Edward Jones CD Rates: June 2025

Edward Jones’ certificates of deposit (CDs) are brokered accounts, meaning it offers CDs from multiple banks. As a result, Edward Jones CD rates can be significantly higher than the national average. Compare its highest CD rate of 4.45% for a 3-month term to other 澳洲幸运5官方开奖结果体彩网:CDs with high interest rates.

Edward Jones CDs: Key Features

Edward Jones CD Key Features
APY Range	4.20%–4.45%
Term Range	3–120 months
Minimum Deposit	$1,000
Early Withdrawal Penalty	Early withdrawals may not be not permitted

The minimum amount to open an Edward Jones CD is $1,000𓂃, and terms range from 3 to 120 months.

Rates for CDs at Edward Jones can be much higher than you’ll find elsewhere. However, there are some key details you should know before opening an account.

Compare Edward Jones CD Rates

As a broker, Edward Jones is able to offer higher APYs than most banks and financial institutions. And⛦ while some banks🐬 advertise higher rates for select terms, Edward Jones’ CDs have higher than average rates on all term lengths.

Some banks also hav🌺e no minimum deposit requirements, but Edward Jones requires you to deposit at least $1,000.

Pros and Cons of Edwards Jones CDs

Pros

Significantly high CD yields
Flexible terms

Cons

CDs are not automatically renewed
Interest does not compound
No early withdrawals

Pros Explained

Significantly high CD yields: Edward Jones CDs offer rates that are significantly higher than the average CD rate, so you can earn greater returns.
Flexible terms: You can find a wide range of terms with Edward Jones CDs for a variety of investing time lines. Terms range from three to 120 months.

Cons Explained

CDs are not automatically renewed: With Edward Jones, you have to make a note of the maturity date and come up with a plan on your own. Edward Jones’ CDs are not automatically renewed or rolled over into new CDs—the funds will automatically be credited to your Edward Jones account.
Interest does not compound: Interest on Edward Jones’ CDs is not compounded. With CDs opened on the primary market, interest is calculated based on the actual number of days the account is open and the 澳洲幸运5官方开奖结果体彩网:annual percentage rate (APY).
No early withdrawals: Because they are 澳洲幸运5官方开奖结果体彩网:brokered CDs, early withdrawals are not permitted at all. The only exception is in the event of the death of the CD owner or if the owner has been adjudicated incompetent, meaning the owner is declared unfit to manage their affairs.

Warning

The only way to withdraw money from an Edward Jones CD before its maturity date is to 澳洲幸运5官方开奖结果体彩网:sell it on the secondary market. There is no guarantee that the CD will sell, or it may sell for less than the original principal.

How to Invest in Edward Jones CDs

With many banks, you can open a new CD and fund it online in a matter of minutes. However, Edward Jones works differently. To access Edwards Jones’ CDs, you must first choose a finan🙈cial advisor. To find one, you can:

Take the quiz: Edward Jones has a brief questionnaire about your current finances and goals. The company uses that information to match you with a suitable financial advisor.
Search for local offices: You can use the locator tool to find financial advisors in your area available for in-person appointments or virtual consultations.
Search by name: If you already know the name of the person you want to work with, you can search for them.

Once you’ve found an advisor you want t﷽o work with𝔉:

Make an appointment: You will meet with the advisor to discuss your finances and investment options. If you decide to proceed, you'll fill out paperwork and provide your banking details to open a new CD.
Wait for an update: Your financial advisor will open an account on your behalf, and will provide you with online login details so you can view your account information.

Other Edward Jones Savings Options

Edward Jones has a range of investment and deposit products in addition to its certificates of deposit. It's other fixed-income investments include municipal bonds, corporate bonds, U.S. Treasuries, and agency bonds.

Its savings accounts include:

Insured Bank Deposit program
Flex Funds account
Income Manager account

About Edward Jones

Edward Jones has been in operation since 1922, and it's headquartered in St. Louis, Missouri. It operates over 15,000 branch office locations throughout the U.S. and Canada. Customers can open retirement accounts, save for college🐽, and work with a financial advisor to develop wealth management strategies.

Investors can choose from 澳洲♔幸运5官方开奖结果体彩网:mutual funds, exchange🦄-traded funds (ETFs), and stocks, but Edward Jones also offers lower-risk options. Edward Jones is not a direct CD provider; instead, it's a broker that connects investors with CDs from many banks and financial institutions to get the best rates.

