Edward Jones CD Rates: November 2026

Edward Jones CD rates are not verified yet · the FDIC figures below are national benchmarks, not Edward Jones rates

National CD Rates Today

FDIC national rates and rate caps · October 19, 2026

How Much Does $10,000 Earn in One Year?

Edward Jones CD rates are set by the banks that issue the certificates, not by Edward Jones. The firm is a broker: it sells certificates of deposit from many FDIC-insured banks through its financial advisors. That is why its posted yields can sit well above the national average, and why the terms differ from a CD opened at your own bank: simple interest instead of compound, no automatic renewal, and an early exit only through a secondary-market sale. FDIC national benchmarks are the yardstick for judging whether an advisor’s current offering list is competitive.

What the Benchmark Table Measures

The FDIC publishes three reference figures for each deposit product. Each one answers a different question.

• National rate. This is the average rate insured banks pay on that product, weighted by each bank’s domestic deposits. The largest banks hold the most deposits and often post low rates on standard CDs, so they pull the average down. A brokered CD paying several times the national rate is normal for a deposit sold at wholesale. It does not signal a risky product.
• Treasury yield. This is the yield on U.S. Treasury securities with a similar maturity. It is a useful ceiling check. Banks competing for brokered deposits price against Treasuries, and a 2-year brokered CD that pays far less than a 2-year Treasury is giving up yield you could get from the government directly.
• Rate cap. This is the maximum a bank that is less than well capitalized may pay on deposits under FDIC rules. It is a regulatory limit, not a rate you can expect to find. For CDs, the cap is the higher of two figures: the national rate plus 0.75 percentage points, or 120% of the comparable Treasury yield plus 0.75 points.

Hypothetical example of the cap formula: if the national rate on a 12-month CD were 1.50% and the 1-year Treasury yielded 4.00%, the two options would be 2.25% (1.50 + 0.75) and 5.55% (4.00 × 1.2 + 0.75). The cap would be 5.55%. When Treasury yields are well above bank deposit averages, the Treasury leg sets the cap.

The $10,000 earnings figures use one year of interest at each benchmark, calculated as deposit × APY, to show the gap between the three benchmarks in dollars. They are benchmarks, not Edward Jones quotes.

How Edward Jones CDs Work

Edward Jones buys CD inventory from issuing banks, or arranges the purchase as an agent, and places it in your Edward Jones brokerage account. The main features:

• Minimum purchase: $1,000.
• Terms: start at three months and extend to multi-year maturities. Availability depends on what issuing banks are offering at the time.
• Interest: simple, not compounded. On new-issue CDs, interest accrues on the actual number of days the CD is held.
• Renewal: none. At maturity, principal and final interest are credited to your Edward Jones account.
• Early withdrawal: not permitted. The exceptions are the death of the owner or the owner being adjudicated incompetent.
• Insurance: FDIC coverage through the issuing bank, up to $250,000 per depositor, per bank, per ownership category.

Because each CD comes from a specific bank, two CDs with the same term on the same offering sheet can carry different rates. Comparing Edward Jones CD rates really means comparing individual issues: the issuer, the maturity date, the coupon and how often interest is paid.

How Interest Is Calculated

A bank CD that compounds daily adds each day’s interest to the balance, so the APY ends up higher than the stated rate. Edward Jones CDs don’t compound. Interest is paid out to your account rather than added to the CD’s principal, so the principal stays fixed for the whole term.

The formula for a new-issue CD:

Interest = principal × annual rate × (days held ÷ 365)

Hypothetical example: $10,000 in a CD paying 4.00% for 182 days earns 10,000 × 0.04 × 182 ÷ 365 = $199.45.

On a multi-year CD, the interest payments are not reinvested unless you put them to work yourself. Hypothetical comparison: $10,000 at 4.00% simple for five years earns $2,000. Compounded annually, it would earn about $2,167. If you plan to spend the interest as income, simple interest costs you nothing. If you want growth, decide in advance where the interest payments will go.

Why Edward Jones CD Rates Can Be So High

A brokered CD is a way for a bank to raise deposits in bulk from investors nationwide. Branch customers tend to keep money at their own bank. Brokered deposits go wherever the rate is best, so issuing banks price them competitively, usually in relation to Treasury yields of similar maturity. The national average blends those competitive rates with low posted rates at large banks, which is why the gap between the two can look wide.

What drives Edward Jones CD rates over time:

1. Federal Reserve policy and Treasury yields. When short-term rates rise, new-issue CD rates follow. When rates fall, new issues reprice lower, while CDs you already own keep their coupon.
2. Issuing banks’ funding needs. A bank that needs deposits for a particular maturity may pay up for that term.
3. The shape of the yield curve. Longer CDs do not always pay more. When short Treasury yields exceed long ones, shorter brokered CDs can carry the higher rates.

