Find the latest DollarSavingsDirect CD Rates, Offers, and Promotions here.

Update 5/13/24: With rates expected to be cut, a smart route if you have excess funds is to open a long term high yield CD to lock in the current competitive rates. DollarSavingsDirect currently offers 5.00% APY on a 36 month term – a phenomenal rate especially for its term in the current market.

Best CD Rates: 5.00% APY 36 Month Term, $1k minimum deposit.

Availability: Nationwide

Credit Inquiry: Hard Pull or Soft Pull? Let us know.

Table of Contents

About DollarSavingsDirect

Dollar Savings Direct is a division of Emigrant Bank, founded in 1850 by Irish Emigrants and currently has $6 billion in assets.

DollarSavingsDirect has a wide array of products including CD rates for all your specific financial needs. Although this credit union has branch locations in Texas, Oklahoma, and Louisiana, you can still become a member and have access to the CD rates nationwide.

An online account is ideal for Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.

DollarSavingsDirect CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer the term, the higher APY rate you make.

Minimum deposit: $1,000
Maximum deposit: —
Early withdrawal penalty: Unlisted

CD Rates at DollarSavingsDirect

(FDIC Insured)

Compare the best CD rates:
Alliant Credit Union 12-Month Certificate (4.05% APY)	Quontic Bank CD (Up to 4.25% APY)
Western Alliance Bank 3-Month CD (4.50% APY)	Western Alliance Bank 12-Month CD (4.25% APY)
Ponce Bank 3-Month CD (4.25% APY)	Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY)
Sun Canyon Bank 11-Month CD (3.98% APY)	Ponce Bank 4-Month No-Penalty CD (4.15% APY)

Term	APY Rate	Minimum Deposit
6-Month	4.00%	$1,000
12-Month	3.50%	$1,000
16-Month	3.50%	$1,000
24-Month	3.00%	$1,000
36-Month	5.00%	$1,000
60-Month	3.00%	$1,000

Rates effective as of: 4/3/2024

CD Features

Interest compounded daily and credited monthly
No hidden fees or penalties
A low $1,000 minimum
FDIC Insured up to $250,000

Bottom Line

DollarSavingsDirect is currently offering a few terms with competitive rates. As an online provider, you will have access to their services from anywhere.

That being said, you may want to compare them with our best CD Rates:

You might even find yourself earning more than a regular savings account. If you are interested, be sure to apply as soon as you can to start your new account experience. Check back often for the latest DollarSavingsDirect CD rates!

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.