Bank · FDIC insured
Sallie Mae CD Rates
Top CarrotSallie Mae’s best CD rate is 4.75% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Sallie Mae’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Sallie Mae
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Sallie Mae Certificates 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
Sallie Mae CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.75%
- QualifiedQualified4.75%
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 Sallie Mae 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.
Sallie Mae Certificates of Deposit
Up to 4.75%APY · 11 terms
Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.20% | $159 |
| 9 months | 3.20% | $239 |
| 11 months | 4.10% | $375 |
| 12 months | 4.50% | $450 |
| 13 months | 4.50% | $488 |
| 15 months | 4.50% | $566 |
| 18 months | 4.50% | $683 |
| 24 months | 4.50% | $920 |
| 30 months | 4.50% | $1,163 |
| 36 months | 4.60% | $1,444 |
| 60 months | 4.75% | $2,612 |
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.