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Barclays Online CD Rates for 2025

Review Updated
Cole Tretheway
Matt Frankel, CFP®
Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

Barclays Online CD rates are worth exploring if you're looking for high-yield interest with little commitment. With no fees and no minimums, it's perfect for investors with less than $500 to invest. Below is a more detailed look at Barclays Online CD rates, how they stack up against other top banks, and who should get a Barclays Online CD.

Barclays Online CD rates for 2025

Is a high-yield savings account a better option for you?

A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.

Account APY Promotion Next Steps
up to 3.80%
Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
New customers can earn up to a $300 bonus with qualifying direct deposits!
3.60%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
N/A
4.00%
Rate info Circle with letter I in it. Balances less than $250,000 earn 4.00%, and balances greater than $250,000 earn 4.20%.
Min. to earn: $0
N/A
Open Account for Barclays Tiered Savings

On Barclays' Secure Website.

Disclaimers


Compare Barclays Online CD rates

Barclays Online CD rates are higher than the national average and in line with many of its competitors. It has especially competitive rates on its 1-year CDs, ideal for short-term savers.

Rates as of April 22, 2025
Bank & CD Offer APY Term Min. Deposit Next Steps
LendingClub CD
Member FDIC.
Open Account for

On LendingClub's Secure Website.

APY:
4.10%
Term:
14 Months
Min. Deposit:
$500
Open Account for

On LendingClub's Secure Website.

Discover® Bank CD
Member FDIC.
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

APY:
4.00%
Term:
1 Year
Min. Deposit:
$0
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

Western Alliance Bank CD
Open Account for

On Raisin's Secure Website.

APY:
4.00%
Term:
6 Months
Min. Deposit:
$1
Open Account for

On Raisin's Secure Website.

Overview of Barclays Online CDs

You can invest in Barclays Online CDs with as little as $1 and choose from a flexible range of terms. Interest is credited monthly. You can withdraw interest to a Barclays savings account or external bank account every month or keep it in your CD to earn interest. Principal funds withdrawn before the maturity date face early withdrawal fees.

Minimum Deposit $0
Range of Term Lengths 6 months to 5 years
Compounding Schedule Daily
Early Withdrawal Penalty 90 days simple interest for CD terms 2 years or less; 180 days simple interest for CD terms longer than 2 years
Grace Period 14 days
Data source: Barclays.

Barclays Online CD pros and cons

Barclays offers a combination of great rates and no minimums. But other banks offer more short-term CDs you can stagger to create a CD ladder.

Pros

  • Higher CD rates than the national average
  • No minimum deposit requirements
  • No monthly fees

Cons

  • Only one CD term of less than one year

How much can you earn with a Barclays Online CD?

Interest rates change, but you can lock in a great rate by opening a CD account. Here's a table illustrating what potential earnings could look like if you deposited $1,000.00 into a Barclays Online CD.

The numbers in the table below may not be accurate to current APYs and are for example purposes only.

Term APY Earnings
6 months 4.85% $24.54
1 year 5.00% $51.27
1.5 years 4.50% $69.83
2 years 4.00% $83.28
3 years 3.50% $110.71
4 years 3.50% $150.27
5 years 3.75% $206.22
Data source: Author's calculations.

Is a Barclays Online CD safe?

It is safe to invest in a Barclays Online CD. Barclays is FDIC insured, so your money is secured up to $250,000 per depositor. If something happened to Barclays, you'd get your money back.

How to open a Barclays Online CD

Opening a Barclays Online CD is easy. Just follow the steps below:

1. Open an account on the Barclays website

You will need to choose between opening a single and joint account.

2. Enter your personal info

You'll want your Social Security or Taxpayer Identification number on you, as well as your residential address.

3. Connect your bank accounts

Have an external bank or routing number handy to fund your account.

4. Choose how much to fund your account

Barclays Online CDs have no minimum deposit requirements.

5. Accept Barclays terms and conditions

Once you accept the terms and conditions, you're all finished.

Who is a Barclays Online CD right for?

A Barclays Online CD is right for short-term investors with less than $500 to invest. Rates are high on short-term CDs, and there is no minimum deposit to open an account.

Bottom line: Barclays Online CD rates

Barclays Online CD
  • 6 APY: 3.80%
  • 9 APY: 3.80%
  • 12 APY: 4.00%
  • 18 APY: 3.25%
  • 24 APY: 3.00%
  • 36 APY: 3.00%
  • 48 APY: 3.00%
  • 60 APY: 3.25%
Rates as of April 22, 2025

APY = Annual Percentage Yield

Term
Barclays Online CD
6 Mo.
9 Mo.
1 Yr.
1.5 Yr.
2 Yr.
3 Yr.
4 Yr.
5 Yr.
3.80%
3.80%
4.00%
3.25%
3.00%
3.00%
3.00%
3.25%

Our CDs methodology

At Motley Fool Money, certificates of deposit (CDs) are rated primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.

Learn more about how Motley Fool Money rates bank accounts.

FAQs

  • There is no minimum deposit for a Barclays Online CD.

  • You are charged early withdrawal fees if you withdraw any of your original contribution, the principal, before your CD matures. This charge is higher for longer CD terms.

  • Yes, but you will be charged an early withdrawal fee if you close your account after the 14-day grace period ends.