Barclays Online CD Review

Barclays CD rates today

Term	APY
6 months	4.00%
9 months	4.00%
12 months	4.50%
18 months	4.50%
24 months	4.75%
36 months	4.50%
48 months	4.50%
60 months	4.75%

Rates valid as of October 7, 2026, from Barclays’ Online CD page, checked Oct 28, 2026. Interest compounds daily and is credited monthly.

CD rates change often for new deposits. Once you open a CD, your rate is fixed for the term.

Our verdict

Barclays Online CDs combine strong rates on almost every term with no minimum deposit and relatively light penalties. That mix puts it at the top of our CD ranking.

The 24 and 60 month CDs at 4.75% are the standouts. Short terms of 6 and 9 months pay noticeably less, and the savings app has weaker ratings than most banks we track.

Which Barclays CD term is best?

• 1 year: 4.50% with no minimum, one of the strongest 12 month rates we track.
• 2 years: 4.75%, the best mix of rate and flexibility, since the penalty is still only 90 days of interest.
• 5 years: also 4.75%, but the penalty rises to 180 days of interest, so only lock in if you will not need the money.
• Under a year: 4.00% on 6 and 9 months. A 12 month CD pays more if you can wait a bit longer.

On a $10,000 deposit, the 12 month CD earns about $450 in a year.

For context, the best 12 month rate across the CDs we track is 4.65% APY at CFG Bank CDs, and the best rate on any term is 5.00% at Sallie Mae Bank CDs. See every CD side by side on our best CD rates page.

How Barclays CD rates compare, term by term

At our checks between Oct 19 and Oct 22, 2026, Barclays was within 0.05 points of the best no minimum rate on 2 and 5 years (4.75% versus E*TRADE’s 4.80%), and it had the best 4 year rate we track with no minimum deposit. On short terms it trails: 4.00% on 6 and 9 months is 0.20 to 0.40 points behind.

Term	Barclays	Best rate we track	Best with no minimum
6 months	4.00%	Happen Bank 4.40% ($500)	E*TRADE 4.20%
9 months	4.00%	E*TRADE and Bread Savings 4.40%	E*TRADE 4.40%
12 months	4.50%	Popular Direct 4.60% ($10,000)	E*TRADE 4.55%
18 months	4.50%	Bread Savings 4.85% ($1,500)	E*TRADE 4.55%
24 months	4.75%	E*TRADE 4.80%	E*TRADE 4.80%
36 months	4.50%	Popular Direct 4.85% ($10,000)	E*TRADE 4.80%
48 months	4.50%	Popular Direct 4.95% ($10,000)	Barclays 4.50%
60 months	4.75%	Sallie Mae 5.00% ($2,500) and Popular Direct 5.00% ($10,000)	E*TRADE 4.80%

Each rate checked at the bank’s own website between Oct 19 and Oct 23, 2026. Barclays rates valid as of Oct 7, 2026. Popular Direct needs $10,000 per CD, Bread Savings $1,500 and Happen Bank $500.

Where Barclays stands out is the penalty: 90 days of interest on terms of 24 months or less and 180 days on longer terms. Popular Direct, which pays more on 3 to 5 years, charges 365 to 730 days. If there is any chance you will need the money early, that difference can outweigh a few tenths of a point. Compare more on our best CD rates page and in CDs with no minimum deposit.

Penalties and maturity

Early withdrawal costs 90 days of simple interest on terms of 24 months or less and 180 days on longer terms. There is no minimum to open, but you must fund the CD within 14 days. You get a 14 day grace period at maturity.

Is it safe?

Barclays Bank Delaware (Wilmington, Delaware) is FDIC insured under certificate 57203, which we confirmed in the FDIC BankFind database. Deposits are covered up to $250,000 per depositor, per ownership category.

Compare CD rates by term: 6 month · 9 month · 1 year · 18 month · 2 year · 3 year · 4 year · 5 year

How we rated it

It earns top marks for its rates, no minimum and lighter penalties, and loses points on its app ratings. It scores 4.7 out of 5 on our scorecard for this category. See how we score on the comparison page and our methodology.