Barclays Bank CD Rates: June 2025

With no minimum deposit requirements and high interest rates, Barclays is a contꦏender for the best CDs today

By

澳洲幸运5官方开奖结果体彩网:Lindsay VanSomeren

Updated May 29, 2025

Women meeting in business office about CD rates — MoMo Productions / Getty Images

Barclays is a 300-year-old British bank trying to stay globally relevant in modern times, and its CDs are a good-faith effort to that effect. Barclays Bank CD rates are good, and many people will appreciate its simple, stra🍨ightforward options.

Barclays Bank offers several terms for its online CDs in the United States market with rates up to 4.00% APY, which is competitive with many of 澳洲幸运5官方开奖结果体彩网:the best CD rates.

Barclays Online CD Overview

Barclays Online CD Rates Overview
CD Term	APY	Minimum Deposit
3 months	0.10%	None
6 months	3.80%	None
9 months	3.80%	None
1 year	4.00%	None
18 months	3.25%	None
2 years	3.00%	None
3 years	3.00%	None
4 years	3.00%	None
5 years	3.25%	None

Compare Barclay Bank Rates

Barclay Bank offers some ▨CDs with competitive interest rates, but you may be able to find even higher returns on CDs by shopping around and comparing terms.

Barclays Bank CDs: Key Features

Barclays Bank CDs: Key Features
APY Range	0.10%–4.00%
Minimum Deposit	None
Term Range	3 months to 5 years
Early Withdrawal Penalty	90 days’ interest for terms of two years or less 180 days’ interest for terms over two years
Grace Period for Penalty-Free Withdrawals	14 days

There is no minimum deposit required to open a Barclays CD.

Tip

Use a to check how much t🔯otal interest you’d earn with one of Barclays Bank CD rates, based on the deposit amount you wish to make.&nbs📖p;

Pros and Cons of Barclay Bank CDs

Pros

澳洲幸运5官方开奖结果体彩网:Fairly competitive rates
澳洲幸运5官方开奖结果体彩网:No minimum deposit requirement

Cons

澳洲幸运5官方开奖结果体彩网:May find higher rates elsewhere
澳洲幸运5官方开奖结果体彩网:Early withdrawal penalty

Pros Explained

Fairly competitive rates: Some of Barclay Bank CDs offer high interest rates compared to other CDs.
No minimum deposit requirement: Unlike many CDs, you don't have a minimum deposit requirement with Barclay Bank CDs.

Cons Explained

May find higher rates elsewhere: By shopping around, you may be able to find better interest rates and get higher returns for your investment.
Early withdrawal penalty: Like many CDs, Barclay CDs have an early withdrawal penalty.

Important

Some people prefer opening CDs and savings accounts♕ at other banks because 𝄹it “hides” the account from themselves, making it easier to avoid the temptation to withdraw the money early.

Alternatives to Barclay Bank CDs

Other high-interest CDs: Many of Barclay Bank CDs offer competitive interest rates. Check the best CD rates currently available before making a deposit.
High-yield savings account: If you want to protect your funds while also earning interest, you can also consider a 澳洲幸运5官方开奖结果体彩网:high-yield savings account.
Checking account: A checking account is another option for storing your cash, especially if you don’t want to be subject to withdrawal limits. Some 澳洲幸运5官方开奖结果体彩网:high-interest checking accounts can provide more returns on your cash than traditional checking accounts.
Money market account: 澳洲幸运5官方开奖结果体彩网:Money market accounts are similar to savings accounts, though they may also come with check-writing abilities and a debit card. You can often earn a good rate on your savings, but you might have to deal with monthly fees or minimum balance requirements.
I bonds: I bonds from the U.S. government are an investment option for protecting your savings from inflation. I bonds may or may not offer a higher rate than the best CDs. When you invest, you have to commit to leaving your money in the I bond for at least a year.

Frequently Asked Questions (FAQs)

Is a Barclays CD Worth It?

Yes, a Barclays CD is a very good option if you’re looking to earn competitive rates and if you don’t mind opening a CD account at a new bank. For more CDs with high APYs, see the 澳洲幸运5官方开奖结果体彩网:best CD rates current🍰ly avail⛦able today.

Does Barclays Have a Minimum Deposit for CD Accounts?

No, Barclays doesn’t have a minimum deposit for its CD. But Barclays does require that you deposit enough to earn at least $0.01 in interest each month—otherwise, the bank won’t 澳洲幸运5官方开奖结果体彩网:post any interest at all to your account and it’ll be stuck in an interest-free limbo until it matures.

What Is the Best Term Length for Barclays CDs?

Barclays Bank CD rates are currently the highest for its 1-year term. Normally rates are higher on the longest-term CDs. But given the 澳洲幸运5官方开奖结果体彩网:strange high-interest-rate environmen꧃t we’re currently in, many banks have reversed that pattern, likely so they’re not stuck paying ultr♐a-high rates when they go back down in the future.

Are Barclays CD Accounts FDIC-Insured?

Yes, Barclays CDs are 澳洲幸运5官方开奖结果体彩网:FDIC-insured. Just remember to keep your total deposits with Barclays under $250,000, which is the limit of FDIC insurance for all of your deposits at any particular bank.

Your Guide to CDs

Article Sources

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