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Edward Jones CD Rates for 2025

Review Updated
Steven Porrello
Steven Porrello
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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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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.

Edward Jones's brokered CDs boast some of the highest CD rates on the market with a variety of terms ranging from three months to 10 years. These CDs could be perfect for investors with an Edward Jones CD brokerage account (you need one to open its CDs), but they have some restrictions you should know about first.

Below, we'll look at what makes Edward Jones CDs so unique -- as well as some drawbacks to consider.

Edward Jones CD rates for 2025

Rates as of April 22, 2025

APY = Annual Percentage Yield

Offer image for Edward Jones CD
Edward Jones CD
MINIMUM DEPOSIT $1,000
6 Mo. APY 1 Yr. APY 1.5 Yr. APY 2 Yr. APY 3 Yr. APY 4 Yr. APY 5 Yr. APY
4.25% 4.15% 4.15% 4.20% 4.20% 4.15% 4.15%

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


How Edward Jones CD rates compare

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.

Edward Jones CD review

Edward Jones's CDs are brokered CD accounts, meaning Edward Jones isn't the original CD provider, but buys them in bulk from banks and other financial institutions and makes them available for its investors. Acquiring CDs in this manner helps Edward Jones repackage them with higher APYs and a greater variety of terms than what the banks are offering directly.

Let's take a closer look at some of the Edward Jones CD pros and cons.

PROS

  • Competitively high APYs
  • Wide variety of terms
  • Potential to extend FDIC insurance
  • Interest can be deposited as you earn it

CONS

  • Edward Jones brokerage account required
  • No compound interest
  • Selling CD on secondary market could result in loss
  • Commission charge on secondary CDs
  • Minimum deposit of $1,000

Brokered CDs are a bit more complex than traditional CD products issued by banks and credit unions. Yes, the CD rates are higher, but the interest rate is calculated on a simple basis, not compound. In other words, you'll only earn interest on your initial deposit, but not any interest you've already earned. This is different from bank CDs, which often have compound interest rates and will apply your APY to your principal and any interest you've accumulated.

That said, interest that you earn on a long-term CD (CDs with terms above 12 months) will be deposited into an Edward Jones brokerage or money market account as you earn it (monthly, quarterly, semiannually, or annually). You can then reinvest this money in CDs or savings products to keep your overall APY high.

Most bank CDs let you withdraw money early if you pay a penalty, often three months or more of accrued interest. But brokered CDs are different. Once you lock money into your Edward Jones CD, you can't break your term. The only way to access money early is to sell it on a secondary market. Depending on your CD's terms, this could result in a loss (or a gain).

For instance, if your CD's APY is significantly lower than the ongoing rate (say, 3.00% versus 5.50%), you might have to sell if below its value to attract buyers at all.

Keep in mind Edward Jones may charge up to 2% of the dollar amount you buy or up to 0.75% of any CD you sell on secondary markets.

Who is an Edward Jones CD right for?

The right person for this CD is an investor who has an Edward Jones brokerage account. This CD could also be right for you if you're certain a CD is the best place for your savings and you're prepared to lock your money up for the length of your term.

Bottom line: Edward Jones CD rates

Edward Jones CD
  • 6 APY: 4.25%
  • 12 APY: 4.15%
  • 18 APY: 4.15%
  • 24 APY: 4.20%
  • 36 APY: 4.20%
  • 48 APY: 4.15%
  • 60 APY: 4.15%
Show All Rates [+] Hide All Rates [-]
Rates as of April 22, 2025

APY = Annual Percentage Yield

Term
Edward Jones CD
6 Mo.
1 Yr.
1.5 Yr.
2 Yr.
3 Yr.
4 Yr.
5 Yr.
4.25%
4.15%
4.15%
4.20%
4.20%
4.15%
4.15%

Our CDs methodology

At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, 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

  • You should get an Edward Jones CD because its rates are unbelievably high, both for short-term CDs and for longer terms.

  • For those savers who are certain a CD is the right savings product for them, an Edward Jones CD is definitely worth it. Not only are the APYs competitive, but the broker offers multiple terms, making it ideal for CD laddering.