Barclays CD Rates (2026): Up to 4.75% APY
Barclays sells one kind of CD, the Online CD, with no minimum deposit and terms from 6 to 60 months. It suits savers who want a high fixed rate on a 2- or 5-year term without branches or extras. The best rates are 4.75% APY on the 24- and 60-month terms (rates effective October 7, 2026, checked October 19, 2026; for new CDs, fixed once opened).
By Wealthy Pot Editorial · Facts checked October 19, 2026
Facts checked October 19, 2026 against Barclays's own CD rate page and deposit agreement (4 sources, listed below). We re-check prices about once a month. We do not earn a commission from Barclays.
Barclays at a glance
| CD rates (APY) | 6 mo 4.00%, 9 mo 4.00%, 12 mo 4.50%, 18 mo 4.50%, 24 mo 4.75%, 36 mo 4.50%, 48 mo 4.50%, 60 mo 4.75%; effective October 7, 2026, checked October 19, 2026; for new CDs, fixed once opened [1] |
|---|---|
| Minimum deposit | $0; the CD must be funded within 14 calendar days of opening [2] |
| Early withdrawal penalty | 90 days of simple interest on the amount withdrawn for terms of 24 months or less; 180 days for terms over 24 months [2] |
| Interest | Compounded daily, credited monthly [2] |
| At maturity | Renews automatically; 14-calendar-day grace period starting on the maturity date [2] |
| CD types | Online CDs only: no no-penalty, bump-up or IRA CDs [1] |
| Wire transfers | Not accepted [3] |
| Fees | No monthly maintenance or annual fees [3] |
| FDIC-insured bank | Barclays Bank Delaware [3] |
| Customer care | 877-710-8756, 7 days a week, 8:00 am to 8:00 pm ET [3] |
Barclays in official federal data
Rate compared with the national average
Barclays's 1-year CD APY of 4.50% (as of October 19, 2026) is about 2.6 times the FDIC's national average for 12-month CDs, 1.76% (as of October 19, 2026). On $10,000 kept for a year, that is about $450 in interest against $176 at the national average, before tax; a CD locks its rate for the term, while the national average is for CDs opened that month.
Who holds your money
- Deposits are held by Barclays Bank Delaware, FDIC certificate #57203, based in Wilmington, DE, established May 23, 2001 according to the FDIC.
- FDIC insurance covers up to $250,000 per depositor, per insured bank, for each account ownership category. Money held at the same bank under another brand name counts toward the same limit.
- Size: $35.3 billion in deposits and $43.5 billion in total assets (June 30, 2026 call report). Primary federal regulator: FDIC.
Customer complaints filed with the CFPB
From October 2025 through September 2026, consumers sent the Consumer Financial Protection Bureau 116 complaints about checking or savings accounts at BARCLAYS BANK DELAWARE, about 3.28 per $1 billion of deposits; the company responded on time to 100%. Complaint counts grow with the number of customers and cover the whole company, including checking accounts, and the CFPB does not verify each complaint, so treat them as a rough signal. Read the complaints.
Sources: FDIC BankFind (certificate, deposits and assets), FDIC national deposit rates (October 19, 2026), CFPB Consumer Complaint Database (product "Checking or savings account"). Updated monthly.
How Barclays works
You open an Online CD online, pick a term and fund it from a linked bank account within 14 days. There is no minimum. Interest compounds daily and is credited every month, and the rate stays fixed for the whole term. At maturity the CD renews for the same term unless you act during the 14-day grace period. Barclays has no checking account and does not accept wires, so money moves in and out by ACH. The federal-data block on this page compares the rates with the FDIC national averages.
The rate ladder is unusual: the 24-month and 60-month terms both pay 4.75% APY, while 36 and 48 months pay 4.50%. If you want a 3-year CD here, a 2-year CD pays more and frees your money a year sooner. If you are building a CD ladder, the 12-, 24- and 60-month rungs are the strongest.
A hypothetical early withdrawal: you put $10,000 in a 12-month CD at 4.50% and close it after 6 months. The term is 24 months or less, so the penalty is 90 days of simple interest on the amount withdrawn. Using the APY as an approximation of the interest rate: $10,000 x 4.50% x 90 / 365 = $110.96. Six months of interest is about $10,000 x 4.50% x 6 / 12 = $225.00, so you would keep roughly $225.00 minus $110.96 = $114.04 of interest. The penalty is the same whether you close in month 2 or month 11. Try your own numbers in the CD calculator.
Pros
- 4.75% APY on both the 24- and 60-month terms
- No minimum deposit on any term
- A 14-day grace period at maturity, longer than the 10 days at Marcus, Synchrony, CIT and Capital One
- Penalty for terms up to 24 months is 90 days of interest
Cons
- No no-penalty, bump-up or IRA CDs
- The 36- and 48-month terms pay less (4.50%) than the 24-month term
- No checking account, no branches and no wire transfers
- 180 days of interest as the penalty on the 36-, 48- and 60-month terms
Who Barclays fits, and who should skip it
A good fit if
- You want a 2- or 5-year CD at 4.75% APY with no minimum deposit.
