Effective August 26, 2026
BetterAPY.com publishes certificate-of-deposit rates read from each bank's and credit union's own published pages and documents, re-checked daily. Using the site means these terms apply.
Everything here is information, not financial, investment, legal, or tax advice. We are not a bank, a credit union, a broker, or an adviser, and reading this site creates no advisory relationship. Decisions about your money are yours.
Every rate shows the date we read it and, where the institution printed one, the institution's own effective date. Institutions change rates without notice, rates can differ by region or channel, and despite daily re-checking, errors are possible. Always confirm the rate, terms, and availability with the institution before opening an account — the institution's own disclosures control, not this site. Early-withdrawal penalties usually apply to CDs.
Membership eligibility summaries are read from each credit union's own published rules and are provided to help you gauge whether you can join. The credit union alone decides membership.
BetterAPY is not affiliated with, endorsed by, or sponsored by any listed institution. Institution names and logos belong to their owners and appear only to identify them. Placement on this site is never paid for. We currently receive no compensation from any listed institution; if that ever changes, it will be disclosed on this page.
Our machine-readable feed at /rates.json is free to cite with attribution to BetterAPY.com. Don't republish it stripped of its verification dates or misrepresent it as an institution's own publication.
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The site and its data are provided "as is," without warranties of any kind. To the maximum extent permitted by law, BetterAPY and its operator are not liable for any loss arising from use of the site or reliance on its information — which is one more reason to confirm with the institution before you open anything.
These terms are governed by the laws of the State of Florida. Questions: insiders@betterapy.com.
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