Is Barclays CD the right fit for you?
CD Accounts
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Last Updated: 02/20/2026
SuperMoney User Recommendation Score +92
Strongly recommended24 total votes
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Highlights
Community Rating
Strongly recommended
APY (Annual Percentage Yield)
2.50% - 3.50%(Verified 02/20/2026)
Disclaimer popup with additional information
Minimum Opening Deposit
$0
Certificate Term
- 12 months
- 18 months
- 2 years
- 3 years
- 4 years
- 5 years
Number of Reviews
Barclays CD Review
Barclays CD are offered by Barclays Bank, a bank founded in 1896 and based in , DE. Barclays Online CD are available in 50 states and Washington, DC.
Key Takeaways
- Only one CD type available. Barclays Online CD only offers traditional CD accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.50%, which is much higher than the national average for a CD account.
- No minimum initial deposit. There is no minimum balance required to open an account.
- Wide selection of CD terms. Barclays Online CD allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Barclays CD
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Barclays CD FAQ
Are CD from Barclays Bank federally insured?
Yes, your Barclays Bank CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #57203). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What types of CDs does Barclays Bank offer?
Barclays Online CD provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
What rates does Barclays Bank offer on its CDs?
Barclays Online CD offers an APY starting at 2.50% and ranging up to 3.50%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding. This is higher than the typical interest rate for online-only checking accounts, which is around 1% APY.
What terms does Barclays Online CD offer?
Barclays Bank offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 3.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 2.50% - 3.50% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 3.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | 3.00% - 3.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 2.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 2.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18-Month APY | 3.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9-Month APY | 3.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with Barclays Bank?
Barclays Online CD does not require a minimum deposit.
What is the grace period for Barclays Online CD?
There is a 14-day grace period for Barclays Online CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 14-day grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does Barclays Bank charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
Barclays Bank charges an early withdrawal fee.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +92, or 4.8 on a 5-point rating scale.
+92
-1000+100
No one recommends
Everyone recommends
Barclays CD Community Reviews
Would you recommend Barclays CD to your friends?
RA
Rahab A.
Feb 3, 2023
May or may not recommend
Barclays’ high-yield savings account offers a competitive annual percentage yield (APY) of 3.40% that is substantially higher than the national average (as of December 16, 2022), though a bit less than the best online savings accounts currently going.
EC
Eusebio C.
Jan 28, 2023
May or may not recommend
Have no info on such marketing items I believe in having info on items that I use or will use.
BK
Ben K.
Jan 28, 2023
May or may not recommend
If you're looking for a low-risk way to earn extra interest on your savings in the short-term, CIT Bank's No-Penalty CD may be just the ticket. It's 11-month term is on the short side for CDs, and you'll earn an impressive 4.10% APY on your deposit.
JA
Junaid A.
Jan 26, 2023
May or may not recommend
Since I've been using Barclays online CDs for a while, one thing I like most about them is the lower fees they apply to savings accounts, which offer 2.00% APY and have a tool for setting savings objectives. I've benefited greatly from this in terms of my financial projects.
Barclays' drawback is that it's only suitable for those who don't need in-person assistance. Nevertheless, I will recommend it to individuals, particularly ...Show More
BM
Bonnie M.
Jan 25, 2023
May or may not recommend
Several years ago, I had an online savings account with Barclays. Because it was handled digitally, opening the account was a breeze. Since local banks like Chase and Bank of America provide such poor interest rates on savings accounts, I sought for a better option: an internet savings account. Since I was already a happy customer of Barclays's credit card services, the bank was a natural choice for my new ...Show More
Najee J.
Jan 24, 2023
May or may not recommend
Great service! Accounts are easy to use & understand. Interest rates are very reasonable. I would definitely continue to use this service.
Michael R.
Jan 23, 2023
May or may not recommend
I simply love this product it's easy to use and the company is amazing
RK
Rohma K.
Jan 22, 2023
May or may not recommend
The process is easy to understand and their interest rate is good. Service providers are efficient and knowledgeable which makes it more convenient.
D M.
Jan 21, 2023
May or may not recommend
This is an amazing innovative way to offer such an account. The team is very people oriented would do business with them again
AM
Arshad M.
Jan 20, 2023
May or may not recommend
It was a wonderful experience in working with them but they have less branches in the country
MH
Mohamed H.
Nov 27, 2022
May or may not recommend
It is a simple and easy process as I could open a CD online.
offers a good value as it has reasonable interest rates.
The website is clean and simple, good enough to navigate through it and get what I want.
Customer service is excellent.
EN
Edwin N.
Nov 20, 2022
May or may not recommend
Awesome services and I highly recommend it. Should you need great services kindly consider Barclays CD.
Free L.
Nov 14, 2022
May or may not recommend
I had no problems opening the account and they have kept the rate at 1%. They are not a primary financial institution and are good for higher yields on savings and CD's. I use them to obtain the higher rates. They do not have ATM access and I do all transactions by ACH and have never had any problems. However if you need same day access ...Show More
CS
Celeste S.
Nov 10, 2022
May or may not recommend
I would recommend Barclay CD CD Accounts because they offer a 4.00% APY 12 month CD. Barclays provides a 12, 18, 24, 36, 48, and 60 month CD. A CD Calculator is also available for free to choose your term and deposit amount to track potential savings. Barclays is available via Facebook, Twitter, YouTube, and Instagram.
MM
Michelle M.
Oct 13, 2022
May or may not recommend
I would definitely recommend Barclays CD services. Knowledgeable and patient agents.
No Annual fee and APR is 3.25%-3.65%
NP
Najla P.
Oct 12, 2022
May or may not recommend
They provide a better banking service with much better customer support, I am using this for the past couple of years. Barclays provide me one the best Credit card out of the three card I have. Their reward system help me to get more rewards point and redeem it easily. Any dispute in my transaction I am getting faster solutions compared to other same service providers.
NA
Noor A.
Oct 5, 2022
May or may not recommend
Barclays CD is one of the best online financial service provider company. There is not any fees and interest are compounded daily. This is big because interest compounded daily rather than monthly or yearly could add thousands to your bank account over the term of the CD.
Other thing that no need of initial deposit at the time of initiated the CD account.
One the other hand I would like to suggest ...Show More
Sana F.
Sep 26, 2022
May or may not recommend
I would totally recommend Barclays Online CD account because being renown bank it has
. No annual fee
. No minimum opening balance is required
. APY is good too
. Every requirement to open CD account is very crystal clear
JM
Jane M.
Sep 17, 2022
May or may not recommend
I have been a customer of Barclays Online accounts and I am very happy with them. I recommend their products
Sania A.
Sep 16, 2022
May or may not recommend
I would recommend Barclays because of many reasons such as, there are no hidden fees or balances even when you are opening an account. This is good because interest compounded daily instead of monthly or yearly can possibly add thousands to your bank account over the terms of the CD. This is a good institution for purposes such as people who have multiple projects per time.
Showing 20 of 24 reviews
