Source: https://banking.us.barclays/online-cds.html
Read: 2026-10-22T05:11:19.000Z

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ONLINE CDS
Earn up to 4.75% APY with flexible CD terms designed for predictable growth*
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Online CDs built for savers who like certainty
Open an Online CD account with the stability of a fixed-rate Annual Percentage Yield. Help your savings grow steadily over time with interest that compounds daily, so you can plan ahead with clarity.
Benefits designed for simpler saving
No account fees
No monthly maintenance fees. No minimum balance to open. Just straightforward savings. 
Security that works
Secure, 24/7 online access that keeps your savings safe at every step.
Savings done right
Direct deposits and online transfers that put you in control of your funds.
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At Barclays, we're recognized for what matters: a strong foundation of financial trust built over decades.
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Barclays deposits are insured up to the maximum allowed by law.
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Earn up to 4.75% APY with a range of CD term options designed for predictable growth
Term | Interest Rate | APY
6 Month CD | 3.92% | 4.00%
9 Month CD | 3.92% | 4.00%
12 Month CD | 4.40% | 4.50%
18 Month CD | 4.40% | 4.50%
24 Month CD | 4.64% | 4.75%
36 Month CD | 4.40% | 4.50%
48 Month CD | 4.40% | 4.50%
60 Month CD | 4.64% | 4.75%
This information is accurate as of 10/07/2026. Rates may change at any time without prior notice, before or after the account is opened.
CD Calculator
Barclays Online CDs are available in a range of terms and interest rates that fit your savings goals. To see what your estimated earning potential is for different variations, just plug in a deposit amount and term into the CD calculator.
Opening deposit
Duration
6 Months
9 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
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Anything calculated or described in connection with calculator is for illustrative purposes only. The interest and APY earned amount is based on the advertised APY, and assumes that for the entire investment period, that the principal and interest remain on deposit and there are no withdrawals. Interest is compounded daily and credited monthly.
Online CDs
Open an Online CD account that earns at a fixed rate for a set period of time, so you’ll always know how your savings will grow.
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Online CDs
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General FAQs
*Barclays Online CD Annual Percentage Yield (APY) for the CD term(s) mentioned above is valid as of 10/07/2026. No minimum opening balance or deposit required to open. Fees could reduce earnings on the account. Rates may change at any time without prior notice before the account is opened. In order to maintain an account, funding must occur within 14 days of account opening. For interest to post to your account you must maintain a minimum balance that would earn you at least $0.01. A penalty may be charged for early withdrawal.
Deposits are insured by the FDIC up to the maximum allowed by law. Please visit FDIC.gov for details. 
Different offers may be available by product. 
Barclays Online Banking is provided by Barclays Bank Delaware. 
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