Bank · FDIC insured
EmigrantDirect CD Rates
Part of Emigrant Savings Bank, a $5.7B bank, the 254th largest of 4,188, headquartered in Miami, FL. It opens accounts online nationwide.
How EmigrantDirect’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $198
3rd-highest rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Closed to new customers
Certificate of Deposit
Up to 2.25%APY · 4 terms
For EmigrantDirect account holders only. Penalty will be imposed for early withdrawal. Interest is compounded daily and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubject to penalty for early withdrawal. For EmigrantDirect account holders only | 2.25% | $112 |
| 15 monthsSubject to penalty for early withdrawal. For EmigrantDirect account holders only | 2.25% | $282 |
| 16–59 monthsSubject to penalty for early withdrawal. For EmigrantDirect account holders only | 2.25% | $301 |
| 60–120 monthsSubject to penalty for early withdrawal. For EmigrantDirect account holders only | 2.00% | $1,041 |
Sources (1)
- emigrantdirect.com/securebanking/cdInfo.do · captured Oct 25, 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.