Barclays Online CD review

Barclays ranks first because it pairs the highest long-term rate we found with no minimum deposit. Its Online CD table showed 4.75% APY on both the 24-month and 60-month terms, 4.50% on 12, 18, 36 and 48 months, and 4.00% on 6 and 9 months, with the rates dated 10/07/2026. Barclays says no minimum opening balance or deposit is required and there are no monthly maintenance or annual fees. Interest compounds daily and is credited monthly. The early withdrawal penalty is moderate for a fixed-rate account: 90 days of simple interest for terms of 24 months or less and 180 days for longer terms. Two details to note: you must fund the account within 14 days of opening, and phone support runs 8:00 am to 8:00 pm ET seven days a week rather than around the clock. Barclays Online Banking is provided by Barclays Bank Delaware, Member FDIC.

Who it is for

savers who want the top posted rate with no minimum

Price

$0 monthly fees and no minimum balance to open; up to 4.75% APY as of 10/07/2026.

No monthly maintenance fees. No minimum balance to open. Just straightforward savings.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 4.75% APY on the 24-month and 60-month CDs as of 10/07/2026
• 4.50% APY on 12, 18, 36 and 48 month terms; 4.00% on 6 and 9 months
• No minimum opening balance or deposit required
• Interest compounds daily and is credited monthly
• Phone support 8:00 am to 8:00 pm ET, seven days a week

Strengths and weaknesses

• Strength: Highest long-term rate on this list: 4.75% APY for 60 months
• Strength: No minimum deposit and no monthly maintenance fees
• Strength: Early withdrawal penalty is 90 days of simple interest on terms up to 24 months
• Weakness: Posted rates were dated 10/07/2026, older than most rivals' rate dates
• Weakness: Account must be funded within 14 days of opening
• Weakness: No branches; phone support is not 24/7

Key facts

• Top APY: 4.75% (24 and 60 months)
• Terms: 6 to 60 months
• Minimum deposit: None
• Early withdrawal penalty: 90 days interest (24 months or less), 180 days (longer)

Where it ranks

Barclays Online CD is No. 1 in our Best CD Rates verdict.