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These 14 Banks Are the 2025 Customer Favorites. But How Good Are Their Savings and CD Rates?

These 14 Banks Are the 2025 Customer Favorites. But How Good Are Their Savings and CD Rates?

Trader From HellEducation2 days ago6 Views

Key Takeaways

J.D. Power’s latest banking survey crowns a customer favorite in each of 15 U.S. regions, and 14 banks take home the honors this year.
But the seven dimensions addressed by the survey only minimally touch on rates, instead prioritizing factors such as trust and people.
We dig in to see how well—or not—these various bank darlings pay on savings accounts and CD deposits.
You can usually earn much better returns by shopping our rankings of the best high-yield savings accounts and best CD rates, most of which are offered by smaller banks and credit unions.

The full article continues below these offers from our partners.

The 2025 Winners for Bank Customer Satisfaction

J.D. Power released its annual U.S. Retail Banking Satisfaction Survey this week, and 14 banks took the crown across 15 U.S. regions. The banks were scored across these seven dimensions, in order of importance: trust, people, account offerings, allowing customers to bank how and when they want, saving time and money, digital channels, and resolving problems or complaints.

BancFirst: Lower Midwest Region
Bangor Savings Bank: New England Region
Banner Bank: Northwest Region
Capital One: Mid-Atlantic and South Central Regions
Centier Bank: North Central Region
Chase: California and Pennsylvania regions
Fifth Third Bank: Florida Region (tie)
FirstBank: Southwest Region
Front: Texas Region
Gate City Bank: Upper Midwest Region
Liberty Bank: New York Tri-State Region
TD Bank: Florida Region (tie)
United Community Bank: Southeast Region
Wintrust Community Bank: Illinois Region

Being a customer favorite, however, doesn’t necessarily mean a bank is paying high deposit rates. Right now, the best-paying CDs in the country are offering 4.32% to 5.00% APY. And you can earn up to 4.60% with the top high-yield savings accounts.

To find out how these customer favorites compare, we looked up the rate sheets for each of them. Their rates for savings accounts and three common CD terms are laid out in the table below, along with the top nationwide rate 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 0.25%	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 offered
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 offered
Wintrust Community Banks	3.00%	4.20%^_(7m)	3.75% ^_(11m)	3.00% ^_(33m)
TD Bank	0.02%	2.75%	3.51%	2.75%

For savings accounts, a minimum balance of $5,000 was assumed. For CDs, we assumed a deposit of at least $10,000.

Looking Beyond Familiar Names Can Lead You to Higher Returns

For anyone who wants to lock in the highest rate possible, better offers continue to be available at lesser-known banks and credit unions. 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. Coverage is not based on bank or credit union size.

Fortunately, we make it easy to shop the latest rates from federally insured banks and credit unions. Every business day, we check rates at about 200 nationwide institutions and publish our rankings of the best high-yield savings accounts and the best CD rates. You can also find term-specific CD rankings at the links below.

Daily Rankings of the Best CDs and Savings Accounts

We update these rankings every business day to give you the best deposit rates available:

Important

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 much different than the national average, which includes all banks offering a CD with that term, including many large banks that pay a pittance in interest. Thus, the national averages are always quite low, while the top rates you can unearth by shopping around are often 5, 10, or even 15 times higher.

How We Find the Best Savings and CD Rates

Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs and savings accounts to customers nationwide and determines daily rankings of the top-paying accounts. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the account’s minimum initial deposit must not exceed $25,000. It also cannot specify a maximum deposit amount that’s below $5,000.

Banks must be available in at least 40 states to qualify as nationally available. And while some credit unions require you to donate to a specific charity or association to become a member if you don’t meet other eligibility criteria (e.g., you don’t live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, read our full methodology.

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