- You are fine with an online-only bank and ACH transfers.
- You want a modest penalty on terms up to 24 months (90 days of interest).
Look elsewhere if
- You want to be able to leave early without a penalty: Marcus has 7-, 11- and 13-month no-penalty CDs.
- You want a CD inside an IRA: Synchrony offers IRA CDs.
- You want a branch or cash deposits: Capital One has branches and Cafés.
Limitations to know
- Barclays does not accept wire transfers, so deposits arrive by ACH, check or mobile deposit. [3]
- Check and electronic (collection) deposits are held for 5 business days. [2]
- ACH withdrawals and deposits are limited to $250,000 per transaction. [2]
- A new CD must be funded within 14 calendar days of opening. [2]
- The product menu lists Tiered Savings, Online Savings and Online CDs only: there is no checking account or ATM card. [4]
Barclays compared with alternatives
| Bank | 6-month | 1-year | 3-year | 5-year | Minimum |
|---|---|---|---|---|---|
| Barclays | 4.00% | 4.50% | 4.50% | 4.75% | $0 |
| Marcus by Goldman Sachs | 3.95% | 4.40% | 4.40% | 4.40% | $500 |
| Synchrony Bank | 4.10% | 4.20% | 4.40% | 4.50% | $0 |
| Bread Savings | 4.05% | 4.45% | 4.60% | 4.70% | $1,500 |
| Ally Bank | 3.85% | 4.30% | 4.10% | 4.25% | $0 |
- Pick Marcus by Goldman Sachs if you want a big-name bank with no-penalty CDs and 4.40% from 1 to 6 years.
- Pick Synchrony Bank if you want IRA CDs, a bump-up CD and a 4.50% 5-year rate with no minimum.
- Pick Bread Savings if you can deposit $1,500 and want a 4.85% 18-month CD.
- Pick Ally Bank if you want lower penalties and a full online bank with checking.
Security and privacy
- CDs are deposits of Barclays Bank Delaware, an FDIC member; qualifying deposits are insured under FDIC rules and limits, which are $250,000 per depositor, per bank, per ownership category. [3]
- Joint accounts (two people, with right of survivorship) and payable-on-death beneficiaries are allowed. [2]
- These are bank CDs issued by Barclays Bank Delaware, not brokered CDs. [3]
Recent changes
| Date | What changed |
|---|---|
| Oct 7, 2026 | New rates: 12-month 4.25% to 4.50%, 36-month 2.50% to 4.50%, 60-month 4.25% to 4.75%; the 18-, 36- and 48-month terms are no longer low at 4.50%, and the 24-month term pays 4.75%. [1] |
| Oct 2024 | The old Barclays US Savings App was retired; accounts are managed in the Barclays US Mobile App. [3] |
Barclays FAQ
Is Barclays FDIC insured?
Yes. Barclays Bank Delaware is an FDIC member, so CDs are insured up to $250,000 per depositor, per ownership category. Barclays Bank Delaware is the legal entity named on the FDIC record shown on this page.
What are Barclays CD rates today?
On October 19, 2026 Barclays listed 4.00% APY for 6 and 9 months, 4.50% for 12, 18, 36 and 48 months, and 4.75% for 24 and 60 months, effective October 7, 2026. Rates are for new CDs and are fixed once you open one. Compare with other banks on our <a href="/cd-rates/">CD rates page</a>.
Does Barclays have a minimum deposit for CDs?
No. There is no minimum deposit, but you must fund the CD within 14 calendar days of opening it.
What is the penalty for withdrawing a Barclays CD early?
For a term of 24 months or less, 90 days of simple interest on the amount withdrawn. For a term over 24 months, 180 days. On a $10,000 12-month CD at 4.50%, that is about $110.96.
Does Barclays offer a no-penalty CD?
No. Barclays sells only its standard Online CD, with no no-penalty, bump-up or IRA versions.
How we researched this review
We did not get paid for this page. On October 19, 2026 we read Barclays's own CD rate page, deposit account agreement and disclosures, quoted each fact and link every one below. FDIC and CFPB figures come straight from the agencies' public data. Penalty examples are our arithmetic on the bank's stated formula. CD rates for new accounts change often; we re-check them about once a month.
Sources
- Barclays, Online CDs (rates effective 10/07/2026), checked October 19, 2026.
- Barclays, Online Savings and CD Terms and Conditions, checked October 19, 2026.
- Barclays, Frequently asked questions, checked October 19, 2026.
- Barclays, Tiered Savings, checked October 19, 2026.
This review is for general information, not financial advice. CD rates for new accounts change often; the rate is fixed only once you open the CD. Confirm the current rate with the bank.