To judge whether a rate on your offering sheet is competitive, compare it with the Treasury yield for the closest term.

What Edward Jones Charges

Edward Jones CDs are not free to buy, even when no separate line item shows up. How the firm is paid depends on its role:

• Principal transactions. Edward Jones sells you a CD from its own inventory. It earns a selling concession that is already built into the offering price, so the rate you see is net of that compensation.
• Agency transactions. Edward Jones arranges the purchase from another institution or brokerage and charges you a commission.
• Secondary-market CDs. Buying or selling a previously issued CD can carry a commission as high as 2% of the dollar amount.

In every case, your financial advisor receives a share of the compensation. Ask which role applies to a given CD and what the total compensation is before you buy, and check your trade confirmations to see what you paid.

Getting Money Out Before Maturity

You cannot cash out an Edward Jones CD early by paying a penalty, as you would at a bank. The only route is to sell it on the secondary market. A sale is not guaranteed, and the price can be below your original principal.

The price depends mostly on where rates have moved since you bought. Hypothetical example: you hold a $10,000 CD paying 4.00% with two years left. New two-year CDs now pay 5.00%. A buyer will not pay full price for your lower coupon, so your CD sells at a discount large enough to roughly make up the yield difference. That is a loss of something close to 2% of principal, before any sales commission. If rates had fallen instead, your CD could sell at a premium.

The FDIC insures principal and interest against the failure of the bank. It does not protect you against a loss from selling below par. Money you might need before maturity belongs in a shorter term or a liquid account.

What Happens at Maturity

At maturity, the proceeds sit in your Edward Jones account until you or your advisor decide what to do with them. This avoids a bank CD automatically renewing at a low rate, but you need to track maturity dates yourself. A CD ladder, with CDs maturing at intervals, makes the reinvestment decision regular and predictable.

FDIC Insurance on Brokered CDs

Coverage comes from the issuing bank, not from Edward Jones, so the $250,000 limit applies per insured bank. Two consequences follow:

• CDs from different banks bought through one Edward Jones account are each insured separately. This lets a large balance be spread across several issuers.
• An Edward Jones CD from a bank where you already hold deposits counts toward the same limit as those deposits.

Brokerage account protection is separate from FDIC deposit insurance. The coverage that applies to a CD is the bank-level FDIC insurance.

How to Buy Edward Jones CDs

You cannot open an Edward Jones CD online on your own. The process runs through a financial advisor.

1. Find an advisor. Edward Jones offers a short questionnaire that matches you with an advisor, or you can use its office locator or search for an advisor by name.
2. Meet and choose. You go over your goals and the current CD offerings, then complete the account paperwork and provide bank details for funding.
3. Get online access. The advisor opens the account and the CD, and you receive an email with instructions for creating an online login.

Bring a short list of questions to the meeting: the issuing bank, the exact maturity date, how often interest is paid, whether the firm is acting as principal or agent, and the total compensation.

Other Edward Jones Cash and Income Options

For money you may need before a CD would mature, Edward Jones offers an Insured Bank Deposit program, a Flex Funds account and an Income Manager account. Their rates are set separately from CD rates.

For investors who want to lock in a yield, the bond menu includes U.S. Treasuries, agency bonds, municipal bonds and corporate bonds. Treasuries are worth a close look next to CDs. Their interest is exempt from state and local income tax, while CD interest is fully taxable. In a high-tax state, a Treasury with a slightly lower yield can come out ahead after tax.

How Edward Jones Compares With Other Options

Other large brokers sell brokered CDs that work much the same way. Charles Schwab’s minimum is also $1,000. Fidelity’s is $1,000 for a whole CD, with fractional CDs from $100 and terms from 3 to 60 months. The main differences are which issues they carry, how they are compensated, and whether you can buy without an advisor.

Outside brokerages, the main alternatives are:

• Online banks. These often have easier-to-meet minimums, quick online opening, and early withdrawal penalties instead of a forced secondary-market sale. See our high-yield savings account rankings.
• Credit unions. You need to become a member, but these not-for-profit institutions often pay competitive rates on certificates.
• Large bank CDs. These are simpler to manage, and posted rates for standard terms often sit near the national average, as with Chase CD rates.
• Treasury bills and bonds. These carry government backing and can be sold before maturity, also at market prices.

Whatever you choose, compare the CD’s rate with inflation over the same horizon. A fixed rate below inflation still loses purchasing power.