Bank · FDIC insured
Charles Schwab Bank CD Rates
Charles Schwab Bank’s best CD rate is 0.00% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Charles Schwab Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Charles Schwab Bank
0.00%APY
- Term
- 3 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $0
Certificate of Deposit
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
Charles Schwab Bank CD score
60
CD score
Higher than 0% of U.S. banks and credit unions
- 3–8 months3–8 mo0.00%
- 9–15 months9–15 mo0.00%
- 16–30 months16–30 mo0.00%
- 31–60 months31–60 mo0.00%
- QualifiedQualified0.00%
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 Charles Schwab 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.
Certificate of Deposit
0.00%APY · 8 terms
The interest rate and Annual Percentage Yield (APY) will not change for the term of the account. The Annual Percentage Yield assumes interest remains on deposit until maturity. Certificates of Deposit (CDs) carry an early withdrawal penalty equal to 90 days interest for all terms and balance tiers.
| Term | APY · Up to $1,000 | APY · $1,000 – $5,000 | APY · $5,000 – $10,000 | APY · $10,000 – $20,000 | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
| 6 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
| 12 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
| 18 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
| 24 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
| 36 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
| 48 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
| 60 months | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00%0.00% to $10000.00% $1k–$5k0.00% $5k–$10k0.00% from $20k | $0 |
Sources (1)
- online.schwabbank.com/rateTable.do · captured Oct 6, 2026
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