Ally Bank:
  • 1-877-247-2559
  • Open 24/7

If you think our CD rate is set in stone you've been living under a rock.

If you think our CD rate is set in stone you've been living under a rock.

Give yourself a raise.

Great rates and simple online CD management. It's a match made in heaven.

We reward you when you renew.

We’re currently giving a 0.05% Loyalty Reward when you renew your CD to any CD with us. Check back 30 days before your CD matures to see what the reward is at that time. 

If our rate goes up, you can raise yours.

Start with a great rate, plus have the opportunity to raise it once for the 2-Year term or twice for the 4-Year term, if our rate on your term and balance tier goes up. Interest is compounded daily.

Manage your CD online.

We make it easy to manage your CD online. When it’s time to renew, don’t do a thing and we’ll renew it automatically.

Features offered with every Ally bank CD.

Digital banking tools.

It’s easy to bank anytime, anywhere with the Ally Mobile app.

Your money, FDIC-insured.

Deposits are insured by the FDIC up to the maximum allowed by law.

Learn more

No monthly maintenance fees.

Don’t expect any sneaky monthly maintenance fees with us.

Open in the name of a trust. 

Offer flexibility and security for the ones you care about most. 

Learn more

Up your saving strategy with a CD ladder

See how combining short-term and long-term CDs can help you maximize your earning potential and save smarter. 

Up your saving strategy with a CD ladder

See how combining short-term and long-term CDs can help you maximize your earning potential and save smarter. 

Get more for your money.

Compare the cost of banking somewhere else.

What you should know.

Our Annual Percentage Yields (APYs) are accurate as of XX/XX/XXXX. The APYs for other banks are provided by mybanktracker.com and are accurate as of XX/XX/XXXX. The APYs in this table are for the state of California.

No hidden fees, no surprises.

You shouldn’t be nickel and dimed for using your own money.

We don’t charge any maintenance fees for your Ally Bank CD.

When your CD matures, you can withdraw your money at no charge during a 10-day grace period. 

Get to know every aspect of this account before you sign up.

Check out our Straight Talk Product Guide (PDF).

Early withdrawals

Withdrawals before the maturity date are subject to penalties. Partial withdrawals aren’t allowed. Are there exceptions?

Early withdrawal penalties will depend on your CD term.

  • 2-year term

    60 days of interest


  • 4-year term

    120 days of interest

Bank better, starting now.

It only takes a few minutes to open an account.

1. Tell us about yourself.

We'll need some personal details like your address, contact information and social security number.

2. Fund your account.

There’s no minimum amount to open an account, but the faster you fund, the sooner you’ll earn interest.

3. Enjoy our award-winning experience.

Get online access right away and explore everything we offer as well as other ways we can help you reach your goals.

Build a better financial future.

Whether you’re just starting out or nearing retirement, we’ve got resources and tools to help you at any life stage.

The reviews are in.

People like it here. We think you will, too.

Average Rating

FAQs

We have answers.

You don’t have to do anything to get the loyalty reward.

It's automatically added when your CD, including IRA CDs, renew. Want to change terms? No problem. Your loyalty reward will be added to any term you choose for your CD, including IRA CD, at renewal. Check back 30 days before your CD matures to see what the reward is at that time.

To change terms or add funds online: Log in, choose Manage CDs. From there, you can make changes or add funds to your balance.

To change terms or add funds from the Ally Mobile App: Log in, choose  after the Current Balance, select Manage CDs and then choose Make Changes.

Still have questions? Visit our Help Center.

Which username did you forget?

Forgot your bank or invest username?

Call us 24/7 for help.

Bank 1-877-247-2559

Invest 1-855-880-2559