 2.80% | $256 |
Sources (5)
- ally.com/bank
- ally.com/bank/cd-ladder
- ally.com/bank/cd-rates
- ally.com/bank/no-penalty-cd
- ally.com/bank/view-rates
All captured Oct 4, 2026
Special-purpose accounts
IRA Raise Your Rate CD
3.00%APY · 2 terms
Available as Traditional, Roth, or SEP IRA. Opportunity to increase rate once over the 2-year term or twice over the 4-year term if rate for term and balance tier goes up. Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAvailable in 2-year term. Opportunity to increase rate once over the 2-year term if our rate for your term and balance tier goes up | 3.00% | $609 |
| 48 monthsAvailable in 4-year term. Opportunity to increase rate twice over the 4-year term if our rate for your term and balance tier goes up | 3.00% | $1,255 |
IRA High Yield CD
2.80%APY · 2 terms
Available as Traditional, Roth, or SEP IRA. Contribution eligibility requirements apply. Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–60 monthsTerms range from 3 to 60 months. Available as Roth, SEP or Traditional IRA | 2.80% | $69 |
| 60 months | 2.80% | $1,481 |
Sources (4)
All captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.