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Earn with Brilliant

Up to 4.40% APY*
on Brilliant CDs

Three great terms to choose from with 4.40% APY* on 3 months and 9 months, and 4.35% APY* on 15 months, our certificates of deposit shine Brilliant.

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Guara
growth for your money

Predictable
Growth and
Competitive Rates

A CD from Brilliant Bank offers predictable growth for your money, whatever your financial needs. Online-only banking gives you APYs that grow your money faster compared to traditional accounts. And our powerful mobile app lets you check your progress no matter where you go.

3-Month CD Features

9-month CD features

15-Month CD Features

FAQ

CD Frequently Asked Questions

  • What is a CD?

    A certificate of deposit—commonly called a CD—is a type of deposit account. CDs are a type of savings account with fixed interest rates that are usually higher than traditional savings accounts. CDs are time deposits, which means they have a maturity date, or specific withdrawal date.

  • What's the difference between a CD and a high yield savings account?

    When you place your money into a CD, you are agreeing to keep it deposited for a fixed term. High Yield Savings accounts may be withdrawn at any time, although you may be limited to the number of transactions you can perform per month. Taking money out of the CD before its maturation date may incur fees from the bank.

  • Why should I choose a CD?

    If you know you will not need your money until your CD's maturity date, depositing it into a CD will increase the amount of interest you earn. Most CDs have a fixed rate, so the amount of money you will earn is predictable. CDs are also typically FDIC insured, which means they are often a low-risk investment.

  • What does FDIC Insured mean?

    The Federal Deposit Insurance Corporation (FDIC) insures deposits for banks and other financial institutions. Many types of bank accounts are FDIC insured up to $250,000. This protects your money in the event that a bank fails or closes, but only to that maximum amount. Most deposit accounts, such as savings and checking accounts, are FDIC insured. Many investment accounts are not.

    Learn more about the FDIC
  • Will I be penalized for early withdrawal for my CD?

    Early withdrawal penalties may apply.

  • What is APY?

    APY stands for annual percentage yield, which is the amount of money a bank account earns in one year, including compound interest. The higher your savings account's APY, the more you earn.

  • Can I transfer money from a CD into a different checking or savings account?

    Once your CD has matured and the term of deposit has ended, you may transfer funds from the CD into a checking or savings account of your choice. You may also choose to put that money into a new CD.

  • How do I open an account?

    To get started with CDs and other Brilliant Bank products, contact Brilliant Bank today.

Rates and Annual Percentage Yields (APY) are effective as of 4/23/25 and subject to change without notice. No brokered or institutional deposits. Rates and Annual Percentage Yields displayed are unavailable in Kansas, Missouri, Oklahoma and Arkansas.

* Brilliant Bank’s CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Minimum balance required to obtain the annual percentage yield is $1,000. Fees may reduce earnings. Early withdrawal penalties may apply.