Wealthy PotBarclays CD Rates (2026)
Barclays is a go-to for savers who just want a top CD rate with no minimum and no fuss. It rarely offers gimmicks like no-penalty CDs, but for a straightforward high-rate term CD it is hard to beat.
By Wealthy Pot · Last updated September 2026
Barclays CD rates by term
| Term | APY |
|---|---|
| 6-month | 4.00% |
| 1-year | 4.25% |
| 3-year | 2.50% |
| 5-year | 4.25% |
Pros
- Consistently among the highest online CD rates
- No minimum deposit
- No monthly fees
- Simple, reliable online experience
Cons
- No branches or in-person help
- No no-penalty CD option
- No checking account to pair with
Who Barclays CDs are for
Best for rate-focused savers who are certain about their term, want no minimum deposit, and do not need a no-penalty option or branch access.
Rates, minimum & penalties
Barclays requires a $0 minimum deposit to open a CD. The early-withdrawal penalty is 90 days interest (terms ≤24 mo); 180 days (longer terms). Barclays does not offer a no-penalty CD, so plan to keep the money locked for the full term. FDIC-insured (Barclays Bank Delaware). CD APYs are fixed once you open but change for new CDs frequently, confirm the current rate on the official site.
The bottom line
Barclays is a go-to for savers who just want a top CD rate with no minimum and no fuss. It rarely offers gimmicks like no-penalty CDs, but for a straightforward high-rate term CD it is hard to beat. Main drawback: unusually low 18/36/48-month rates (~2.5–3.0%); no no-penalty cd or branches.
See how Barclays stacks up in our best CD rates comparison, or compare liquid options in our high-yield savings guide.
We summarize each bank's published CD terms, not user reviews. CD APYs are fixed for the term but reprice for new CDs often; figures are re-checked against each bank's official page. CDs are FDIC-insured to legal limits. Some outbound links may be affiliate links — that never affects which banks we include or how we rate them. Nothing here is financial advice.