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Barclays Online CD Rates for 2025

Review Updated
Ryan Wilcox
Author: Ryan Wilcox
Ryan Wilcox
Ryan Wilcox

Ryan is a full-time personal finance writer at Motley Fool Money. He’s been covering topics like credit cards and savings since 2022, when he began his writing career at The Points Guy. He later joined Motley Fool Money, where he continues helping people who are new to the world of personal finance. Outside of work, you’ll find Ryan watching movies, listening to music, or obsessively updating his Letterboxd account.

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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.

Barclays offers online certificates of deposit (CDs) with competitive interest rates and no minimum deposit requirement, making them a strong choice for all sorts of people. These CDs are also FDIC insured, ensuring the safety of your investment.

For those looking to get a guaranteed return on their money through a fixed-term investment, CDs are a great option. And with Barclays' competitive rates, this issuer is a strong option for CDs in 2025.

Here's what else you need to know.

Current Barclays Online CD rates and terms

Rates as of May 29, 2025

APY = Annual Percentage Yield

Offer image for Barclays Online CD
Barclays Online CD
Bottom Line

Barclays offers competitive rates on most common CD terms with no minimum balance requirements. There are no monthly fees, so you likely won't lose money unless you try to withdraw your funds early. Those interested in building longer-term CD ladders will find plenty to like here.

MINIMUM DEPOSIT $0
Open Account for Barclays Online CD

On Barclays' Secure Website.

6 Mo. APY 9 Mo. APY 1 Yr. APY 1.5 Yr. APY 2 Yr. APY 3 Yr. APY 4 Yr. APY 5 Yr. APY
3.80% 3.80% 4.00% 3.25% 3.00% 3.00% 3.00% 3.25%

Unlike other banking products we evaluate, certificates of deposit (CDs) do not receive a star rating from us. This approach is due to the frequent updates in interest rates and terms associated with CDs. Instead, we highlight CDs on our best-of list pages based on their annual percentage yield (APY) and the fees associated with early withdrawals. Our top CD selections typically offer competitive APYs without complex qualification tiers, low early withdrawal penalties, reliable strong brand reliability, and user-friendly features.

Motley Fool Money focuses exclusively on standard CDs and does not review IRA CDs, bump-up CDs, callable CDs, or other specialized CD accounts.

Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering competitive APYs and standout features. Learn more about how Motley Fool Money rates bank accounts.

Unlike other banking products we evaluate, certificates of deposit (CDs) do not receive a star rating from us. This approach is due to the frequent updates in interest rates and terms associated with CDs. Instead, we highlight CDs on our best-of list pages based on their annual percentage yield (APY) and the fees associated with early withdrawals. Our top CD selections typically offer competitive APYs without complex qualification tiers, low early withdrawal penalties, reliable strong brand reliability, and user-friendly features.

Motley Fool Money focuses exclusively on standard CDs and does not review IRA CDs, bump-up CDs, callable CDs, or other specialized CD accounts.

Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering competitive APYs and standout features. Learn more about how Motley Fool Money rates bank accounts.

Key features of Barclays Online CDs

Minimum deposit $0
Range of term lengths 6 months - 60 months
Compounding schedule Daily
Grace period 14 days after maturity
Data source: Barclays.

Early withdrawal penalties and risks

Withdrawing funds before your Barclays Online CD matures may result in penalties:

  • For CDs with terms of 24 months or less: 90 days of simple interest on the amount withdrawn.
  • For CDs with terms greater than 24 months: 180 days of simple interest on the amount withdrawn.

With this in mind, it's important to consider your financial needs before committing to a CD term. If there's any chance you might need access to the money earlier than the term maturity date, a high-yield savings account is a better option.

Pros and cons of Barclays Online CDs

Pros:

  • $0 minimum deposit requirement
  • Competitive interest rates
  • FDIC insured up to $250,000

Cons:

  • No physical branch locations
  • Early withdrawal penalties apply

How do Barclays Online CD rates compare?

Rates as of May 29, 2025
LendingClub CD

LendingClub CD

Member FDIC.
APY:
4.25%
Term:
14 Months
Min. Deposit:
$500
Open Account for

On LendingClub's Secure Website.

Discover® Bank CD

Discover® Bank CD

Member FDIC.
APY:
4.00%
Term:
1 Year
Min. Deposit:
$0
Open Account for

On Discover Bank's Secure Website.

Western Alliance Bank CD

Western Alliance Bank CD

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

On Raisin's Secure Website.

Maximizing CD earnings: The smartest strategies in 2025

  • CD laddering is a smart strategy that involves opening multiple CDs with different maturity dates. This helps you earn higher interest rates on longer-term CDs while still keeping some of your money accessible in the near future as shorter-term CDs mature.
  • High-yield savings accounts offer more flexibility than CDs. They're a better option if you think you'll need to access your money before a CD term ends, since they don't come with early withdrawal penalties.
  • Tax implications are another important consideration, as the interest you earn on CDs is subject to federal income tax. If you're investing a large amount, it's a good idea to talk to a tax advisor to understand how this income might affect your overall tax situation.

How to open a Barclays Online CD

You can apply for a Barclays Online CD right here from this page. A reminder that in order to open a Barclays Online CD, you must be a U.S. resident with a valid Social Security number. The account can be funded through an electronic transfer from an existing bank account. Once the funds are received and the CD is officially opened, interest will begin to accrue immediately.

Should you open a Barclays Online CD?

Consider Barclays Online CDs if:

  • You're looking for a secure investment with competitive rates.
  • You're comfortable with online banking without the need for branch access.

Look elsewhere if:

  • You require physical branch services.
  • You might need early access to your funds.

If you're ready to earn more on your savings with a fixed rate, open a Barclays Online CD today.

FAQs

  • Yes, Barclays offers rates that are competitive with the best CD rates, making Barclays Online CDs a great option for savers.

  • Like most CDs, early withdrawals with Barclays are subject to penalties, which can cut into your earnings.

  • Barclays occasionally does offer promotional rates on CDs. It's smart to check its website regularly for current offers.