Wealthy PotSallie Mae Bank CD Rates (2026)
Some of the highest 3- and 5-year CD rates (up to 4.40%)
By Wealthy Pot · Last updated September 2026
Sallie Mae Bank CD rates by term
| Term | APY |
|---|---|
| 6-month | 3.20% |
| 1-year | 4.20% |
| 3-year | 4.40% |
| 5-year | 4.40% |
Who Sallie Mae Bank CDs are for
Savers who can meet a $2,500 minimum and want top 1–5 year CD rates
Rates, minimum & penalties
Sallie Mae Bank requires a $2,500 minimum deposit to open a CD. The early-withdrawal penalty is 90 days interest (≤12 mo); 180 days (>12 mo). Sallie Mae Bank does not offer a no-penalty CD, so plan to keep the money locked for the full term. FDIC-insured (Sallie Mae Bank). CD APYs are fixed once you open but change for new CDs frequently, confirm the current rate on the official site.
The bottom line
Some of the highest 3- and 5-year CD rates (up to 4.40%) Main drawback: a $2,500 minimum; a weak 6-month rate; no no-penalty cd.
See how Sallie Mae Bank 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.