Alternatives to Edward Jones CDs

Credit unions: You must become a member of a credit union, but these not-for-profit financial institutions often offer higher rates on savings accounts than local banks. See the 澳洲幸运5官方开奖结果体彩网:best savings account rates available today, many of which are provided by credit unions.
Online banks: Online banks may offer easier-to-meet deposit requirements to earn higher interest rates. Take a look at the 澳洲幸运5官方开奖结果体彩网:best banks for savings accounts for more information.
Investment brokerages: You could potentially earn more money by 澳洲幸运5官方开奖结果体彩网:investing with a brokerage, but you’ll also have a higher potential for losses as well.
U.S. Treasuries: You may be able to earn more than savings accounts offer with a 澳洲幸运5官方开奖结果体彩网:Treasury bill or bond, but without as much risk as some other investments.

Edward Jones vs. Schwab vs. Fidelity

Edward Jones, Fidelity, and Charles Schwab are three of the largest full-service financial services companies in the country, and they all offer brokered CDs. How does Edward Jones measure up? We compared the three firms' CD investment minimums and rates.

	Edward Jones	澳洲幸运5官方开奖结果体彩网:Charles Schwab	Fidelity (New Issue CDs)
APY Range	4.20%–4.45%	4.10%–4.40%	4.20%-4.40%
Minimum Investment	$1,000	$1,000	$1,000

Edward Jones vs. Schwab

Edward Jones and Schwab have the same investment minimum of $1,000, but Edward Jones has more CD term options to choose from. Schwab's maximum CD term is just 24 months, while Edward Jones has terms as long as 60 months.

Edward Jones vs. Fidelity

Fidelity offers CD terms ranging from 3 to 60 months. Like Edward Jones, Fidelity's minimum investment is $1,000 for a whole CD, but it also offers fractional CDs for as little as $100.

Frequently Asked Questions (FAQs)

How Do You Open a CD Account at Edward Jones?

Unlike most banks and financial institutions, which allow you ꦐto open a new CD o🌊nline, Edward Jones requires extra steps.

To open a CD, you🌺 must contact a local Edward Jones financial adv𓄧isor. You will likely need to meet with your Edward Jones advisor in person and complete paperwork in their office before you can open a CD.

To get started, use Edward Jones’ financial advisor to fi𓆏nd an advisor near y🐲ou.

How Do I Log In to My Edward Jones CD Account?

After you meet with an Edward Jones financial advisor and decide to purchase a CD, the advisor will open the CD for you. They will send you an email with a link and details on how to create an online account. Once you create an account, you can log in at any time at EdwardJones.꧒com/login.

Do Edward Jones CDs Have a Minimum Investment?

To open a new CD through Edward Jones, you must have at least $1,000 available for a 澳洲幸运5官方开奖结果体彩网:minimum deposit.

Are Edward Jones CDs FDIC-Insured?

Yes, CDs opened through Edward Jones are backed by 澳洲幸运5官方开奖结果体彩网:FDIC deposit insurance. Your account is covered up to a maximum of $250,000.

Does Edward Jones Charge Fees to Open a CD?

Edward Jones does charge fees, selli๊ng concessio🌟ns, and commissions for CDs. What you pay depends on Edward Jones’ role in the transaction:

When Edward Jones acts as the principal: With 澳洲幸运5官方开奖结果体彩网:principal transactions, you are opening a CD through Edward Jones’ own inventory. When Edwards Jones is the principal, it receives a selling concession that is incorporated into the initial offering price.
When Edward Jones acts as the agent: If Edward Jones is the agent, the firm facilitates opening a CD with another financial institution or brokerage. When Edward Jones is the agent, you pay the firm a commission for the transaction.

If you buy or sell 澳洲幸运5官方开奖结果体彩网:secondary CDs, meaning CDs that were previously issued, you may pay a commission as high as 2% of the dollar amount you buy. In all CD transactions, your Edward Jones’ financial advisor will receive a percentage of any commissions, selling concessions, or fees.

Are Edward Jones CD Rates Competitive?

Typical rates for CDs opened through Edward Jones are generally significantly higher than the national average rate.

Although Edward Jones offers higher-than-average CD rates, the broker does have some limitations and requirements. Before opening an account with Edward Jones, check out the 澳洲幸运5官方开奖结果体彩网:best CD rates to ensure you’re picking the ri𝐆ght CD for💦 your needs.