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Takeaways
- J.D. Power’s most recent banking survey has crowned a customer favorite for each of 15 U.S. Regions, and 14 banks have taken home the honors.
- The seven dimensions of the survey do not include rates at all, but instead focus on factors like trust and people.
- We dig in to see how well—or not—these various bank darlings pay on savings accounts and CD deposits.
- Most of the time, you can earn a much higher return by shopping around our list of the best high yield savings accounts and CD rates. These are typically offered by smaller credit unions and banks.
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The 2025 Winners in Bank Customer Satisfaction
J.D. Power released their annual U.S. Retail Banking Survey last week. In 15 U.S. regions, 14 banks were crowned the winners. The banks were rated on seven dimensions in order of importance, including: trust, people and account offerings; allowing customers to bank when and how they want; saving time and money; digital channels and resolving complaints or problems.
- BancFirstLower Midwest Region
- Bangor Savings BankNew England Region
- Banner BankNorthwest Region
- Capital OneMid-Atlantic Regions and South Central Regions
- Centier BankNorth Central Region
- ChaseCalifornia and Pennsylvania regions
- Fifth Third Bank: Florida Region (tie)
- FirstBankSouthwest Region
- FrontTexas Region
- Gate City Bank: Upper Midwest Region
- Liberty BankNew York Tri-State Region
- TD Bank: Florida Region (tie)
- United Community BankSoutheast Region
- Wintrust Community Bank: Illinois Region
It doesn’t mean that a bank pays high rates of interest just because it is popular with customers. The best-paying CDs are currently offering 4.32% – 5.00% APY. You can earn up 4.60% on the best high-yield accounts.
We compared the rate sheets of these favorites to see how they compare. Below, you can see their rates for savings and CDs in three common terms. You can also find the highest rate nationwide in each category. At the top, you'll find links to the top rates available for that account type.
| Savings and CD rates for the 14 most popular banks | ||||
|---|---|---|---|---|
| Bank | Savings account rate (APY) | 6-month CD rate (APY) | 1-year CD rate (APY) | 3-year CD rate (APY) |
| National leader | 4.60% | 4.65% | 4.60% | 4.32% |
| BancFirst | 3.25% | 4.35% | 4.25% | 4.25% |
| Bangor Savings Bank | 0% to 0.2% | 0.45% | 0.60% | 0.75% |
| Banner Bank | 0.50% | 3.82% (7m) | 3.05% (13m) | 1.51% |
| Capital One | 3.70% | 3.80% | 4.00% | 3.50% |
| Centier Bank | 0.05% | 4.00% | 4.00% | 2.75% |
| Chase | 0.01% | 1.50% | 2.00% | 2.00% |
| Fifth Third Bank | 0.01% | 3.60% | 3.50% | 3.00% |
| FirstBank | 0.02% | 4.00% | 3.75% | 2.75% (42m) |
| Frost | 0.30% | 3.20% | 2.95% | Not available |
| Gate City Bank | 0.15% | 3.75% | 3.50% (13m) | 3.00% |
| Liberty Bank | 0.05% | 4.00% | 1.00% | 1.25% |
| United Community Bank | 0.20% | 3.75% (4m) | 4.00% (9m) | Not available |
| Wintrust Community Banks | 3.00% | 4.20% (7m) | 3.75% (11m) | 3.00% (33m) |
| TD Bank | 0.02% | 2.75% | 3.51% | 2.75% |
Investing in names that are not familiar can lead to higher returns
If you want to lock in a high rate, lesser-known credit unions and banks continue to offer better deals. Though it may seem safer to stick with a big-name bank, the truth is that your deposits at any FDIC bank or NCUA credit union are equally protected—covering up to $250,000 in deposits per person, per institution. The coverage is not based upon the size of a bank or credit union.
We make it easy for you to compare the latest rates at federally insured credit unions and banks. Every day, we compare rates at 200 institutions across the country and publish our ranking of the highest-yielding savings accounts and CD rates. Links below provide CD rankings by term.
Daily Rankings of Best CDs and Savings accounts
These rankings are updated every day so that you can get the best possible rates.
- Best 3-Month Rates
- Best 6-Month Rates
- Best 1-Year CD rates
- Best CD Rates for 18-Months
- Best 2-Year Rates on CDs
- Best 3-Year CD rates
- Best 4-Year Rates
- Best 5-Year Rates on CDs
- Best High-Yield Savings accounts
- Best Money Market Accounts
You can also read about the importance of this in
Note that the "top rates" quoted here are the highest nationally available rates Investopedia has identified in its daily rate research on hundreds of banks and credit unions. This is different from the national average that includes all banks that offer a CD under that term. Many large banks pay pittances of interest. The national averages will always be low, but the best rates can often be found by shopping around.
How to Find the Best CD Rates and Savings
Investopedia ranks the highest-paying savings and CD accounts every day. It tracks rate data from more than 200 credit unions and banks across the country. For an institution to qualify for our lists it must be federally-insured (FDIC or NCUA for credit Unions) and the account must have a minimum initial deposit of no more than $25,000. The maximum deposit amount cannot be less than $5,000.
To qualify as a national bank, the bank must be located in at least forty states. Some credit unions may require you to donate $40 or more to a charity or association in order to join if you do not meet other eligibility requirements (e.g. you don’t work in a particular area or have a certain type of job). Read our methodology to learn more about how we select the best rates.
Article Sources Investopedia requires that writers use primary sources in order to support their work. White papers, government data and original reporting are some of the sources. We also use original research from other reputable publications when appropriate. Our website contains more information about the standards that we use to produce accurate, unbiased content. Editorial Policy
J.D. Power. "2025 U.S. Retail Banking Satisfaction Study."
