Barclays CD Rates

Barclays is currently offering some of the best CD rates available from an online bank. 12-month CD rates at Barclays are at 5.16% with an APY of 5.30%. 18-month CD rates are slightly lower at 5.12% with an APY of 5.25%. The next highest CD rate is on Barclays 24-month CD at 4.40% with an APY of 4.50%. There is no minimum opening deposit requirement for any CD accounts at Barclays.

Barclays CDs are available in a range of terms, from as short as 12-months to as long as 60-months, with interest rates varying depending on the length of the term. For example, a 12-month has a higher interest rate than a 60-month CD, because short-term interest rates are currently higher than long-term interest rates.

One of the key benefits of Barclays CDs or any banks CDs is that they are FDIC-insured up to $250,000 per depositor. This means that if Barclays were to fail, customers with CDs would be protected up to that amount. This makes CDs a relatively safe investment option for people who are looking for a low-risk way to earn interest on their money. A few banks have failed recently, the most since the great financial crisis of 2008/2009.

Current CD Rates at Barclays

  • 12 Month CD 5.16% APY 5.30%
  • 18 Month CD 5.12% APY 5.25%
  • 24 Month CD 4.40% APY 4.50%
  • 36 Month CD 4.21% APY 4.30%
  • 48 Month CD 4.11% APY 4.20%
  • 60 Month CD 4.07% APY 4.15%
  • Open a Barclays CD Account

    Another consideration when investing in Barclays CDs is the penalty for early withdrawal. If you need to access your funds before the end of the term, you will be subject to a penalty fee. This fee varies depending on the length of the term and the amount of the investment, so it's important to carefully consider the terms of the CD before investing.

    Barclays Certificates of Deposit offer great rates, especially on shorter-term CDs. With a range of terms available, you can choose a CD that fits your specific investment goals, and the FDIC insurance provides an added layer of security. Read more or to open an account visit Barclays at

    Author: Brian McKay
    April 30th, 2023

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