Charles Schwab CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.56%, 6-month CD rates at 0.30% and 3-month CD rates at 5.07%. Current savings rates are at 1.00% and money market rates are at 3.00%. Mortgage rates today on 30-year fixed loans are around 6.60%. Credit Card rates are at 15.40%. Personal Loan rates are at 8.95%. All these rates, and more, can be found in our database of rates. Charles Schwab's 3-Month CD rates are at 5.49%, 6-Month CD rates are at 5.37%, 9-Month CD rates are at 5.28%, 12-Month CD rates are at 5.15%, 1-Month CD rates are at 5.11%.

Charles Schwab

To see how these rates compare to Charles Schwab CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Charles Schwab, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Charles Schwab CD rates. You can also compare Charles Schwab savings rates, MMA rates and mortgage rates using our other rate lists.

Charles Schwab money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Charles Schwab? Share your experience about Charles Schwab by leaving a review below, or read customer reviews before you decide to use Charles Schwab.

Charles Schwab Texas Ratio

Charles Schwab's Texas Ratio is at 0.20%, which is considered excellent. The Texas Ratio for Charles Schwab is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Charles Schwab is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.15%
18-Month CD
5.05%
24-Month CD
4.85%
36-Month CD
4.70%
48-Month CD
4.50%
60-Month CD
4.35%
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Charles Schwab
3000 Schwab Way
Westlake, TX 76262
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Charles Schwab CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Charles Schwab
Charles Schwab
3-Month CD
5.49%
$500
Charles Schwab
Charles Schwab
6-Month CD
5.37%
$500
Charles Schwab
Charles Schwab
9-Month CD
5.28%
$500
Charles Schwab
Charles Schwab
12-Month CD
5.15%
$500
Charles Schwab
Charles Schwab
1-Month CD
5.11%
$500
Charles Schwab
Charles Schwab
18-Month CD
5.05%
$500
Charles Schwab
Charles Schwab
24-Month CD
4.85%
$500
Charles Schwab
Charles Schwab
36-Month CD
4.70%
$500
Charles Schwab
Charles Schwab
48-Month CD
4.50%
$500
Charles Schwab
Charles Schwab
60-Month CD
4.35%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Charles Schwab Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
The Bank of Tescott
The Bank of Tescott
Free Kasasa Cash Checking <-$50K
6.00%
$0
Three Rivers Bank of Montana
Three Rivers Bank of Montana
Kasasa Cash Checking
5.50%
$100
Northwest Bank
Northwest Bank
12-Month CD
5.25%
$100
Henderson State Bank
Henderson State Bank
7-Month CD Jump Up
5.20%
$500
Bank
Bank
5-Month CD special
5.07%
$10,000
Toyota Financial Savings Bank
Toyota Financial Savings Bank
18-Month CD
4.73%
$1
USAA
USAA
15-Month CD
4.70%
$1,000
ConnectOne Bank
ConnectOne Bank
Connection Plus Savings
4.60%
$2,500
Iroquois Federal S&L
Iroquois Federal S&L
6-Month CD
4.56%
$1,000
Acadia Federal Credit Union
Acadia Federal Credit Union
36-Month CD share certificate
4.27%
$1,000
Fidelity
Fidelity
60-Month CD New Issue
4.20%
$1,000
First Federal Bank Littlefield, Texas
First Federal Bank Littlefield, Texas
6-Month CD
4.19%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
3-Month CD
4.06%
$1,000
Capital One Bank
Capital One Bank
60-Month CD
4.00%
$0
TriCentury Bank
TriCentury Bank
18-Month CD
3.50%
$1,000
Clear Lake Bank and Trust Company
Clear Lake Bank and Trust Company
48-Month CD
3.00%
$1,000
Union State Bank Olsburg, KS
Union State Bank Olsburg, KS
36-Month CD
3.00%
$1,000
Kaw Valley Bank
Kaw Valley Bank
36-Month CD
2.53%
$500
State Bank & Trust Company
State Bank & Trust Company
60-Month CD
2.52%
$1,000
New Foundation SB
New Foundation SB
24-Month CD
2.25%
$1,000
The Bank of South Carolina
The Bank of South Carolina
18-Month CD
2.25%
$1,000
Bradford National Bank
Bradford National Bank
48-Month CD
2.21%
$1,000
FSB Holton, KS
FSB Holton, KS
60-Month CD
2.16%
$500
Preferred Bank Rothville, MO
Preferred Bank Rothville, MO
24-Month CD
2.07%
$500
PSB Wellsburg, IA
PSB Wellsburg, IA
18-Month CD
1.75%
$1,000
TSB Bank
TSB Bank
12-Month CD
1.60%
$500
Marquette Savings Bank
Marquette Savings Bank
48-Month CD
1.51%
$500
F&M Bank & Trust
F&M Bank & Trust
Premier Money Market
1.50%
$250,000
Vystar Credit Union
Vystar Credit Union
Money Market
1.50%
$250,000
FNB of Brookfield
FNB of Brookfield
Presidents Checking
1.26%
$2,500
FNB of Grayson
FNB of Grayson
36-Month CD
1.25%
$500
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
24-Month CD
1.25%
$500
Bank of Easton
Bank of Easton
12-Month CD
1.15%
$500
Union State Bank Pell City, AL
Union State Bank Pell City, AL
Money Market
1.00%
$20,000
1st Bergen Federal Credit Union
1st Bergen Federal Credit Union
Share Account Savings
1.00%
$0
Independent Bank Mckinney, TX
Independent Bank Mckinney, TX
60-Month CD
0.85%
$500
Centinel Bank of Taos
Centinel Bank of Taos
Simple Savings
0.80%
$0
PSB Provident Savings Bank
PSB Provident Savings Bank
36-Month CD
0.63%
$1,000
Eastern Connecticut Savings Bank
Eastern Connecticut Savings Bank
24-Month CD
0.50%
$500
Main Street Bank
Main Street Bank
Money Market
0.40%
$0
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
18-Month CD
0.35%
$1,000
First Sentinel Bank
First Sentinel Bank
Emerald Money Market
0.13%
$1,000
New Mexico B&T
New Mexico B&T
Money Market
0.10%
$100,000
Bank of Cadiz and Trust Company
Bank of Cadiz and Trust Company
Super Now Account
0.05%
$1,000
Centreville Bank
Centreville Bank
Savings Account
0.05%
$2,500
First State Bank of Porter
First State Bank of Porter
Savings Account
0.05%
$100
BankPlus
BankPlus
Personal Savings
0.05%
$100
Hawaii National Bank
Hawaii National Bank
V.I.P. Money Market Deposit
0.05%
$2,000
Burke & Herbert Bank
Burke & Herbert Bank
6-Month CD
0.05%
$500
Pentucket Bank
Pentucket Bank
Statement Savings
0.02%
$10
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Charles Schwab Information

