Barclays CD Rates — October 2026

Also known as Barclays US, Barclays Online Savings.

As of October 22, 2026, Barclays's highest CD rate is 4.75% APY on a 24-month CD. That is 3.1 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 4.00% to 4.75% APY.

Last verified October 22, 2026 from banking.us.barclays · FDIC-insured bank · Wilmington, DE

Tracking began October 22, 2026.

Best APY4.75%24 months

vs. Treasury−0.12%same-term Treasury 4.87%

vs. national average3.1×FDIC national average 1.55%

After inflation1.01%CPI 3.7% year over year

$10,000 earns$973over 24 months, before tax

Barclays CD rates

Available online to U.S. residents in every state.

Barclays CD rates
Term	Product	Minimum	APY	vs. Treasury
6 months	6 Month CD	Not stated	4.00%Verified October 22, 2026	−0.40%
9 months	9 Month CD	Not stated	4.00%Verified October 22, 2026	−0.48%
12 months	12 Month CD	Not stated	4.50%Verified October 22, 2026	−0.07%
18 months	18 Month CD	Not stated	4.50%Verified October 22, 2026	−0.22%
24 months	24 Month CD	Not stated	4.75%Verified October 22, 2026	−0.12%
36 months	36 Month CD	Not stated	4.50%Verified October 22, 2026	−0.45%
48 months	48 Month CD	Not stated	4.50%Verified October 22, 2026	−0.48%
60 months	60 Month CD	Not stated	4.75%Verified October 22, 2026	−0.26%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Barclays's best CD rates by term?

Barclays's best rate is 4.75% APY on 24 months, verified October 22, 2026.

6 mo4.00%
9 mo4.00%
12 mo4.50%
18 mo4.50%
24 mo4.75%
36 mo4.50%
48 mo4.50%
60 mo4.75%

Calculate earnings at 4.75% for 24 months

How Barclays compares

Best 2-year rate among the institutions we track: Popular Direct at 4.80% APY.
Popular Direct: best 5.00% APY on 60 months.
Sallie Mae Bank: best 4.75% APY on 60 months.
Capital One: best 4.40% APY on 11 months.
2-year Treasury: 4.87% APY-equivalent.

Rate changes

No changes since we started tracking Barclays on October 22, 2026.

About Barclays

Legal name: Barclays Bank Delaware
Regulator ID: FDIC 57203
Headquarters: Wilmington, DE
Available in: All states (online)
Total assets: $43.5 billion
Also known as: Barclays US, Barclays Online Savings
Website: banking.us.barclays

Source: rates read from https://banking.us.barclays/online-cds.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at Barclays?

4.75% APY on a 24-month CD, as of October 22, 2026.

How does Barclays's best CD rate compare with Treasury yields?

4.75% APY is −0.12% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.75% a good CD rate?

It is 3.1 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Barclays CDs insured?

Barclays is an FDIC-insured bank (FDIC 57203). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Barclays's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Barclays's website and may change at any time. Confirm terms, minimums and eligibility with Barclays before opening an account. This page is not financial advice.