{"id":2030,"date":"2026-06-23T13:41:22","date_gmt":"2026-06-23T13:41:22","guid":{"rendered":"https:\/\/crosscountrymovingteams.com\/?p=2030"},"modified":"2026-06-23T13:41:22","modified_gmt":"2026-06-23T13:41:22","slug":"top-cd-rates-from-major-banks-on-june-23-2026-chase-cds-bank-of-america-cds-citibank-cds-and-more","status":"publish","type":"post","link":"https:\/\/crosscountrymovingteams.com\/?p=2030","title":{"rendered":"Top CD rates from major banks on June 23, 2026: Chase CDs, Bank of America CDs, Citibank CDs, and more"},"content":{"rendered":"<div>\n<p>For those who value familiarity over rate-chasing, opening a CD with one of these well-known banks could be the right move.<\/p>\n<p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2028\">Current price of Ethereum for June 23, 2026<\/a><\/p>\n<p><em>Rates accurate as of June 23, 2026.<\/em><\/p>\n<div>\n<div>\n<p>See our picks for the best certificates of deposit.<\/p>\n<\/div>\n<\/div>\n<div><!--$!--><!--\/$--><\/div>\n<p>Let\u2019s be honest: a lot of people probably choose a bank such as Chase or Bank of America because the name is on a branch down the street. There\u2019s nothing wrong with that. And once you dig in, you\u2019ll find some real advantages to parking your CD at a big bank.<\/p>\n<ul>\n<li>If your checking, savings, mortgage, or auto loan already lives at a major bank, adding a CD there keeps your financial streamlined.<\/li>\n<li>Big banks tend to have more CD terms and types on the menu, though this isn\u2019t a hard-and-fast rule.<\/li>\n<li>Some banks offer existing customers a better APY on CDs. Keep in mind, though, that these perks don\u2019t always outshine what an online bank with rock-bottom overhead can offer. It\u2019s worth noting that some banks like Capital One, which operate largely online, are household names that are also are known for rolling out standout CD rates.<\/li>\n<\/ul>\n<p>Think of a certificate of deposit (CD) as a stricter but higher-octane version of a high-yield savings account. You sacrifice some flexibility, but you\u2019re typically rewarded with a higher interest rate.<\/p>\n<p>With a CD, you\u2019ll deposit your money, commit to a fixed term, and don\u2019t touch the funds until the term ends. Withdrawing early means paying early withdrawal penalties. The trade for that restriction? Your interest rate is locked in, immune to whatever the broader market does during your term.<\/p>\n<p>At maturity, the money\u2019s all yours\u2014principal plus interest earned. You can move it, spend it, or open another CD. Banks oftentimes auto-renew CDs once they mature, though there\u2019s typically a grace period that gives you a window to decide before a new term begins.<\/p>\n<p>Fixed-rate CDs are the default, but banks have created numerous specialty products to fit different needs. Some of the most common include:<\/p>\n<ul>\n<li>Pull your money early without incurring a fee, though you\u2019ll typically earn a lower APY for the privilege.<\/li>\n<li>If the bank raises rates on your specific CD during your term, you can ask for the higher rate.<\/li>\n<li>CDs that require a large upfront deposit may offer slightly better rates.<\/li>\n<li>A retirement-focused CD that can be funded with existing IRA money or new contributions. Annual deposits of new money are capped by the IRA contribution limit ($7,000 if under 50; $8,000 if 50 or older for 2026).<\/li>\n<li>A low-risk option for earning interest on company funds, available in multiple varieties.<\/li>\n<\/ul>\n<div>\n<div>\n<p>See our picks for the best no-penalty CDs of 2026.<\/p>\n<\/div>\n<\/div>\n<p>The term you choose should be key to your CD decision. It sets the timeline for when you can get your money back without a penalty.<\/p>\n<p>A long CD term has its appeal\u2014your APY can be locked in for years at a time, protecting you if rates fall. But if they rise after you\u2019ve committed, you\u2019re stuck earning less. The only way out is the early withdrawal penalty, which eats into your returns.<\/p>\n<p>Think about these two things:<\/p>\n<ol>\n<li>How long are you prepared to leave this money alone?<\/li>\n<li>What\u2019s the APY for the term you\u2019re considering? Different durations pay different rates.<\/li>\n<\/ol>\n<p>A smart workaround is CD laddering, which gives you the best of both worlds.<\/p>\n<p>A CD ladder involves opening multiple CDs at different term lengths so they don\u2019t all mature at once. This way, you keep some of your money accessible on a rolling basis while still earning competitive rates.<\/p>\n<p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2026\">Middle managers aren\u2019t going extinct\u2014they\u2019re evolving into something more powerful<\/a><\/p>\n<p>Take a $5,000 investment as an example:<\/p>\n<ul>\n<li>$1,250 into a 6-month CD<\/li>\n<li>$1,250 into a 12-month CD<\/li>\n<li>$1,250 into a 18-month CD<\/li>\n<li>$1,250 into a 24-month CD<\/li>\n<\/ul>\n<p>Every six months, a CD matures and $1,250 (plus interest) is freed up. You can withdraw it or roll it into a fresh 24-month CD to continue the ladder.<\/p>\n<p><!-- --> <!-- --><\/p>\n<p>When it comes to selection and brand reliability, big banks are hard to beat for CD shoppers. Just remember that their APYs may fall short of what online banks can deliver. It\u2019s wise to do some rate comparisons first. Our post on the best certificates of deposit is a good starting point.<\/p>\n<details>\n<summary><span><\/p>\n<h3>Are CDs at large banks safer than CDs at smaller banks?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>CDs at large banks are not really safer than CDs at smaller banks. As long as the bank is insured by the FDIC, your money is generally as safe at a small bank. If it\u2019s a credit union, check that they\u2019re insured by the NCUA.<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>How often do big-name banks change their CD rates?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>Big-name banks change their CD rates regularly. You may find that some CD terms change every couple weeks\u2014exhibiting the value of opening a long-term CD. If you see a rate that you like, best to jump on it.<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>Can I lose money with a CD from a big bank?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>You can\u2019t lose money with a CD from a big bank, or any bank really, in the same way that you could with a riskier investment like the stock market. That said, you might effectively \u201close\u201d money if the interest you earn is lower than the inflation rate. You won\u2019t be able to access and reinvest your money into something more profitable until your account terms (or unless you pay fees).<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>Should I keep all my CDs at the same large bank or spread them around?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>It\u2019s OK to keep all your money at the same large bank as long as your deposits are covered by the FDIC. This covers up to $250,000 per account holder per ownership category. If you\u2019ve got more than that, it\u2019s worth spreading the money around to other banks to ensure the FDIC covers it all.<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>Are CD rates at big banks always lower than at smaller online banks?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>CD rates at big banks are not always lower than at smaller online banks. It\u2019s true that online banks tend to offer more consistently impressive returns than big banks due to their lack of overhead and lower operational costs. But big banks often issue a handful of APYs that rival the best rates on the market.<\/p>\n<p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2024\">Exclusive: Crypto analytics startup Allium raises $40 million to tame blockchain data for Wall Street<\/a><\/p>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A deposit account at a bank you already recognize can be a safe way to earn interest on your money.<\/p>\n","protected":false},"author":1,"featured_media":2029,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2030","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-certificates-of-deposit-cds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top CD rates from major banks on June 23, 2026: Chase CDs, Bank of America CDs, Citibank CDs, and more - 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