Charles Schwab
3000 Schwab Way
Westlake, TX 76262
Denton
Established Date: 04/28/2003
FDIC Certificate #: 57450
Date of FDIC Deposit Insurance: 04/28/2003
Bank Holding Company: CHARLES SCHWAB CORP THE
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Charles Schwab FDIC Insured? Yes
What is Charles Schwab's Cert number? 57450
What is the maximum amount for insured deposits? $250,000 per holder, per account

Charles Schwab Financials

Total Assets:
$347,185,000,000
Total Deposits:
$291,890,000,000
Equity Capital:
$9,777,000,000
Domestic Deposits:
$291,890,000,000
Net Income:
$398,000,000
Return on Assets:
0.7951%
Quarterly Return on Assets:
0.4600%
Pretax Return on Assets:
0.6012%
Pretax Quarterly Return on Assets:
0.6000%
Return on Equity:
16.9900%
Quarterly Return on Equity:
18.2600%
Common Equity Tier 1 Capital Ratio:
29.3891%
Tier 1 Risk-Based Capital Ratio:
29.3891%
Leverage Tier 1 (Core Capital) Ratio:
7.5610%
Total Risk-Based Capital Ratio (YTD):
29.4383%
Total Interest Income (YTD):
1.5872%
 
 
Headquarters:
Westlake
FDIC Field Office:
Denver
Regulator:
FED
County:
Denton
# of Offices:
1
Metropolitan Statistical Area (MSA):
Dallas-Fort Worth-Arlington, TX
Consolidated Metropolitan Statistical Area (CMSA):
Dallas-Fort Worth, TX
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC

Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

    Read more...

Charles Schwab CD Rates: 5.70% APY 10-Month, 11-Month and 12-Month Brokered CDs

Charles Schwab CD rates on the bank's brokered CDs are very competitive with other brokered CDs and with regular CDs. On the short end of CD terms offered, Charles Schwab is offering a 5.70% APY for 10-month, 11-month and 12-month CDs. The 5.70% APY puts Charles Schwab in the Top Ten of our highest 12-month CD rates list, Schwab just squeaked in at number nine. You can compare Charles Schwab CD rates with other bank CD rates by using our new free rate lists, you can easily compare rates by terms or financial institution.

Charles Schwab CD Rates Brokered CDs

  • 1-Month CD: 5.51%
  •     Read more...

    Schwab Bank Invest First Visa Credit Card

    Charles Schwab visa credit cardCharles Schwab Bank is offering a cash back Visa credit card that gives you 2% cash back on purchases. There is no limit to the cash back you can earn.Unlike most cash back credit cards that give you a lump sum annually, the 2% cash back you earn on this credit card is deposited into your Charles Schwab brokerage account every month.Charles Schwab Bank Invest First Visa credit card benefits:     Read more...

    Brokerage Certificate of Deposits

    brokerage cdsBrokerage certificate of deposits differ from traditional Bank CDs because they are offered by a broker (a middleman) not directly from a bank. Brokers can include investment banks and financial institutions like Charles Schwab or Fidelity. CD brokers usually purchase CDs in large denominations and resell them to customers in smaller amounts. Just like traditional certificate of deposits purchased from banks, brokerage certificate of deposits are FDIC insured for up to $250,000 for individual accounts and $500,000 for joint accounts.The difference between traditional bank CDs and brokerage CDs is the brokerage CDs are tradable like stocks or bonds. Why would one want to trade a CD? To access their funds without paying an early withdrawal penalty like you would with bank CDs.       Read more...

    Explore Other Rate Deals

    Average CD rates across are higher this week over last as banks increase rates to attract deposits. Banks have an incentive to lock in deposits at lower rates now before CD rates move sharply higher in the coming years. Average rates on certificates of deposit with terms of 3 months to 5 years moved higher.

    Garden State Home Loans, based in Cherry Hill, NJ, is offering the lowest 30 year conforming mortgage rate on our rate table today. GSHL is currently advertising 30 year rates at 3.625 percent with 1.125 points. If you don't want to pay points on a mortgage, GSHL is also quoting 30 year rates at 3.75 percent with no points.

    Mortgage rates on 30 year home loans are averaging averaging 3.90%, slightly higher than last week's all-time record low mortgage rate of 3.89%. Current mortgage rates today on 15 year home mortgage loans are slightly lower this week averaging 3.24%, down from last week's average 15 year mortgage rate of 3.25%.   

    Bank or Credit Union Offers and Deals

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    Alternative Bank and Credit Union Offers to Explore

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    EverBank 9 Month Jumbo CD Rates now at 0.90%
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    Charles Schwab Reviews

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